} On the homepage you'll need to enter your Login ID and your Surname, press Next and then enter your Memorable Word and a five-digit Security Number. Yes, you can use an Argos gift card in Homebase. How will I know if my Argos Card account is in Persistent Debt? Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. To maintain a quality of service, calls may be monitored or recorded. To find out why your card was refused in the first place, just contact your bank. What do I do? Increasing your monthly payment means that you'll be paying less in interest, fees and charges, and you'll be repaying your balance faster. Use the [back to top] links to get back to the full list of questions if you need to. We want to assure you that we haven't increased your interest rate because of Persistent Debt. Call us on 03456 400 703 to see how we can help. Where (i) to (v) are at the same rate of interest, balances will be paid off in the following order: (i) Interest; and then (ii) Charges and/or fees; and then (iii) Outstanding balance of Normal Credit including any missed scheduled Fixed Payment Plan(s) and Interest Free Plan(s) monthly scheduled instalments; and then (iv) Any outstanding balances on the other Payment Plans in the order of Buy Now Pay Later Plan(s), Fixed Payment Plan(s) and any Interest Free Plan(s); and then (v) Any other amounts that have been added to your account since the previous statement date. Currys . The cost of living crisis is affecting all of us and making it harder to balance our household budgets. This is so that we can help you to start repaying your balance more quickly and pay less interest. If you've forgotten all of your login details, give us a call and we'll help OR download the My Argos Card App and manage your account on your phone or tablet. Can you use your argos card in homebase? 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's Normal Credit? Are you a Blue Light Card holder? You will be charged interest on this amount which will be backdated to the date of purchase. And, you can even use your Argos Card to buy your daily groceries and fuel. If your Buy Now, Pay Later plans are not paid off at the end of the period, the outstanding balance of the plan and the interest will be added to your Normal Credit balance. Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? If you're on a PC or Mac you need a PDF reader to open statements (Adobe Reader is the most popular software for opening PDFs but there are others available). Why am I being told that my details can't be found when I'm trying to register? Latest phones. You can change your phone number and email address in the App, and you can change your address, phone number and email address on myargoscard.co.uk. When buying something online from Argos it will ask for the discount. What happens next once I've confirmed my choice? Any remaining balance will be moved onto a Normal Credit plan and you will then be asked to pay at least the minimum monthly payment until your balance is paid off. 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. You dont get one until youve been with the company 6 months then they dont give you a discount card. 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. Instead you get up to 56 days to pay for every shop under 50 at Argos. DIY retailer Homebase has announced plans to close 42 stores, putting about 1,500 jobs at risk. Happy shopping! If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. . And now for your next steps. Argos is all about making life that little bit easier, giving you unbeatable choice, value and delivery options to suit you, like same-day Fast Track Delivery on a wide range of items and free in-store Fast Track Collection services. We're suggesting you pay at least double your minimum payment each month but if you can't afford that, you should pay you minimum payment and as much more as you can each month. Argos regularly does an offer where you can get a free 5 voucher when you spend 50, or a 10 voucher when you spend 100, to use on your next Argos visit. Using our digital swap shop, the value of a Love2shop Gift Card can be exchanged for e-gift cards. I'm in arrears or have a repayment arrangement, do I need to pay more? Theres no limit when using Gift Cards in-store. If you think this is happening to you or someone you care about, here's how to get help. Youll see an image in the top corner telling you where to use your card. Your Security Number is a bit like a passcode - but unlike the passcode you might use for an App or your phone, this one is five digits long (and it's not the same as your My Argos Card App passcode. Currys - you cannot use your gift card to purchase airtime, or certain mobile phones and accessories. Ernest Jones - cannot be used for the purchase of Breitling, Omega, Tag Heuer, Longines, Cartier, Tudor, Zenith, Bremont and Jaeger LeCoultre watches. You can pay for your order in full with Gift Cards or gift vouchers. When entering your card details at the Checkout, youll be given an option to pay by credit card please select this option. Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. - View your statements and cut down on paper. What do I need to set up a Direct Debit? What happens next once I've confirmed my choice? If you wish to make any additional specific payments you can ask us to direct these in a specific way to meet your needs. Why is that? Spread the cost on your Argos shopping with an Argos Card. Excerpts and links may be used, provided that full and clear credit is given to Household Money Saving with appropriate and specific direction to the original content. The Argos Card lets you shop at Argos and Habitat, with flexible payment plans that give you longer to pay. How Deferred Interest is included as part of your Minimum Payment? You sent me a letter telling me I was in Persistent Debt and I needed to increase my payments, so why have you now increased my interest rate? Details. Discounts range between 4% and 8% depending on the time of the year. Can I make a payment using my own online banking? 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. Purchase a gift card in store, where any value up to 1,000 can be loaded onto a Gift Card. 5. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. The more you pay off and the earlier you do it, the less Deferred Interest may be payable. If youre new to the card, you can take a look at my other post looking at the major Blue Light Card discounts, including details about their services day and how to get free entry into music events. When you make a payment that's not to a specific plan we will apply the payment as per the terms of your agreement with us (which is as follows): If you do not pay off the full outstanding balance on your account in a month, any payments made by you will be applied to your account (including any overdue Payment Plan balances) by firstly clearing the: (a) Monthly scheduled instalment due under any Fixed Payment Plan; and then (b) Monthly scheduled instalment due under any Interest Free Plan; and then (c) full amount of any Buy Now Pay Later Plan due to expire before the end of your next statement period. It can take up to a month to close your account and it might take up to another month for your credit file to update. How might the proposed Royal Mail strike affect my Argos Card? can i use my argos card in currys can i use my argos card in currys. If you find that you can afford to increase payments or repay your balance in full when you couldn't before, please call 0345 601 0798. Choose a value up to 500. When you reach the checkout, breeze through by picking the PayPal option. Argos . Active noise-cancelling with quick attention mode. How can I get help with paying my Normal Credit balance? Whats the best way to pay for Argos online? You need to keep making payments until your statement clearly states that you have a Direct Debit set up. You will then be asked to pay a monthly minimum payment and you will be charged interest every month. The amount of interest on an Argos Card balance is calculated monthly. How much this discount will give you varies, but is usually anything between 3% and 7%. This cookie is set by GDPR Cookie Consent plugin. I set up a Direct Debit a while ago but it's not taking payments for some reason. Free Argos vouchers. How do I see my statements? The Argos discount works in a very similar fashion to the above. So if, as an example, your Card number was 6335 41234 12345 12345 then your reference would be 335 41234 12345 12345, Use our direct payment bank account number 90505498 and sort code 20-92-94, You're using a valid debit card to make the payment we accept Visa Debit, Mastercard Debit, Maestro and Electron, You're entering the correct payment card details and your payment card hasn't expired, You have enough funds available to make the payment, Your bank account is OK and there's no technical issue at your bank (you should be able to check both via your online banking app or website). Can I pay off my Argos Card balance faster? Then take a look at how to claim your discount at Currys and Argos its not as simple as just showing your card. The Argos Card allows you to buy now, pay later and it's easy to manage your account with the Argos Card App. First, you need to create your account. We want to help. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the. How do I get past it? }. Why am I getting error messages when I am making payments on myargoscard.co.uk? And remember to save them up and use them in the Sainsburys Big Swap event, which will give you up to twice their value. Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? Its like saying JD Williams and Very have given me a credit card because they have given me credit. We will communicate to you to let you know when you may be able to contact the Financial Ombudsman Service (FOS) to review your complaint. Can I reset my security details if my email address is incorrect? 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. 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. When you get in touch with us, we will make a note of which option you've chosen and monitor your account to make sure that you're paying what you need to. How will increasing the interest rate impact the way my account works? Still stuck? To claim your discount at Currys, you must purchase a gift card. Whilst these options could affect your credit file, it's worth considering them carefully if you need additional help with making repayments. FONT-SIZE: x-small; VERTICAL-ALIGN: middle; TEXT-ALIGN: left Where can I use my Argos Card? Its a simple way to pay for your online Argos shopping. However, you may visit "Cookie Settings" to provide a controlled consent. If you repay your Buy Now, Pay Later plan balance in full before the end date, you won't be charged any interest. If you already have Adobe Reader or equivalent, make sure your PDF software is up-to-date. Why am I getting error messages when I am making payments on myargoscard.co.uk? If you're shopping online, you'll be asked to enter your gift card number at the checkout. The new processes have been agreed and implemented by all banks to help protect their customers from online fraud. Why is my payment not showing on my account? 