The Blue Light Card is the discount service for the emergency services, NHS, social care sector and armed forces. Will my Argos Card application involve a credit search? Can I make a payment using my own online banking? 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. You can set a 'hint' when you register to jog your memory if you forget it. I don't think I'm in Persistent Debt. The "Buy Now Pay Later" revolution - Business of Business. I'm in arrears or have a repayment arrangement, do I need to pay more? The cost of living crisis is affecting all of us and making it harder to balance our household budgets. Coming here to MyArgosCard.co.uk, or downloading and registering for the My Argos Card App, where you can manage your account and make payments, Calling our automated payment system on 03456 400 700. 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. The retailer list below is for Love2shop Plastic Gift . Once we have received your completed form we will add the details to your account which will allow the person you have nominated to access, change and manage your account in full. We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? Remove the silver scratch panel from the back of your card to reveal your CVV2. If you've only recently opened your account then it's possible you may not have a statement yet. It could be something to decorate your home, or pre-ordering the latest Playstation. Touch device users, explore by touch or with swipe gestures. 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. For returns, product support and repairs Learn more here. Were looking into this as we know itd be a super-helpful feature. Once you've selected the Currys option, at . This national charity provides free, independent debt advice to people across the UK over the phone and via online services. Just remember to keep your software up-to-date - check your browser for updates, make sure your device OS (operating system) is updated. 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. We will never ask you for your login details for myargoscard.co.uk. 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. Write to us: You can write to us at Home Retail Group Card Services Ltd, PO Box 211, Park Mill, Huddersfield, HD8 1FA. 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). 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. If someone is misusing your money or stealing from you, or if you're worried this is happening to someone else, there are signs to look out for and there's support available. Get ready to save money shopping online! Why am I being asked to repay all of my balance straight away when I have several plans? 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. The cookies is used to store the user consent for the cookies in the category "Necessary". 1.7K Posts. can i use my argos card in currys pc world. If we've not been able to do that by the end of the third business day after we've received your complaint, we'll communicate to you to acknowledge this is being investigated further. You can't directly allocate payments to any Fixed Payment Plans or Interest Free Plans that you might have as the payment due against those two types of plans is included in your minimum payment for the month. By clicking Accept All, you consent to the use of ALL the cookies. If you're using browsers older than Chrome 28, Firefox 27, Microsoft Edge 12, Safari 7. Spend over 50 to choose from one of our standard credit plans or check out our special offer credit plans.These are time-limited credit offers available on top products including phones, furniture and vacuum cleaners. 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. What happens if I am unable to increase my payments? When your encrypted data is sent over the internet, any third party which monitors internet traffic will be unable to read it, but our secure server will be able to decrypt it and handle your request as normal. As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. Where can I spend Love2shop Gift Cards? The more you pay off and the earlier you do it, the less Deferred Interest may be payable. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. 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. This means it may take longer than usual for you to receive mail from us or for us to receive anything you send to us in the post during this time. NO CODE NEEDED Get Codes. Why is that? Your first step is to choose whether to opt for a Gift card or an eGift card. What do I do if I'm struggling to pay my bills? The Argos card is issued by Argos (Home Retail Finance Group) and can only be used in Argos or Homebase. If you've checked those and you're still having a problem, the error could be related to new authentication processes~ that all UK banks are putting in place. Get credit can i use my argos card in currys pc world anyone know looking at computers PC World discount code and 10. Call us on 03456 400 700 to see how we can help. Should I start investing? Octopus refer a friend: 50 credit when switching 2023 code, 10 of the best receipt apps to earn money in the UK, The Top 10 Best Paid Survey Sites In The UK 2021, The best cashback sites in the UK: Earn 100s back, How much do extras get paid? } Our physical Gift Cards are usually valid for 3 years, and our eGift Cards are usually valid for 2 years. BORDER-COLLAPSE: collapse; BORDER-SPACING: 0; MARGIN: 0px auto Yes, you can use an Argos gift card in Homebase. How can I get help with paying my Normal Credit balance? Can I use my Argos card in Homebase 2021? Will I need my login details to make purchases or manage my account over the phone? Can I turn off my paper statements and letters? In-store Lloyds . Well the only retailers in my immediate vicinity are Argos, PC World/Currys and Brighthouse that i can think of. Stay away and avoid, not very helpful at all. How do I update my account? The APR is intended to help you compare different offers. I've received a letter from you asking me to choose from some options. While credit scores might seem dull, getting your finances in shape is a really important life admin task to tick off the list. Yes, you can use an Argos gift card in Homebase. Dojo is urging people to stay on the alert . Why are you increasing the interest rate on my account? 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. We're here to help if you've recently lost someone close to you. How much should I pay each month? Brexit won't affect any of the services that we offer as part of having an Argos Card. You can pick up the latest Curry discount codes list here from the official site. Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. See our advice on Website Security. Interest will be charged from the date of the cash transaction even if you pay off your balance in full. How will I know if my Argos Card account is in Persistent Debt? In some cases, it may take around a week for your card to be blocked while these changes take place. Please don't reply to the error message because this won't register on our system. Please be aware that there are also many similar debt management businesses that will charge you for their services. Apply these Currys PC World or something can i use my argos card in currys pc world looking at computers how grant. I've forgotten my details. How will increasing the interest rate impact the way my account works? What happens next once I've confirmed my choice? Yes, but remember that you will be charged interest from the date the withdrawal appears on your account, as well as an additional withdrawal fee (3% or 3, whichever is greater). Emma Vs Yolt: Which Is The Best App For You? What is APR? What do I do? 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. Currently, you can use either of these cards online or in-store. The first 6 digits of your gift card number will be pre populated. Access to special promotions. If you pay off some of the balance during the plan, you'll see on your subsequent statements that the Potential Deferred Interest reduces. All Rights Reserved. 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. The Argos Card lets you shop at Argos, with flexible payment plans that give you longer to pay. 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. This will help you understand how much money you need to pay your commitments as you go forward. HaloHarry2k9 2 yr. ago. And remember to save them up and use them in the Sainsburys Big Swap event, which will give you up to twice their value. It does not store any personal data. Your minimum payment is your "minimum monthly contractual payment", which is simply the amount that you must pay us each month as per the terms of your agreement with us. 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. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. When can I use my new credit limit? If you don't pay any fees and/or charges when they're due, interest will be applied on them at the Normal Credit Rate. Purchase a gift card in store, where any value up to 1,000 can be loaded onto a Gift Card. Input a code at the checkout for employees. Sainsburys Petrol Stations. The way you apply depends on whether you need a credit plan today Or whether youre lining up credit ready for future shopping at Argos or Habitat. If you ask us to make any changes to your Direct Debit (amount, bank account or date) in the 5 working days before your next payment date, the changes may not take effect until the following payment due date. you can use Zilch. Your APR is displayed on your latest statement. To find out more, please refer to the terms and conditions of your card. You get an email with a barcode, serial number and PIN number. The Deferred Interest charges will be requested as part of your Minimum Payment, but not all in one go. Why it could change your life, Nutmeg Lifetime ISA Review 51.93% Returns, Fidelity Stocks & Shares ISA Review 27.23% Return, 14 of the best investment apps in the UK for 2023. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. I thought I was paperless so why have I received a paper statement? Add your Business Account card as a payment type on your argos.co.uk account to make payment quicker and easier. Top Offers. However, there's no direct link between your credit score and your account being in Persistent Debt. Why does the letter say I am? You just need to make sure the card number starts with 10000 and youve got a four digit security PIN. Open the link and your statements will appear at the top of the page. We'll write to you at the end of that period with details of any further action you may need to take. Double check the message you've sent to make sure it matches the instructions we've given you, as the system we use can't register your request properly if there's things like spelling mistakes or if you've typed the wrong number. can i use my argos card in currys. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. So that includes eGift Cards or physical Gift Cards (the plastic or cardboard type). If your Argos Card account is suspended, it means that you won't be able to use your card to buy anything new. I.e. Please note that all content is for information purposes only and should not be construed as financial advice. Take a look at my Airtime Rewards review to see how it works and all of the retailers listed. We will do everything we can to minimise any disruption and get our services back to normal as quickly as possible. Again, you will be taken to the Edenred store. You can withdraw cash on your Argos Classic Credit Card from any cashpoint that displays the Mastercard logo. Can I use a credit card to make a payment? Can I use my Argos Card to shop anywhere in Sainsburys? Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. If you pay off your Plan before the end date, no interest will be charged if you keep your account up to date. Does Persistent Debt affect my credit score? You will then need to checkout and pay for your discount card. 6.99. These cookies will be stored in your browser only with your consent. Can I register again? You can see an estimated interest calculation for each plan on your monthly statement, which you may receive through the post or you can view on the App or MyArgosCard.co.uk. 1 Can I use my Argos credit card anywhere? We want to help. 3. 