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| Ease Of Making A Payment | 7/10   |
|---|---|
| Customer Service | 5.5/10 |
| Value for Money | 3.9/10 |
| Reviewer Rating | 4.9/10 |
| Overall Rating | 6/10 |
Compare the Argos Store Card today. Whether you are looking for a great interest rate or discounts off purchase, why not read or write reviews on the advantages and disadvantages of holding this card. Make comments and help others and yourself to shop around for the best store card avaiable.
Full review by
alvinlwh
on 11th Apr 2008
User Rating : 5
Respect :
0
Good Points: Easy to get acceptedBuy-Now-Pay-In-3/6 MonthsCan pay at Post Office
Bad Points: High interest ratesLow credit limit that had not change for 2 yearsLate payment fees
General comments: I got my Argos Storecard back in 2005 with a credit limit of £150. Easy to get approved, just fill in some information online and I got it. The problem is I moved home very soon after getting the card and missed a few bills.Before I knew it, I got a call from them telling me that my balance is now over £200, which is over the limit, meaning I get both late and over limit fees.I quickly bring it below the limit and make weekly payments at the Post Office to clear the balance (which is subjected to 24.9% interest) in 3 months.Since that, I had used it twice, both for the Buy-Now-Pay-Later option. This is something that any users MUST be very careful of as if you do not clear the balance by the end of the interest free period, you will be hit with interest on the FULL amount of the original purchase AND for the full time it had not been paid.i.e. If you buy an item of £120 and after 3 months, you had paid off £30, you are left with a balance of £90. But you will be charged interest for £120 for the past 3 months on the 4th month if you did not pay it off in full. This is something that only be used by people with strict control over their finances and WILL pay the full of at the end of the interest free period. However Argos will send a letter before the last statement to remind you that you have the interest free period coming to an end and offer you the chance to clear it completely. This will come about a week or two BEFORE the actual statement, so you will actually get 2 reminders not just one.Card benefits: None, or at least none that I am aware ofEase of making a payment: Post, phone or at the Post Office (with cheque), but NO online paymentCustomer service: I actually threatened to sue them for the late and over limit fees and they refunded it without me actually taking court action.Value for money: Good if paid off within interest free time limit, if not interest rate is very high.Overall rating: I still have it, but only use it like once a year.Will I recommend it? Only if you have good control over you bills, if not a credit card is cheaper.
alvinlwh's review and ratings | 433 words
Review by
Guest.
on 24th Jan 2008
User Rating : 1
Respect :
0
I wish i never had the Argos card. It started of ok because i was working. Now it's gone right down the toilet because i've lost my job. Every time i have asked for help no one seems to care. Yes i got rid of the card ages ago but i still got a great amount outstanding.
Guest.'s full review | 136 words | 1 comment added.
Review by
gpreshaw
on 9th Nov 2007
User Rating : 9
Respect :
0
I got this card about six months ago and have since purchased many things such as a new tv, bed etc, all using the buy now pay later option, this gave me up to 9 months to pay off items such as my tv. which i would have never been able to afford unless using this option, this card is great if you can control your spending on it as you can spread your purchase over many months without being charged interest and as long as you pay the item off before the end of the buy now pay later agreement you ...
gpreshaw's full review | 128 words
Review by
maisie2002
on 21st Sep 2007
User Rating : 7
Respect :
0
I used this card to pay for my baby's things and then purchased some birthday presents but when I try and pay the interest each month is half the minimum payment!
maisie2002's full review | 43 words | 1 comment added.
Review by
yellowtimechris
on 21st Aug 2007
User Rating : 9
Respect :
0
I have used my Argos Store Card a few times, and never have had a problem. The card cracked on the magnetic strip, and I rang customer care for a replacement, which was hassle free, and I had a new card within a few days.
yellowtimechris's full review | 50 words
Review by
carylh
on 13th Oct 2006
User Rating : 0
Respect :
0
I first got my card in May 2006, and I made a purchase on it using the 6 month buy now pay later option. However, only 2 months after my purchase I received a letter stating I was over my limit, as I had had a deferred charge fault added to my debt for non-payment of my buy now pay later (that wasn't due to be paid back until late November). Eventually, after a number of calls that I had to make to their number, which is a premium rate number, they admitted that I should not have been charged o ...
carylh's full review | 201 words
Review by
alvinlwh
on 16th May 2006
User Rating : 3
Respect :
0
I have had the Argos Store Card for almost a year now. When I moved house, I forget to inform them, so I missed the bill. A few weeks later they tracked me down and sent me a nasty letter. I had been hit with a load of fees, effectively double what I actually owe them. Now it may have been my fault to forget to inform them of my move, but double the amount??? Well, I have paid them off fully now, and I do not intend to use the card again.
alvinlwh's full review | 104 words
Review by
fetus
on 8th Feb 2006
User Rating : 10
Respect :
0
The best store cars for me is the Argos Store Card because they have everything you can think of to buy anywhere and less.
fetus's full review | 24 words
Review by
WOOTTIE
on 30th Jun 2005
User Rating : 0
Respect :
-1
Argos Store Card - Initially seemed like a good idea but it's what they don't tell you that's the problem.
WOOTTIE's full review | 61 words | 1 comment added.
Review by
Big Brother Fan
on 5th Jul 2004
User Rating : 5
Respect :
0
A couple of months ago I was in Argos and they said If I signed up for their card I'd get 10% of what I was buying. I normally can't bothered with these things but as I was buying a TV and I'd save a tenner (It was a bargain of a purchase) it was worth filling in the form, much to the rest of the ques frustration. Anyway I filled it in, got my money off, chose a nice design with a plastic duck on it, and went off to watch my new telly. Turns out I was rejected for the card (at the time I'd ne ...
Big Brother Fan's full review | 162 words
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