14 in 1920 x 1080 Resolution. This app cant be used in conjunction with gift cards, but it is useful to know about and could get you an even better discount. 10 is curry's limit for gift cards on a single purchase, so 250. You will continue to receive other correspondence and letters via email as usual. If you have been in Persistent Debt for 18 months and we will send you a letter or email asking you to choose from some options. Currys and PC World. In short - yes you can add Nectar points from a receipt if you take that and your card along to the Sainsbury's in-store customer service desk within 14 days. If you want to change your payment due date, give us a call and ask. Emma Vs Yolt: Which Is The Best App For You? Enter your debit card number so that we can check that it's one we accept, then - if you have more than one plan on your account - choose one of the options: NOTE: Always make sure that you pay your minimum payment against Normal Credit before making payments against any other plans or you may incur late fees and more interest. Your current Argos Card terms and conditions will continue to apply, you'll still receive your monthly statements, and youll need to make at least your minimum monthly payments at your current rate. Love2shop Gift Cards can be spent in The Entertainer, M&S, Iceland, Boots, Debenhams, Matalan, Argos, Wilko, New Look, Peacocks, River Island, HMV and many more stores. I made a payment to a plan but the payment has gone towards a different plan. Use the last 18 digits of your Argos Card number (the long number across your Card) as your reference - i.e. This does not prevent you from settling your balance early should you wish to. It also prevents Persistent Debt from becoming a long-term problem for you. Mostly, yes you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics basically anything thats stocked in Sainsburys and Sainsburys Local stores. Just reserve your order online. If you want to set one up or amend an existing Direct Debit log into this website or call us on 03456 400 700. How do I log in? By Phone: If youd prefer to speak to someone you can contact us on 03456 400 700. Once the balance is paid, you can shop as normal and enjoy interest-free shopping. Can I change my Direct Debit details? How do I update my account? Depending on the payment plan one chooses, whether Simply 10 or pay in parts plan, the interest rate will vary. Access to special promotions. 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. If you wish to make a complaint you can do so by making contact through any of the channels listed here: We hope to resolve issues as soon as were informed. Necessary cookies are absolutely essential for the website to function properly. You might find it useful to work out a budget to help you keep track of your spending each month and prioritise debt repayments. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. Let us know as soon as possible (call us on 03456 400 700 or Contact Us via myargoscard.co.uk). What's my Memorable Word and my Security Number? How do I update my account? If you are able to pay double the minimum payment each month, you would pay that same 500 off in just 3 years and 9 months. You'll automatically receive these text messages if we have an up to date mobile number for you on our system. You will need a valid email on your account, though. Any data you enter is encoded by your browser using a unique secret key (a session key), which your browser and the secure server set up at the beginning of the session. But opting out of some of these cookies may affect your browsing experience. can i use my argos card in currys. No, you haven't done anything wrong. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. You need to continue to make payments manually, until you see confirmation on your statement. U cant use ur Argos discount online its only allowed to use in store. How Deferred Interest is included as part of your Minimum Payment? What's my Memorable Word and my Security Number? Does Persistent Debt affect my credit score? Can I use a credit card to make a payment? The cookie is used to store the user consent for the cookies in the category "Performance". This cookie is set by GDPR Cookie Consent plugin. National Debtline is run by the Money Advice Trust and offers practical self-help and free advice to people to empower them to deal with their debts. Was this answer helpful? Home Retail Group. Credit buying has however alienated the need to have to pay for an appliance at the time of purchase. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. Before shopping at argos.co.uk please make sure you have enough cash on your One4all card to pay for all the items in your trolley, as you wont be able to able to use a second form of payment. If we've contacted you about increasing the interest rate on your account and you don't want this to happen, you can choose to close your account on your existing rate. (Please ensure that you provide all of your details relevant to your Argos Card account). These essential workers can pay 4.99 for a two-year membership to the discount . In the App you can view each of your plans in the My Credit Plans section, this will show you the purchase date, the purchase value and the outstanding balance. Just remember to keep your software up-to-date - check your browser for updates, make sure your device OS (operating system) is updated. Like desktop devices, Adobe Reader is the most popular app for this. We call this the "Deferred Interest Portion". Or visit the Blue Light Card website to order your gift cards. Currys and PC World. How will increasing the interest rate impact the way my account works? 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. We'll take the balance shown on your statement balance if this is less than the Fixed Amount. Why has one of my plans disappeared from my account? We like to remind customers of this to help them avoid their account entering Persistent Debt, which happens when they've paid more in interest, fees and charges than they have towards their original purchase. How much does it cost to use the Argos Classic Mastercard abroad? Of course! Give us a call on 03456 400 700 to ask. You must pay your minimum payment each month. It's critical that we have current contact details for you - occasionally we might need to tell you about critical changes to your account (updates to your terms and conditions, changes to APR etc) and if we don't have your details then we can't contact you. Of course. Just log in and press Direct Debit in the left-hand navigation, then press Cancel Direct Debit. Is a 357 Magnum a good self defense weapon? And you wont pay any interest if you pay within the agreed period. How will I know if my Argos Card account is in Persistent Debt? All Currys gift cards can be redeemed in store or online. What's my 'minimum payment'? You also have the option to opt-out of these cookies. Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. I've sent a text to opt out of the interest rate increase and received an error message. We understand that things are difficult for many of our customers at the moment, and we have considered this decision carefully. Being the same company, credit options offered by both stores are similar. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list. 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. If you require additional support managing your account you can request a letter of authority which we will send through the post for you to complete and return. Please contact us if you are having repayment difficulties. How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? You get an email with a barcode, serial number and PIN number. What do I do if I'm struggling to pay my bills? tui salary cabin crew. The cookie is used to store the user consent for the cookies in the category "Other. If you can only clear off one or some of the plans (but not all) it makes sense to clear the oldest plans first to save you more in interest. You may also fall into 'persistent debt' (see Persistent Debt below) meaning we need to take steps to encourage you to pay more. Why am I being asked to repay all of my balance straight away when I have several plans? Home Retail Group plc was a home and general merchandise retailer based in the United Kingdom. Instructions on how to spend your One4all Gift Card online. Argos/Homebase A Cards If youve one of these gift cards and want to spend it at Homebase, sadly theres not a lot you can do. Can I use my Argos card to buy cigarettes in Sainsburys? 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. I've received a letter from you asking me to choose from some options. As a responsible lender, NewDay Ltd will always carry out a credit search. If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? Help & Support Track my order & repair Returns Spread the cost Gift cards TechTalk Business Stores. From making payments, to changing your contact details, it's quick and easy to keep on top of your finances with the Argos Card App. National Debtline also helps people to budget and look for ways to increase their income. NO CODE NEEDED Get Codes. What are the physical state of oxygen at room temperature? Our physical Gift Cards are usually valid for 3 years, and our eGift Cards are usually valid for 2 years. Can I cancel my Direct Debit? When you connect to our website, your session is encrypted. Enter the Valid Thru date on the front of the card in the Expiry Date box. APPLY IN-STORE You can apply for an Argos Card in any store. 