Active noise-cancelling with quick attention mode. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. If you have any Buy Now, Pay Later plans that start and end before the rate change, the Deferred Interest will be charged at your current interest rate. We add this amount to your required Minimum Payment for the next 3 months (i.e. 10 Rewards = 10 Argos eGift Card + 5% Rewards. Youll see an image in the top corner telling you where to use your card. We want to help you, so please contact us on 0345 601 0798 if you want to talk about Persistent Debt. Your credit limit and remaining balance can be found on your statement, on the App or by logging into this website. When you buy your product you'll be able to spread the cost for up to 12 months without being charged interest. APPLY IN-STORE You can apply for an Argos Card in any store. We use Secure Sockets Layer (SSL) protocol for managing your encrypted session and 128 bit encryption, which is why the latest versions of web browsers are needed to register for and use this service. You can't make payments to plans that haven't appeared on your statement yet - if you try to do that our system will automatically allocate your payment to the plan or plans which are likely to incur the most interest that month. Can I use my Argos card at Sainsburys petrol station? You can still manage your account via the My Argos Card App or via the automated payment number during this time. How will increasing the interest rate impact the way my account works? Where can I spend Love2shop Gift Cards? If you can't find the answer to a question you have here online and feel like you need to speak to someone then please call 03456 400 700. Just reserve your order online. Instructions on how to spend your One4all Gift Card online. complaint.info@financial-ombudsman.org.uk. Looking to incentivise, motivate or reward your staff, clients or customers? We'll try to provide you with help that's clear, practical and easy to understand. Thats why we urge anyone who receives one to double-check the expiry date shown on them. You can use your Argos Card in any Argos store, online at argos.co.uk, over the phone and on the Argos app. Shop at Argos with flexible payment plans that give you longer to pay. Find out more about Persistent Debt here. 5. Currently, you can use either of these cards online or in-store. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. If you want to check your statement urgently, you can do it on myargoscard.co.uk where we have your current and most recent statements. Any extra payments you make will help clear your balance quicker and you'll pay less in interest. Over 50 views in 24 hours. In-store Lloyds Pharmacies. Digital Gift Card We call this Deferred Interest and this will also be added to your Normal Credit with the remaining Plan balance (see 'How Deferred Interest is included as part of your Minimum Payment?'). Please try to pay again using a different card if you have one. Currys Business are pleased to offer windows 10 & 11 business laptop deals on a wide range of manufacturers such as HP, Lenovo, Dell, Acer, Toshiba and many more How will I know when my Argos Card account is not in Persistent Debt? All Currys gift cards can be redeemed in store or online. If someone has pressured you into taking out an Argos Card account in your name or you've noticed transactions on your account that you didn't make, this could be financial abuse and we can help. Does the Card cost anything? We call this the "Deferred Interest Portion". If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment. If you haven't registered you will need to do that first, and you can do that HERE, If you've forgotten your Login ID, go HERE. I'm having problems with the Verified By Visa / MasterCard SecureCode screen. You can submit a request for a Minimum Payment Direct Debit on myargoscard.co.uk. . What does this mean? The first 6 digits of your gift card number will be pre populated. Input a code at the checkout for employees. We simply need to warn you that if you continue to pay the minimum, you'd owe the debt over a longer period and be charged more interest during that time. The coronavirus pandemic is affecting every aspect of our lives and each day brings with it changes to the way we work, socialise and shop. Copyright 2023 by nikkicarsonrealestate.com. You can find some information about how long it will take you to repay your balance, how much interest you might pay and how much you could save by paying more than the minimum each month by visiting cardcosts.org.uk. Can I repay more than my Direct Debit each month? A credit search will be performed when you submit an application for an Argos Classic Credit Card which will leave a hard footprint on your credit report. We have standard 3-6 month credit plans, plus up to 12 months to pay on selected products. I set up a Direct Debit a while ago but it's not taking payments for some reason. What should I do? The amount of interest on an Argos Card balance is calculated monthly. Money Worries If you're worried about keeping up repayments to your Argos Card, or have an unexpected strain on your finances, give us a call. You just need to make sure the card number starts with 10000 and youve got a 4-digit security PIN. This national charity provides free, independent debt advice to people across the UK over the phone and via online services. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. Can't you just increase my minimum payment? How can I get help with paying my Normal Credit balance? Discounts range between 4% and 8% depending on the time of the year. Can I turn off my paper statements and letters? For any other changes (name, amount, date) you'll need to call us. This will earn you some bonus points. Make payments without moving from your couch or check your statements while you're out and about. Spend Online. Stopped using card ages ago and guess what you can't even access the app when you have a new phone. Head to Your Account, click on the GIFT CARDS link. Can I use my Argos Card to buy cigarettes in Sainsburys? How can I get help with paying my Normal Credit balance? These services are offered by Visa and MasterCard, in association with the bank that has issued your credit / debit card. Although card holders can gain discounts on selected products by requesting a vault code, you can also earn a . Yes, you can use an Argos gift card in Homebase. Your discount is applied automatically when you have your chosen amount on the card. We've detailed some of them here, and you can talk to them about your financial concerns in complete confidence we'd encourage you to take advantage of the free help available. If you're shopping online, you'll be asked to enter your gift card number at the checkout. For shopping at Argos, it's best to link your Nectar card to your Argos account, and this task can be quickly and easily completed online. How do I set up a Direct Debit? This website uses cookies to improve your experience while you navigate through the website. Latest phones. If you're on a mobile device, make sure your signal is ok and that you have the data available to download a PDF (they're about 400KB each). When will my latest statement appear online? If your account has had a zero balance for a while we don't send you statements anymore. Just reserve your order online. This would mean you will pay no interest at all. Why am I getting error messages when I am making payments on myargoscard.co.uk? Details. How do I set up a Direct Debit? Use your own name for the 'Name on Card' section. The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. How do you tell your boyfriend how much you love him over text? How much this discount will give you varies, but is usually anything between 3% and 7%. 9 Can You Use Your Argos card at Homebase? Money Dashboard Review The Best Budget Monitor? No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. Mobile Safari 5 or Opera 20, then you might find you have problems using this site. APRRepresentative 29.9% APR variable for all Normal Credit. Currys and PC World. If you requested your Direct Debit recently then it's possible that it hadn't been set up in time. Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. Give us a call on 0345 640 0700 to discuss this in confidence. Can I transfer my Argos Card balance to my Barclaycard? You can use any type of Argos Gift Card online, as well as in-store. Why can't I change my credit limit? the answer is yes as Argos and homebase are from the same companies Can you use a debit card to apply for argos credit? In addition, the Normal Credit Interest Rate will apply to the whole Normal Credit balance each month, until the balance is cleared, we refer to this as interest on interest. How do I close my account? 7 Whats the best way to pay for Argos online? No, never. Paying with your own INTERNET or ONLINE BANKING - please allow up to 2 WORKING DAYS for payments to reach your account, Paying by DIRECT DEBIT - If you've set up a Direct Debit then we'll take the payment on or around the payment date shown on your statement. If you dont pay in full, youll be charged interest on any balance remaining at the end of the plan. For example, let's say you have a Normal Credit balance of 500 on your Argos Card with an interest rate of 34.9% APR and you don't make any other purchases. OFF. Instead, if you have a Nectar card, visit their site and click on the link to Currys or Argos. Use your own name and address for Billing . If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? At the moment you can use your Love2shop Flexecash online and in store, however the Love2shop paper vouchers can only be used in store. What happens next once I've confirmed my choice? National Debtline also helps people to budget and look for ways to increase their income. Your card will be sent to you and youre ready to shop. With the Argos Card, no interest will be charged if you pay in full within your credit plan period and keep your account up-to-date. This is so that we can help you to start repaying your balance more quickly and pay less interest. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. Spread the cost on your Argos shopping with an Argos Card. Just remember to bring ID and a household bill or bank statement to prove your address. These cookies will be stored in your browser only with your consent. FONT-SIZE: x-small; VERTICAL-ALIGN: middle; TEXT-ALIGN: left Date of experience: 12 September 2022. If you're unsure whether or not the Direct Debit is set up, give us a call. Can I keep using my Argos Card? If someone misses several minimum payments in a row then they're in breach of their credit agreement, and we have to end all of the plans and ask for repayment on everything, so all of the plans are added to Normal Credit. As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. Or visit the Blue Light Card website to order your gift cards. Can I reset my security details if my email address is incorrect? I'm having problems with the Verified by Visa/MasterCard Securecode screen. If you only make the minimum payment each month, just before your payment date it'll take you 14 years and 8 months to pay off your balance. The Blue Light Card is the discount service for the emergency services, NHS, social care sector and armed forces. Can you get free delivery at Argos? Should I start investing? Unfortunately, no, Currys does not currently offer specific NHS discounts. You will need a valid email on your account, though. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Is a 357 Magnum a good self defense weapon? Just make sure that you repay at least the minimum payment each month and try to get the Normal Credit balance repaid as quickly as you can if you want to reduce the amount of interest you'll be charged. Once youve selected the Currys option, at the bottom page will be a button for you to select. It's aimed at protecting your details when shopping online by ensuring your card is not being used by someone else. You can use your Argos Classic Credit Card at all Argos outlets; online and in-store. HelloFresh: 65% off the first box and 30% off for 2 months. The card can only be used in Argos stores to purchase goods of whatever value. Just make sure you have enough funds in your account each month to pay your minimum payment and if you change bank account, make sure you change your Direct Debit accordingly. At Carphone Warehouse we have all the latest mobile phones for sale from the big phone brands, including Apple, Samsung, and Google. If you want to make a payment to a specific Buy Now, Pay Later plan then you'll need to use myargoscard.co.uk or the My Argos Card App. There are also a few places within Sainsbury's where you can't use your Argos Card to buy anything: Sainsbury's in-store Travel Bureaux. It's important because if you don't, it'll take you longer to repay the debt and you'll be charged more interest during that period. Remember, if you don't want your rate to change you can get in touch with us to close your account on your existing rate, but you won't be able to spend on your Argos Card again. HAIER American-Style Fridge Freezer With Water & Ice Dispenser [HSR5918DIMP] - 969.05 + Claim 200 M&S eGift Card @ Currys 969.05 1,249 22% off Currys Deals Why is that? Choose a value up to 500. Just a couple of notes if you're thinking about changing your Direct Debit details: What day is my Direct Debit taken? Theres no limit when using Gift Cards in-store. "I would like my payment automatically allocated" - choose how much you want to pay in total and we will allocate that total against the plan or plans that are due to incur the most interest. Although there's no charge for having an Argos Card account we may charge: The above charges are referred to in your Argos Card Terms & Conditions as 'Default Charges'. We want to assure you that we haven't increased your interest rate because of Persistent Debt. You may be able make a balance transfer from an Argos card to a new UK credit card. We need to tell you something important about your account so we've sent a paper statement in addition to your paperless copy to make sure you get it and to remind you to read it. Its easy to apply for an Argos Card. 7 How much interest do you pay on an Argos Card? Its one of the best discount schemes out there, with so many retailers taking part. We will keep you up to date throughout while we are investigating your complaint, until we provide you with a formal response either via e-mail or letter. Home Retail Group. How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? Make sure you're entering your most up-to-date Argos Card - if you have received a new Argos Card recently, you'll need to enter the details for that Card. Details. That shouldn't be a problem - you should give us a call, though, and we can run you through the options. From a digital eGift Card sent to their inbox, an instant Print-at-Home Voucher for a greetings card, or a beautiful Gift Card for their purse or wallet, you can choose the life:style that suits their . Battery life: up to 35 hours. A Blue Light Card unlocks exclusive discounts for the NHS, emergency services, social care sector, and armed forces, as well as other workers. Why is that? In addition, you can also benefit from a 25 percent discount in store at Habitat, and you can nominate a second card user, as long as you live at the . How do I update my account? . dedicated help page for more information. I've received a letter from you that says my account could be suspended. Please also bear in mind that if your account remains in Persistent Debt, we may need to take other actions, such as suspending on your account from further spending, to help protect you from getting into further debt. But for now, its still the good-old-fashioned Swipe & Sign method with one of our friendly Argos or Sainsburys colleagues to verify your signature. I've sent a text to opt out of the interest rate increase, but I haven't had a response. If you have a Buy Now Pay Later plan due to expire next month then we'll also include how much deferred interest might be incurred on it if you don't pay off any more of your balance. It could be something to decorate your home, or pre-ordering the latest Playstation. What happens if I go over my credit limit? The Financial Conduct Authority have rules which mean that we need to help you to take action to move your account out of Persistent Debt. How do I make a payment? Will I need my login details to make purchases or manage my account over the phone? Please take a look at our dedicated help page for more information. The cookie is used to store the user consent for the cookies in the category "Analytics". How you pay is entirely up to you and all of the ways to pay are listed on the back of your statement, which include: If we sent you a letter asking you to choose an option and you chose to make increased monthly payments, remember to make sure that you're paying your increased monthly payment amount. Through Quidco, some Argos purchases can also generate great cashback, so you can save as you shop with ease. To purchase, search for Currys in the top right corner of their site (a magnifying glass with a pink background). If you don't respond to this communication, your account will be suspended and you won't be able to keep using your Argos Card. I've forgotten my details. your email address). 