Argos Store Card Reviews
Summary
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.
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Latest Reviews
★☆☆☆☆
“Avoid like the plague”
Written on: 21/05/2013
Me and my wife have had this card for 6 months, in this six months we have never been able to register the card online to check the balance, we have been working the balance out in our heads and the occasional very late monthly statement, we have called vanquis (the argos credit card is a rebranded vanquis card) on repeated occasions to try get to the bottom of not being able to register the card online and every time been told there is no problems on their end, only after escalating the a... (read more)
★★★★★
“stupid imature ppl should not get argos cards”
Written on: 01/05/2013 by taralouise3988
this card is brilliant to keep in your purse and use for emergencies and day to day items, your out and about in town you walk past the window there's a lovely table and chairs set on sale but you don't get paid till end of the month just pop it on your card same rule applies if your cooker packs in if your going to use it to shop for the fun of it wait till your plan is running out then frantically scrape the money together this is how you accumulate interest if you make regular small... (read more)
★☆☆☆☆
“Beware Argos card statement cheats”
Written on: 04/04/2013 by rantover
I have a 12 month plan with my Argos card. My feb statement came with the first page 'your account at a glance' - minimum payment : 0 then the march statement came, they charged me 29% interest for the whole year and £12 for overdraft. Talked to a horrible staff - She said my payment plan ended sometimes in March - For any other credit card and payment plan I am using if the payment plan ends in march it should appear in the march statement and you pay after you receive that statement. On... (read more)
★☆☆☆☆
“Argos card services-joke!”
Written on: 29/03/2013
My mother passed away 3 months ago, I knew she had one of these cards but not how much debt she was in. Now, after contacting them with a letter that explained she passed away without a will or estate and a copy of the death certificate, they have shown their true compassionate side by writing to me, her son. They have passed her details onto a debt collection agency to recoup the money. First of all, she had no will or estate, secondly without a will there is no executor and finally I will... (read more)
★☆☆☆☆
“REFUND”
Written on: 07/02/2013 by zaedlo (2 reviews written)
Argos failed to deliver a sofabed/futon saying it was to large to get up the stairs and offered to send me a cheque as a refund on 28/01/2013. One week later I asked Argos where my money was, they again promised me a refund within 5 days. Today I received a voucher for the £306.44 they owe me. After my second complaint, I made it clear I would never shop in their store again, Why send a voucher. So far they have had my money for 7 weeks in all. (read more)
★☆☆☆☆
“Don't get one”
Written on: 07/01/2013
I've been with Argos cards services for a while and have ran up a good debt due to financial problems, but I'm on a turn around at the moment and can transfer the balance to my new card at a lower rate. But Argos won't allow you to pay your balance off with a credit card either by payment or balance transfer. I would look for a credit card first and if they offer you theirs ask if they allow balance transfers before signing on the bottom line. In times like this I want to know why they... (read more)
★☆☆☆☆
“Awful customer service”
Written on: 03/01/2013
I want to cancel my card it's proving near on impossible, I have the online facility to access card services of course no cancel option there! I rang was on hold for 40 mins still no pick up of phone so emailed to be told I need to call its ridiculous I rang again still no answer after half an hour emailed again requesting account closure again told to ring it's awful service won't be using them again that's if I ever manage to cancel! (read more)
★☆☆☆☆
“Dreadful Customer Service”
Written on: 01/12/2012
Four weeks after applying for an Argos card my wife and I are still waiting but have pretty much given up! The customer service has been unbelievably bad. Argos badly need to shake up their rude staff. Ringing them is pretty useless. Twice they have written to us, asking for more details which we have quickly supplied. The letters are brusque and rude even though we have only shown these people politeness and consideration. Most letters finish with something like, "Please answer this... (read more)
★☆☆☆☆
“Argos Store Card Refusal”
Written on: 07/11/2012
I applied online for a Argos Store Card, given full and true detsils only to be refused at the end, the best is yet to come.....I was offered a Argos Credit Card!!!??? The fact remains that I have the financial facilities to repay the amount on a store card in full in order not to inccur interest charges. I was referred to Experion to which nothing in the report show any descrepancies. All payments met and are being met,how do they decide a refusal and have the audacity to offer a Credit... (read more)
★☆☆☆☆
“disgusting customer service!”
