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Still stuck? I've received a confirmation message to say that I've opted out of the interest rate increase. Dojo is urging people to stay on the alert . Why can't I make one-off payments to Fixed Payment or Interest Free Plans? We know your debts aren't going to disappear on their own, but we really can help. Check the back of your latest statement for all the ways that you can make a payment. How do I log in? Trade up your Rewards for an Argos eGift card. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. 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. We're working hard to resolve these issues as quickly as possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance. 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. Alternatively, they can be used to partially pay, in combination with other payment types. Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. Voucher Code Description Discount Type Expiry Date; 10% Student Discount at Shark: Online Code: 20 June: Choose a 10 Gift Card with Orders Over 130 | Shark Voucher Code How do we apply your payments? Some older browsers may no longer work for security reasons, so you should make sure your browser is the latest version. However, if we do need to contact you we will ask some security questions before we can access your account. } Getentrepreneurial.com: Resources for Small Business Entrepreneurs in 2022. Further Details. Please take a look at our dedicated help page for more information. Can't you just increase my minimum payment? see if you can move your credit card balance over to a 0% balance transfer card. You can also use your Argos Card to buy fuel at Sainsburys petrol stations, excluding Pay At Pump and to purchase any goods at Sainsburys petrol station convenience stores. To activate your card please enter your primary card number below. What browsers will myargoscard.co.uk work on? Can I make a payment using my own online banking? 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. Yes either for full payment or for part payment when using another payment method. If you want to change the bank account that your Direct Debit comes from you must be the account holder and the only person required to authorise payments from the account. Asda. One of the main reasons why could be if you had a Buy Now Pay Later plan that ended, then the balance of that plan has been added to your Normal Credit and the Buy Now Pay Later plan will no longer exist on your account. I've forgotten my login details. The interest on any remaining balance is backdated to the date of purchase, and the rate applied to this Deferred Interest will depend on your Buy Now, Pay Later plan start and end date: What are my options if I don't want the interest rate on my account to increase? Or visit the Blue Light Card website to order your gift cards. And, you can even use your Argos Card to buy your daily groceries and fuel. If we have contacted you for the first time about Persistent Debt on your account, we would suggest paying double the monthly minimum payment shown on the front page of your statement each month. All you need to know, The best cashback bank accounts: Earnings made easy, The best UK paid focus groups and interview sites, Cancelling Sky To Get A Better Deal Save Up To 60%, 10 simple ways to reduce car insurance costs, 15 simple ways to reduce heating bills by up to 40%, 7 steps to help find the best broadband deal, Blue Light Card Discounts List And Where To Use Your Card, 11 of the best budgeting apps in the UK 2023. Please be aware that there are also many similar debt management businesses that will charge you for their services. An Argos Card is a store card with a credit limit that allows you to make purchases from Argos and Sainsburys and pay at a later date. We want to resolve your complaint straightaway and were often able to do this on your first contact with us. When you get to checkout your shopping cart (online) you put the details in where it says 'use a gift card'. Shop at Argos with flexible payment plans that give you longer to pay. If you apply online via a Quick Check Application: well tell you whether youre likely to be accepted before you actually submit your application. If you're still in Persistent Debt after this time, we'll write to you again to tell you what further action we may have to take, including suspending your Argos Card from further spending. Can I use my Argos Card to shop anywhere in Sainsburys? 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. If you're entering your Argos Card number, you don't need to type the first four digits (6335), just the 15 digits after that. Activate and manage your Love2shop Gift Card. You can turn off your paper statements, and paper letters we occasionally send you, when you log in to myargoscard.co.uk or if you download and register on the My Argos Card App. T&Cs apply. Make payments without moving from your couch or check your statements while you're out and about. However, I found that when I searched for Argos on the BLC website, Argos didnt show. And if youre borrowing over 50, well give you between 3 and 12 months where you wont be charged any interest (as long as you pay the total balance before the plan ends). 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. 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. Should I start investing? Can I pay off my Argos Card balance faster? Use your own name for the 'Name on Card' section. Also, if you don't have an email address that you still have access to on your account and you forget your Memorable Word or Security Number you won't be able to log into this website. Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. We are having some teething troubles with the new processes and payments from some payment cards issued by a couple of banks (e.g. Find out more about Persistent Debt here. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. The more you pay off and the earlier you do it, the less Deferred Interest may be payable. Give us a call on 03456 400 700 to ask.. 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? By clicking Accept All, you consent to the use of ALL the cookies. You also have the option to opt-out of these cookies. Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. What is APR? 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. Why is it important that I take action? You will continue to receive other correspondence and letters via email as usual. 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. You dont get one until youve been with the company 6 months then they dont give you a discount card. Argos has a monthly plan from three to 12 months, depending on how much you spend. Spend online and in over 800 stores nationwide. As the card can still be spent at Argos, its considered usable and youre not entitled to a refund. 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. Gulliver's Theme Parks - can be used against walk up admission only. Could be one of a number of reasons: Can I register an expired Argos Card so that I can manage my account? If this changes, we will post an update here so be sure to check back often. What on earth does that mean? I've been in contact with you and chosen an option, but my circumstances have changed. How does normal credit work on Argos card? In-store Lloyds Pharmacies. Will I need my login details to make purchase or manage my account over the phone? 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. How will Brexit affect the services I receive for my Argos Card? I.e. Thats why we urge anyone who receives one to double-check the expiry date shown on them. 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. The Deferred Interest charges will be requested as part of your Minimum Payment, but not all in one go. When you connect to our website, your session is encrypted. We want to help. Stopped using card ages ago and guess what you can't even access the app when you have a new phone. One can pay 10, 24 or 36 monthly instalments to cover the cost of items worth more than 250. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. You also have the option to opt-out of these cookies. 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). 50 Rewards = 50 Argos eGift Card + 5% Rewards. What happens to atoms during chemical reaction? Thats why we urge anyone who receives one to double-check the expiry date shown on them. We like to remind customers that paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance which will help them to 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. Again, you will be taken to the Edenred store. This website uses cookies to improve your experience while you navigate through the website. When you shop in a listed retailer, youll automatically earn cashback. 65% off your first box, and 30% off for 2 months! You can use your Argos Card in any Argos store, online at argos.co.uk, over the phone and on the Argos app. 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. This can sometimes take a couple of weeks to set up, so we need you to keep managing your account as normal until you see the Direct Debit details confirmed on your statement. We call this the "Deferred Interest Portion". Where can I use my Argos Card? Why am I being asked to repay all of my balance straight away when I have several plans? This is for your security - the addition Card holder is using your credit, so if we allowed them to manage your account then they could request new credit limits (and affect your credit rating), miss payments, change your address, turn off your statements etc, which is why we urge only the main Card holder to look after the account. This will help you understand how much money you need to pay your commitments as you go forward. What's Verified by Visa and MasterCard SecureCode? Learn how your comment data is processed. You can choose to pay the minimum contractual payment, a fixed amount or the full balance each month. Necessary cookies are absolutely essential for the website to function properly. Power Strip Surge Protector with USB with 3 AC Outlets and 3 USB Ports. We haven't increased the interest rate on the Argos Card for a long time, yet we have seen the costs of running the Argos Card increase. You can use your One4all Gift Card to spent online by 'swapping' the funds on your card for a Currys eGift . (Please ensure that you provide all of your details relevant to your Argos Card account). Skip to main content. This is so that you can either confirm that you're still able to make increased monthly payments, or so that you can let us know if your circumstances have changed. Applying for the card is not a hassle at all, as this can be done online, via phone or at the till. Our range of Mastercard prepaid cards not only offer variety but are easy-to-use as they work just like a multi-store gift card. Its a simple way to pay for your online Argos shopping. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. Why are you increasing the interest rate on my account? 