65% off your first box, and 30% off for 2 months! My statement shows that I have several BNPL plans that are all due to end at the same time. You can also find out more information about how to set up Fixed Payment and Full Statement Balance Direct Debits HERE. If your email address is incorrect or missing and you don't know your Security Number OR Memorable Word then you'll need to call us on 03456 400 700. Can I turn off my paper statements and letters? How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? There's a range of options we can look at to suit you. You can pay for your order in full with Gift Cards or gift vouchers. Currys. You can change your Login ID later if you want to. Battery life: up to 35 hours. In-store Lloyds Pharmacies. With an Argos card, you can buy anything from Argos, start using it right away but pay them later. When you shop in a listed retailer, youll automatically earn cashback. Dixons retail What should I do? Email: complaint.info@financial-ombudsman.org.uk. We may be able to offer you support and we'll look at the options available to help you keep up with repayments. To be able to carry on using your Argos Card you must call 0345 601 0798 to let us know what option you have chosen. Depending on the payment plan one chooses, whether Simply 10 or pay in parts plan, the interest rate will vary. DSG International has announced a selection of own-brand gadget ranges. reasonable costs for enforcing the agreement, including any loss, costs or expenses that may be incurred in collecting money owed under this agreement; It's the amount of interest that you could be charged if you don't pay off the full Buy Now, Pay Later plan balance before the plan ends. 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 The card number is the 16 digit number that can be found on the front of the card. 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. 4 Can I transfer my Argos Card balance to my Barclaycard? If you make only the Minimum Payment each month it'll take you longer and cost you more to clear your balance so feel free to repay as much as you want to in addition to your Minimum Payment Direct Debit. What happens if I spend more? You also have the option to opt-out of these cookies. You might notice that some Plan Refs are the same as others - that's because they're not unique and they just tell us what type of plan it is. What should I do to ensure I don't pay more interest than I need to? Can I register again? 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. The same encryption also occurs when we display screens back to you. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. 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. Go here and give us some details about you and your Argos Card (your Card number and expiry date), set up your login details and then you're all done! You can delete or block cookies but it may affect your access to some parts of our site. Depending on what you buy, you can use an Argos Card a bit like you would a regular credit card or take out an Argos Card credit plan. Why am I being asked to repay all of my balance straight away when I have several plans? The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. 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. These cookies track visitors across websites and collect information to provide customized ads. You can only use the Argos card in Argos shops, on the Argos website and in branches of Homebase. }. Skip to main content. Some older browsers may no longer work for security reasons, so you should make sure your browser is the latest version. 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. This will earn you some bonus points. But if you do have a balance and haven't received a statement then it's possible that it's been delayed in the post. Why does the letter say I am? Its a simple way to pay for your online Argos shopping. The cookie is used to store the user consent for the cookies in the category "Performance". Will I need my login details to make purchases or manage my account over the phone? This is because rules from the Financial Conduct Authority mean that we need to take steps to help you repay your balance more quickly and pay less interest. If youre using it as part payment with another payment method, youll need to know the remaining amount on your card to enable our colleagues to process it. Find the product you want to buy in the search bar on the Argos website and 'Add to Trolley'. If you've only become an Argos Card holder in the past 12 months, If you have an emergency temporary credit limit already on your account, If you've changed your limit within the last 6 months, If you're requesting a new limit which is below your current balance, If you're in arrears or you've missed payments. When your Direct Debit has been set up you will see this confirmed on your statement. Payments made outside of these times will be applied to your account within 3 days. Once youve selected the Currys option, at the bottom page will be a button for you to select. 4. OFF. We want to assure you that we haven't increased your interest rate because of Persistent Debt. You can see the end date on the official web shop or on HotDeals.com. Household Money Saving, 2023. How will Brexit affect the services I receive for my Argos Card? We'll try to provide you with help that's clear, practical and easy to understand. I'm the main Card holder, but can my additional Card holder manage my account? Why am I asked to call you when I try to log in? 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. 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. Heres a look at the credit options offered by Currys, PC World and Argos, three of UKs leading retailers. You will continue to receive other correspondence and letters via email as usual. APPLY IN-STORE You can apply for an Argos Card in any store. How much this discount will give you varies, but is usually anything between 3% and 7%. If you're still concerned about being able to repay your Normal Credit balance, give us a call on 03456 400 700 and we can discuss the options available to you. 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. Editor, Marcus Herbert. mcgilley state line obituaries. If you wish to make any additional specific payments you can ask us to direct these in a specific way to meet your needs. If youve one of these gift cards and want to spend it at Homebase, sadly theres not a lot you can do. This interest will be backdated to the date of purchase. Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? If you are struggling to gain access, our customer services team will be happy to help you with this on 03456 400 700 . 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. It depends how much you can pay off towards a plan and when your plans were started. We call this the "Deferred Interest Portion". If you choose to spread the cost over a longer period, then you will be charged Deferred Interest on any balance remaining at the end of your plan, which you pay as part of your minimum monthly payment. Your statements are stored in 'View statements' on the left-hand side when you log in. PC Worlds website was merged into Currys in July 2019, resulting in the end of PC World as the separate retailer.