Written on: 26/10/2012
i've waited 3 weeks for my card and it is still not here! it took 2 days for my agreement to reach me which i signed and returned the next working day. i rang up earlier today to chase up my card and i was shouted at down the phone by some woman. i only asked how long my card was going to take! i think argos need to take a step back and improve their customer service! they are supposed to be known for their promptness and excellent customer service but i am afraid that has all gone out of... (read more)
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Showing 1 - 10 of 43 Reviews
★☆☆☆☆
“A joke”
Written on: 11/10/2012 by BabyRae
A few months back I went into the argos in airdrie retail park to my a bouncer for my 3 month old son. While I was at the check out the lady asked me if I would like to take out an argos card and explained the benefits of it. I payed for the bouncer cash in hand £24.99. Yesterday I recieved a letter from argos saying that I owed £24.99 on my card even though I have never used it. I phoned customers services and explained my situation but as u can guess they were absolutely useless and told... (read more)
★☆☆☆☆
“Total joke! Not clear agreement, no chance to get in...”
Written on: 28/09/2012
Total joke! Not clear agreement, no chance to get in touch with customer service, can't find out anything! (read more)
★★★★☆
“Really good!”
Written on: 23/07/2012 by Jayoh
Can't beleive all the people complaining about interest charges, obviously they are going to do this, any types of loans do, they can't give away stock for years until you can pay! If you pay the full balance within the buy now pay later period it's a really good option. I hate debt and don't have any but decided on a store card after we were left without some electricals after a break in- was easy to make payments and customer service were always nice with me :-) (read more)
★☆☆☆☆
“crazy”
Written on: 28/04/2012 by madcat (29 reviews written)
Never get a card from them, I got married and they wanted me to send my ORIGINAL marriage certificate so i refused. I then wanted to pay my balance off and close the account, but pay with the debit card in my married name and was told i couldn't as my name had changed....BUT I COULD GET someone else with a completly different name to pay it for me? how does that make sense? so i said i will get my mum who lives 200 miles away to call you, i then had to hang up, call my mum ask her to pay it... (read more)
★☆☆☆☆
“your are mad 2 get 1 ”
Written on: 08/04/2012 by aslan_the_wise (1 review written)
Plz i advise ppl not 2 get a argos card or any other sort of store care and if u do feel the need 2 get 1 then use them in extreme emergencies because the store companies encourage u to use them and to buy more expensive items and they will keep bumping up your credit limit so u will but more its fine if u can keep up with the agreed payments but as soon as u miss 1 they will come down on you with debt collectors and balliffs . I work for a debt advisory group and ive seen countless ppl... (read more)
★★★★★
“Enter the agreement with your eyes open people”
Written on: 12/03/2012 by trebor57 (1 review written)
I have had my Argos Store Card for many years and not suffered a single problem. Every month my statement arrives without delay. The statements clearly show how much you have spent and how much you have paid. I have never had any problems with BNPL deals which I have taken advantage of many times. They make it quite clear that your BNPL purchase will be interest free if you pay the full balance before the BNPL end date. If the full amount is not paid by the end date interest will be charged... (read more)
★★★★★
“Fantastic”
Written on: 06/01/2012 by SRERecordingEntertainment (1 review written)
I don't no why people are saying its terrible it's bassicly there for me coz I dnt lke credit cards or bank cards so I have one to use in store as a bnpl scheme ... Any one who does min payments needs to review wat they are doin and it's there own fault they are puttin them selves into so much dept. use ur brains people and stop moaning.... (read more)
★★★★★
“mr abdullahmohamed”
Written on: 23/12/2011 by ahamed
i think this ccan get beter for evry one in the community worker and i would like argos card please can you sent it to the address please thanks very much marry cristmas (read more)
★☆☆☆☆
“Lose your card at weekend, you have to wait until Monday ”
Written on: 14/10/2011 by Kanie79 (1 review written)
Terrible, terrible, terrible service. Lines are supposed to be open until 8pm, this is not the case. Lose your card Friday evening, wait until Monday to report. You are responsible for £50 when used fraudulently. Ridiculous service, locked me out of My argos card account when I logged on to check my balance to see if used fraudulently. You have to ring to unlock. Ridiculous service (read more)
★☆☆☆☆
“Fine for buy now pay later on anything over 3 months....”
Written on: 20/01/2011
Fine for buy now pay later on anything over 3 months. ABSOLUTELY TERRIBLE for purchases under £95. I was told that anything purchased for under £95 qualified for a 59 day buy now pay later. This was, however, completely untrue. It turned out to be 20days. I was on holiday when the statement was delivered and as I had been told I had 59 days to pay, had not arranged payment. Result= card I now cannot use, a £12 late fee and an arrears on my credit history. Customer services were abysmal and... (read more)
Trebor57's Comment
Written on: 14/03/2012
I think you will find it states 'Up To' 59 days. It's plain for all to see (or hear).
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Showing 11 - 20 of 43 Reviews
★★★☆☆
“The argos card is good if you keep on top of your...”
