Argos Card

Advantages: -
Disadvantages: -

I've had an argos card since they first bought them out around 8 years ago, as I found having a store card to Argos was very useful, you never know what you might need and if you haven't got the cash for what you need then it could end up being a problem. Having an Argos card give you the ability to purchase more or less anything that you may need to replace in an emergency and is relatively cost effective too. When enrolling for an Argos card, ...
...on the card. The Argos card offers many benefits, I feel more so than other card companies, you regularly receive newsletters with your statements with money off vouchers when you £50, it goes on normal credit in which you have 30 days to pay before you start to get charged interest on the purchase. However if you spend over certain amounts, you can obtain up to 3 months and 6 months interest free credit, and they always make you aware when this ... Read review

Advantages: Option to pay over 6 months interest free on orders over £125
Disadvantages: High APR on other purchases

...national debt. The Argos card is somewhere in between. I don't generally agree with store cards. They can offer one to anyone over 18 and they regularly do. I think store cards are a bad idea because they are so easy to get and use and thereofre build uphuge debts. Offering them to every person that comes in is wrong I think. Having them available for people to ask about is fair enough, but I think offering them to everyone is irresponsible as it ...
...I used to work for Argos and I was there when the Argos card scheme began. There were a few reasons for Argos having their own card, apart from the obvious benefits they have of a riduculously high APR of 25.9% that earns them lots of money. One was that the premier points scheme that used to be in conjunction with BP petrol stations was superceded by Nectar. So because Argos still had to give goods in exchange for points they had to find another ... Read review

Advantages: Special Offers, Reward Points, Buy Now Pay Later Options
Disadvantages: High APR

I first took out an Argos card a few years back as a bit of an emergency measure really. My mobile phone had broken and, yes it was that time of the month, a week before payday. Being the impatient person I am I wanted a new one, and I wanted it now! So after having a look through what at the time was quite a thin Argos catalogue, not like today’s one, I saw the details of their Argos card. So I figured that this would be a good idea. After picking ...
...visiting www.argos.co.uk and clicking the Argos Card link at the very bottom of the page. The card itself arrived within about 10 days which is pretty average for these sorts of things. Anyway I had already made my purchase. When you apply for the card you get the choice of 3 different card designs, one bright yellow with a duck on it, the second with a picture of to dolphins diving, and the third card is a boring plain blue card. Just to be different ... Read review

Advantages: Can purchase and pay off items on interest free credit schemes
Disadvantages: Very poor customer services

We have held an Argos card for 4 years. We have used it on approximately 4 ocassions during that time. We have used the card to make larger purchases on the interest free credit scheme which has until now worked fairly smoothly. Once we have purchased an item, we pay a small sum every month during the interest free term and then settle the balance. This week however, we had our 'fingers burnt'. Almost a year ago we purchased an item for almost £400 ...
...decided we would ask for Argos vouchers as gifts at our wedding during the year. I read the 'small print' and found nothing to suggest that vouchers would not be an acceptable form of payment. This week I called up to find out how we go about settling the balance in this manner. We were told this was not acceptable and that vouchers were only accepted over the counter for goods bought in store. I asked to speak to a Customer Services supervisor who ... Read review

Advantages: Small delivery charges, payable over variable periods.
Disadvantages: high interest charges, misleading information, indifferent customer services

...a little stretched, so an argos card seemed like the perfect solution! "Buy now, pay over 12 months" seemed a good idea! Reading the small print (while trying not to go blind) I thought okay, pay a bit each month, then there wont be too much left to pay at the end of the year! Except that isnt how things turned out! Over 12 months I paid £270 of the balance,but at the end of the year I was £30 short of the total! Low and behold Argos added the ...
..."card services" I was informed ( by a disinterested and unhelpful operator.) that the agreement was "the whole balance should be paid in full prior to the end of the term or the whole years interest will be charged." I pointed out that I had understood the contract to be "a years interest will be incurred on the balance that remains outstanding at the end of the term." the operator then sneeringly informed me that I was wrong, it was all in the small ... Read review