5 Can I use my Argos Card in Homebase 2021? To spend online, simply click the 'Spend Online' shopping cart button below your gift card and follow the step-by-step instructions (you can also see those instructions here ). How will Brexit affect the services I receive for my Argos Card? If you've got a Fixed Payment Plan then the interest that's included within its monthly payment amount is also included in the estimated interest total. Instead, if you have a Nectar card, visit their site and click on the link to Currys or Argos. When you shop in a listed retailer, youll automatically earn cashback. I've recently changed my name. You'll also see a padlock symbol somewhere on your browser, which confirms your session is secure (padlock positions may vary dependent on your browser - always make sure that one is showing though whenever you are using secure sites). If you've already taken some action and started to increase your payments, that's a great start and will help towards moving your account out of Persistent Debt. You can contact us on 0345 601 0798 about your options at any time. The cookie is used to store the user consent for the cookies in the category "Analytics". Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? Just remember to bring ID and a household bill or bank statement to prove your address. If you've entered your login details incorrectly three times then your myargoscard.co.uk account will be locked for 30 minutes, at which point you can try to log in again. signin icon Account Saved items 0.0 Your basket is empty Basket 0 Basket. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. We also use third-party cookies that help us analyze and understand how you use this website. I've forgotten my login details. The retailer list below is for Love2shop Plastic Gift . I thought I was paperless so why have I received a paper statement? You can - just enter your Card number and expiry date from your final Argos Card. Also, we'll advise you where to find free and independent help. We know your debts aren't going to disappear on their own, but we really can help. You can use any type of Argos Gift Card online, as well as in-store. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. 3 months). I don't think I'm in Persistent Debt. I've sent a text to opt out of the interest rate increase, but I haven't had a response. You can also find out more information about how to set up Fixed Payment and Full Statement Balance Direct Debits HERE. Can you use your argos card in homebase? What should I do? I made a payment to a plan but the payment has gone towards a different plan. Here's a look at the credit options offered by Currys, PC World and Argos, three of UK's leading retailers. Find out how he went from worrying about debt every night to finally being able to give up his 20-year career in the Civil Service. Were sorry to hear youre having issues with your Argos Card. What is Estimated Interest? You can only change your payment/statement date a limited number of times. Trade up your Rewards for an Argos eGift card. The Argos card is issued by Argos (Home Retail Finance Group) and can only be used in Argos or Homebase. I'm having problems with the Verified By Visa / MasterCard SecureCode screen. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. Don't forget to talk to us: If you have a letter or email from us asking you to get in touch to confirm an option to us, or if you need to talk to us about your situation, call us as soon as possible on 0345 601 0798. You should receive your statement within 10 days of your statement being printed. . .tg TH { How does normal credit work on Argos card? Use your own name and address for Billing . Here's where you can get your Blue Light Card discounts. Representative 34.9% APR Variable. See our advice on Website Security. Buy Now Pay Later explained. Please continue to make payments by an alternative method until your direct debit is set up. How quickly is it set up? Sainsbury's to close two Argos depots in move that will affect 1,400 jobs. 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. The four digit Plan Ref simply helps us locate a plan on your account if you call us. Chip App Review A Great Start To Saving? Argos. Sainsburys Petrol Stations. Please call us on 0345 640 0700 if you need any further help. Estimated Interest is the amount of interest you might incur if you only pay your minimum payment before your next statement. Instead, I had to click on Offers from Discounted Gift Cards. This will earn you some bonus points. Collect 1 point per 1 at Currys PC World. How do I get past it? "I would like to make a payment against specific plan(s) myself" - You can choose how much you want to pay against any plans that you have. Dixons retail Only the main Card holder can register on myargoscard.co.uk - so if you've been given your Card by someone else then you won't be able to register on this website or the App. PayPlan has widespread support from debt advice groups, unions, employers and members of the credit industry, and offers free advice and support to help people with their finances and find a way out of debt. There is no minimum purchase requirement to earn rewards, and rewards Argos card can be redeemed for cash back, Argos gift card . Yes either for full payment or for part payment when using another payment method. This cookie is set by GDPR Cookie Consent plugin. In this case, we'll give you an Argos Gift Card to use the next time you pop in. If you remember your Login ID but you've forgotten your Memorable Word or Security Number, log in as normal (enter Login ID & Surname and press Next) but on the second page press Forgotten Your Security Details and follow the instructions.
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