4 December 2020 at 9:33PM. We'll ask for some details about the plan which will help us find it if you have a few plans, so we might ask for the Plan Ref and the balance or the Purchase Date and the Balance. These cookies will be stored in your browser only with your consent. Plus, you can buy everyday groceries and fuel at Sainsbury's using an Argos Card (just like a regular credit card). The list of retailers changes, but Argos is usually listed, along with stores like Boots, Primark and Matalan. Find out more about Persistent Debt here. No - the Minimum Payment Direct Debit will repay any payments that you owe each month, so these will consist of Normal Credit balance repayments and any scheduled payments that repay Fixed Payment or Interest Free Plans. There could be a few reasons why your payment's not working, so let's check a few things first. What does this mean? When you buy your product you'll be able to spread the cost for up to 12 months without being charged interest. Call their free debt advice helpline or visit. You can use up to 3 Argos Gift Cards/eGift Cards online in one transaction. Currently, you can use either of these cards online or in-store. We've brought together a glossary of words to help simplify the small print and untangle the T&Cs You can collect and spend Nectar points at Argos. I'm worried about being able to afford my repayments. Copyright 2023 by nikkicarsonrealestate.com. 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. 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. The Argos Card lets you shop at Argos and Habitat, with flexible payment plans that give you longer to pay. How secure is this website? With such a great selection available, Love2shop Gift Cards make the perfect gift. The Argos Card lets you shop at Argos, with flexible payment plans that give you longer to pay. 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. No - you can only register one Argos Card account on myargoscard.co.uk. Why can't I make one-off payments to Fixed Payment or Interest Free plans? leave out the first number, which is 6. To purchase, search for Currys in the top right corner of their site (a magnifying glass with a pink background). As for where to return unwanted products, the answer is threefold: you can head to a Currys PC World store to part ways with it, or arrange a free product collection by calling 0344 561 1234 or . If your card doesnt have a four digit PIN you cant use it online, but you can still use it in-store. We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". 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. The cookies is used to store the user consent for the cookies in the category "Necessary". 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. Expires Mar 23, 2023. 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. 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. Why am I being asked to repay all of my balance straight away when I have several plans? Argos currently have 25% off of this grass feed, perfect for getting your garden in shape ready for spring and summer this year. So Argos 20% Off Discount Code is really a nice offer. yes chip and pin Where can you use your home base store card? Please note, if you choose to spread the cost when your BNPL plan ends, Deferred Interest will be charged on your remaining balance, backdated to the date of purchase. Follow these simple steps to use the code. A registered charity that offers free and impartial advice, their service is totally confidential and supports anyone who needs advice and guidance to help them take control of their finances. Registered Address: 123 Buckingham Palace Road | London | SW1W 9SH | United Kingdom. If you want to accrue Nectar points when . } 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 use any type of Argos Gift Card online, as well as in-store. normal credit. Argo card login online is hard for you. National Debtline also helps people to budget and look for ways to increase their income. How much does it cost to use the Argos Classic Mastercard abroad? VERTICAL-ALIGN: middle; TEXT-ALIGN: left Find out more about Deferred Interest here. They should be able to help. 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. After you get your confirmation message, it can take some time for your card to be blocked while we process your request and make the changes we need to in our system. 10 Rewards = 10 Argos eGift Card + 5% Rewards. If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Estimated Interest is the amount of interest you might incur if you only pay your minimum payment before your next statement. It was the parent company of Argos and Habitat, and once owned the DIY chain Homebase before selling it to the Australian retailer Wesfarmers in February 2016. Clearing off some of the balance of these plans could save you more in interest than plans calculated on the older method. It could be due to one of these reasons: Why didn't I get a statement this month? How much this discount will give you varies, but is usually anything between 3% and 7%. How do I close my account? When we resolve a complaint, we will always communicate to you confirming the resolution. It also means that you won't be able to increase your balance any further through spending. signin icon Account Saved items 0.0 Your basket is empty Basket 0 Basket. If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? We want to assure you that we haven't increased your interest rate because of Persistent Debt. I turned off paper statements but I've started receiving them again. Can I change my Direct Debit from Minimum Payment to Full Statement Balance or a Fixed Amount in the future if I need to?
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