1.7K Posts. We'll make an instant decision, and if your request is accepted then your new limit will be available immediately (even if it doesn't show on myargoscard.co.uk straight away). 1 Can I use my Argos credit card anywhere? In payment options at the checkout, select 'Visa' or 'Visa Debit . Call their free debt advice helpline or visit. Where can I use my Argos Card? can i use my argos card in currys. As of November 2020 Argos is one of the UK's largest general merchandise retailers, operating both in stores and online.. Catalogue stores. Keeping this in view, can I use my Argos card to withdraw cash? What do I do if I'm struggling to pay my bills? Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. Find the product you want to buy in the search bar on the Argos website and 'Add to Trolley'. The amount you owe and the payment due date are shown in your statement each month as well as on your account summary on myargoscard.co.uk and in the My Argos Card App. The Argos Card allows you to buy now, pay later and it's easy to manage your account with the Argos Card App. You will be charged interest on this amount which will be backdated to the date of purchase. Valid until tomorrow. When you shop in a listed retailer, youll automatically earn cashback. Currys. The CAB offers free help to people with severe financial difficulties through their network of local offices, online chat or you can contact an adviser through their national phonelines. You can pay for your order in full with Gift Cards or gift vouchers. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. If you've forgotten your login details and you enter any account verification details incorrectly when we ask for them, your account will be locked for 4 hours. 2) Want to buy and pay later? Do you have to do a credit search for Argos classic? If you repay your Buy Now, Pay Later plan balance in full before the end date, you won't be charged any interest. When entering your card details at the Checkout, youll be given an option to pay by credit card please select this option. We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? We'll write to you at the end of that period with details of any further action you may need to take. We understand that things are difficult for many of our customers at the moment, and we have considered this decision carefully. As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? The amount you need to pay depends on your current situation and how long you have been in Persistent Debt and how much you can afford to pay each month. 65% off your first box, and 30% off for 2 months! With the Argos Card, only normal credit is available in Sainsbury's. However, you can't use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app. Your statement will appear online on the same day each month - e.g. This cookie is set by GDPR Cookie Consent plugin. Paying by CHEQUE in the post Please allow a minimum of 5 working days for your bank to process your payment and for it to reach your account. Your Memorable Word is essentially your password - something only you'll know. This cookie is set by GDPR Cookie Consent plugin. Colour: Pine Grey. Use the last 18 digits of your Argos Card number (the long number across your Card) as your reference - i.e. ~ Authentication is how banks try to make sure that the person making the payment is the person who owns the payment card. leave out the first number, which is 6. Can I use my Argos classic credit card anywhere? I made a payment to a plan but the payment has gone towards a different plan. Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? Will I need my login details to make purchases or manage my account over the phone? You will then need to checkout and pay for your discount card. Call us on 03456 400 700 to discuss the options available to you. First, you need to create your account. The Annual Percentage Rate (APR) is the total cost of having an Argos Card, expressed as an annual percentage of the total amount of credit. If you have a voucher or gift card you're unable to use or a firm is offering credit instead of cash for a cancelled or postponed good or service, here are your consumer rights. What do I do? Well the only retailers in my immediate vicinity are Argos, PC World/Currys and Brighthouse that i can think of. Just log in and press Direct Debit in the left-hand navigation, then press Cancel Direct Debit. Can I use my Argos Card to buy cigarettes in Sainsburys? The wide range of household and electrical products makes Currys PC World the number one shop for all your domestic appliance and electrical . The Argos discount works in a very similar fashion to the above. Will my Argos Card application involve a credit search? 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