Written on: 29/07/2010
The argos card is good if you keep on top of your payment due dates. Anyone who falls foul of this really have themselves to blame. I have never paid intrest to argos. think about it, only use it if you think you can handle the payment when it comes round.
This said i think Argos are ruining the card service. When i first joined (around 8 years) i could put items on the card for over £295.00 and get 12 months intrest free. A few years back this was reduced to 9 months intrest free, with 12...
(read more)
★★★★★
“I buy now and pay before time and have had no problems...”
Written on: 13/07/2010
I buy now and pay before time and have had no problems and paid no interest. If you pay the minimum amount of course your going to pay thrugh the nose, any fool knows that don't they !! (read more)
★☆☆☆☆
“really awful...i suggest that no-one ever gets one! ”
Written on: 11/06/2010
really awful...i suggest that no-one ever gets one!
i got this card because i was strapped for cash one xmas 4 years ago!
i was only able to make a minimum payment every month ...ive been doing that for 4 years and the balance has only gone down by £30 ! the interest is ridiculus! DO NOT GET ONE! Its the worst mistake ive ever made!
(read more)
Curr946's Comment
Written on: 11/12/2010
you really only have yourself to blame then don't you..
<br/>
<br/>a credit card would be the same.. why not pay more each month to try and clear the balance, or take a personal loan at a much cheaper rate.
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Guest's Comment
Written on: 20/09/2011
What did you expect?! You lived beyond your means.
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★★★★★
“I agree, no problems ever and the best BNPL's on the...”
Written on: 15/03/2010
I agree, no problems ever and the best BNPL's on the high street - FACT!
The apr isn't high for a "Store Card" at 27.9% but if you have a brain you would never pay interest as I don't, USE IT WITH A BNPL, SIMPLE!
(read more)
★★★★★
“I don't know what you are all moaning about, I have...”
Written on: 15/03/2010
I don't know what you are all moaning about, I have always found the Argos Card to be great. I have had the card for about 7 years and never had any issues. The BNPL deals are what make the card and are why I have the card, they are great and I never pay any interest on anything I buy from Argos. Most of my friends and family have the card and have never had any issues either. Stop moaning and pay your bills on time and you won't go wrong! (read more)
★☆☆☆☆
“Argos never send their invoices out on time, I...”
Written on: 05/03/2010
Argos never send their invoices out on time, I received my invoice for november a couple of days before my december one so payment was overdue & they charged me £12.00. I phoned them & was basically told it wasnt their problem I hadnt received it, if I had a problem to take it up with royal mail. The same thing has happened on several occasions & have never had this problem with anywhere else, so argos want me to believe that royal mail sit on my argos invoice for few weeks before me... (read more)
★★★★★
★☆☆☆☆
“Customer Services not helpful, in fact operator this...”
Written on: 21/01/2010
Customer Services not helpful, in fact operator this morning was really stropey with me. I followed the automated service to pay and wanted to know where the payment would be allocated. Waited to speak to an operator but she would not tell me, very unfriendly too. (read more)
★☆☆☆☆
“after using my argos card for over 4 years & always...”
Written on: 28/12/2009
after using my argos card for over 4 years & always paying the balance in full i made a long journey to another argos store which was the only one to have the item i wanted only to be told when i tried to use my card that it had been cancelled. therefore a long wasted journey as i have never received a letter informing of this after contacting argos they say its because i no longer meet their criteria ie: probably cos i always pay in full & they are not making a load of interest which is a... (read more)
★☆☆☆☆
“12POUND FOR LATE PAYMENTS VERY HIGH INTEREST AT 27.9”
Written on: 17/11/2009
12POUND FOR LATE PAYMENTS VERY HIGH INTEREST AT 27.9 (read more)
See next 10 reviews
Showing 21 - 30 of 43 Reviews
★★★★☆
“Applied for this card when my washer broke, i got one...”
Written on: 03/11/2009 by olass (1 review written)
Applied for this card when my washer broke, i got one straight away as i have no debt. When i used it,it gave me 6mths Interest Free Credit which is what i wanted, i set up payment on my online banking and paid as and when as long as its within the 6mths. Its great and use all the time now and pay it off asap. It works for me but i am very good with money.
Any credit/store cards are great as long as you pay off the full price within the specified time. Good luck
(read more)
☆☆☆☆☆
“The Argos card was easy to apply for, and quite...”
Written on: 09/05/2009 by paulasmith012 (1 review written)
The Argos card was easy to apply for, and quite convenient. Or so we thought. We were offered 'buy now, pay 12 months later' scheme in September 2008. In February 2009, we started getting letters telling us the full balance was now due. We made a phonecall to Argos and I spoke to a very rude saleswoman who kept rather annoyingly repeating "you would have been told what the scheme was when you first took out the credit, it's not our mistake". After she repeated this, I kid you not, SIX... (read more)
★★★☆☆
“The Argos store card is a good option if you can...”
Written on: 12/09/2008
The Argos store card is a good option if you can control your finances and are disciplined enough to ensure you pay the full balance before the end of the interest free periods. I have purchased a bed, sofa & laptop and always paid the balance before the interest is applied - would not recommend for people have are not on top of their finances as the interest that can be applied is astronomical. (read more)
★★★☆☆
“I got my Argos Storecard back in 2005 with a credit...”
Written on: 11/04/2008 by alvinlwh (28 reviews written)
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...
(read more)
★☆☆☆☆
“I wish i never had the Argos card. It started of ok...”
Written on: 24/01/2008
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. (read more)
Gpreshaw's Comment
Written on: 09/02/2008
Well this may sound harsh, but of course they are going to charge interest if you cant make the payments, and at the end of the day that is how they make there money, there would be no point in them giving these cards out if everyone made payments on time because it wouldn't be profitable then. and you should always have some savings set aside to make sure you afford debts that you have just in case you lose your job in this case. next time you take any credit out why don't you consider taking the payment protection so it will help you next time if this happens again
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★★★★★
“I got this card about six months ago and have since...”
Written on: 09/11/2007 by gpreshaw (6 reviews written)
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... (read more)
★★★★☆
“I used this card to pay for my baby's things and then...”
Written on: 21/09/2007 by maisie2002
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! (read more)
182801_Clair's Response to 312189_maisie2002's Review
Written on: 29/09/2007
The Argos card allows you an interest free period if you spend over a certain amount in one go, I think it's 3 months free interest when you spend £95, 6 months when you spend £195, spend £295 and you get 9 months. This is in my opinion the best high street store card if you use it to your advantage. I would advise using any card that you should always pay as much off as you can and just paying the interest and or the minimum payment each month as this will only lead to problems in the long run.
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★★★★★
“I have used my Argos Store Card a few times, and never...”
Written on: 21/08/2007 by yellowtimechris (109 reviews written)
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. (read more)
☆☆☆☆☆
“I first got my card in May 2006, and I made a purchase...”
Written on: 13/10/2006 by carylh (2 reviews written)
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... (read more)
★★☆☆☆
“I have had the Argos Store Card for almost a year now....”
Written on: 16/05/2006 by alvinlwh (28 reviews written)
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. (read more)
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Showing 31 - 40 of 43 Reviews
★★★★★
“The best store cars for me is the Argos Store Card...”
Written on: 08/02/2006 by fetus (1 review written)
The best store cars for me is the Argos Store Card because they have everything you can think of to buy anywhere and less. (read more)
☆☆☆☆☆
“Argos Store Card - Initially seemed like a good idea...”
Written on: 30/06/2005 by WOOTTIE
Argos Store Card - Initially seemed like a good idea but it's what they don't tell you that's the problem. (read more)
262924_Finisheruk's Response to 199884_WOOTTIE's Review
Written on: 11/10/2006
If you are saying that you had a deferred payment, then why should you not get charged? At the end of the day it is a business. For example, if you paid a shop with a bad cheque or had no money in the account, would you not get charged?
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★★★☆☆
“A couple of months ago I was in Argos and they said If...”
Written on: 05/07/2004 by Big Brother Fan (25 reviews written)
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... (read more)
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Samchung's Comment
Written on: 31/12/2012
I suspect that I may be about to have the same experience that you've described.
I've just been on the argos website to place a large order for furniture for the house that I'm about to move into. I was aware that buying with the argos card would give me a 12 month interest free period and so I applied for the credit.
According to the website, the decision should be immediate and so I could apply for the credit and buy the items at the same time. However, after submitting all the information they requested, the website responded that they will get back to me in a week's time!
The last time I'd applied for the argos card was 14 years ago when i was about to move to my current flat. They had declined my application even though I'd had several years credit history of paying off my credit cards every month and actually owned both flats that I was moving between.
I still pay off the full balance of my credit cards every month and now I own out right the flat I'm moving out of and the house I'm moving into.
I suspect that eventually if argos gets back to me, it will be with a rejection.
I wonder if argos is deliberately rejecting people with good credit histories because they want to use the interest free period to trap those people who are least likely to be able to pay off the balance?
I will not place my order with them unless they approve my credit application. I hope other people in similar situation will do the same and refuse to order unless their credit application is approved.