How do I close my account? What is Estimated Interest? 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. No interest is charged if you pay in full before the end of the Pay Later period and keep your account up to date. 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. Whilst these options could affect your credit file, it's worth considering them carefully if you need additional help with making repayments. Use the [back to top] links to get back to the full list of questions if you need to. Send us your questions via email [email protected],and we'll answer as many as we can. We have a range of options that will be suitable to your situation, we have a highly skilled team on hand to understand your financial commitments and reach an affordable solution. We're answering your questions about the pandemic. If you have any difficulties making your payments please contact us on 0345 601 0798 as soon as you can so we can help you. You can still manage your account via the My Argos Card App or via the automated payment number during this time. (Please ensure that you provide all of your details relevant to your Argos Card account). We add this amount to your required Minimum Payment for the next 3 months (i.e. Still stuck? We have made bold choices to reduce costs, make Argos and Tu more profitable and resilient, grow profits at Nectar and strengthen . Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. We can also take away and recycle your old mattress when we deliver your new one. Aldi shoppers rush to buy Ninja air fryer dupe - and its 110 cheaper, Thousands of households can get 150 free cash for grocery bills - how to apply, I'm a property expert - how first-time buyers can save thousands buying at auction and what to avoid. How will I know when my Argos Card account is not in Persistent Debt? "Tap to pay would be safest. If you are experiencing financial difficulties or can no longer afford to make your increased monthly payment, please contact us on 0345 601 0798 so that we can help you. Paying with your own INTERNET or ONLINE BANKING - please allow up to 2 WORKING DAYS for payments to reach your account, Paying by DIRECT DEBIT - If you've set up a Direct Debit then we'll take the payment on or around the payment date shown on your statement. You should receive your statement within 10 days of your statement being printed. We'll only take your Minimum Payment each month, while Buy Now Pay Later plans will never have a Minimum Payment. What should I do to ensure I don't pay more interest than I need to? However, if we do need to contact you we will ask some security questions before we can access your account. You will be charged interest on this amount which will be backdated to the date of purchase. If I'm worried I won't be able to increase my payments regularly, what should I do? The coronavirus pandemic has prompted retailers to ask customers to wear masks, maintain physical distancing and avoid the use of cash when possible. Some people worry that cash may be spreading the coronavirus. Our Argos stores, Argos stores in Sainsbury's supermarkets and Sainsbury's collection points are operating as normal. "It doesn't represent a new or increased risk. Email: [email protected]. Use the last 18 digits of your Argos Card number (the long number across your Card) as your reference - i.e. There could be different reasons for this, please refer to your most recent statement. To find your nearest store, you can use our store locator. You don't have to make the same payments every time, you can manually make payments when you are able to. While there is no specific danger inusing cash as opposed to any other sort of physical interaction, health authorities around the world are urging people to keep touch to a minimum. To inquire about a licence to reproduce material, visit our Syndication site. If you requested your Direct Debit recently then it's possible that it hadn't been set up in time. How schools can keep new teachers from burning out and quitting If your Argos Card account is suspended, it means that you won't be able to use your card to buy anything new. Something went wrong, please try again later. Quarterly Bulletin 2020 Q4 Our use of cookies We use necessary cookies to make our site work (for example, to manage your session). You can look on your latest statement (go to View Statements when you log in) or we'll tell you on your Account Summary. In exceptional circumstances, particularly where your complaint is complex, it may take over eight weeks to resolve matters for you. Closed Captioning and Described Video is available for many CBC shows offered on CBC Gem. Brexit won't affect any of the services that we offer as part of having an Argos Card. I.e. Sainsbury's said it had spent 485m on Covid-related costs, including paying colleagues that were required to shield or needed to self-isolate. To help you to stay within your credit limit, we'll send you a text reminder when you've used 95% or more of your credit limit. If you do need to return your, depending on where you live, we have made some changes to how you can return an item: In Northern Ireland - from Friday 30 April, item(s) can be returned to any Argos store, in-line with our returns policy. In Wales - from Monday 12 April, item(s) can be returned to any Argos store, in-line with our returns policy. How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? But Argos shops located within Sainsbury's stores are closed, except if you're picking up an order which you've made and paid for online. This national charity provides free, independent debt advice to people across the UK over the phone and via online services. Some stores, including those inside Sainsbury's supermarkets, will stay open for customers to collect an order which you've made and paid for online. The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. . If you have the My Argos Card App or an online account, please use these services to view your statement or to make a payment. You'll also see a padlock symbol somewhere on your browser, which confirms your session is secure (padlock positions may vary dependent on your browser - always make sure that one is showing though whenever you are using secure sites). Martin Lewis issues warning to all mobile phone users who pay more than 9 a month - can you cut costs? When you connect to our website, your session is encrypted. Youll have the option to add this when you place your order. If you can't find the answer to a question you have here online and feel like you need to speak to someone then please call 03456 400 700. Your Memorable Word is essentially your password - something only you'll know. Give us a call on 0345 640 0700 to discuss this in confidence. I don't think I'm in Persistent Debt. Why has one of my plans disappeared? However, in certain circumstances, refusing to take cash in a store may actually violate provincial human rights codes. Please also bear in mind that if your account remains in Persistent Debt, we may need to take other actions, such as suspending on your account from further spending, to help protect you from getting into further debt. She continued: "Before the pandemic started the Government committed to legislating to protect access to cash for as long as people need it and this must happen sooner rather than later. In England, Scotland and Wales, you can book this service when choosing to have your new washing machine, washer dryer, dishwasher or freestanding cooker delivered and installed - you'll be able to select this option when you add the item to your trolley. We use your sign-up to provide content in the ways you've consented to and improve our understanding of you. Ive been chronicling the flood of COVID-19 vaccine claims filed with the CICP since the early days of the pandemic. What does this mean? We will do everything we can to minimise any disruption and get our services back to normal as quickly as possible. How will increasing the interest rate impact the way my account works? New teachers are frustrated and overwhelmed, but there are relatively simple things schools can do to keep them on the job: Pay them more money, reduce the bureaucratic paperwork and Why am I asked to call you when I try to log in? I can't imagine anyone is happy with these payouts, Rene Gentry, director of the Vaccine Injury Litigation Clinic at George Washington University Law School, told me. Due to high demand, were unable to reserve items. Paying With Cash? Retailers Must Take Your Dollars in These States. Previously you could pay for an item you ordered for collection when picking it up in store, but this is not available at the moment - you need to pay for it online. Give us a call on 03456 400 700 to ask. 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. But that is far from a good thing for some people. Can I add something to an existing order? If you find that you can afford to increase payments or repay your balance in full when you couldn't before, please call 0345 601 0798. You will continue to receive other correspondence and letters via email as usual. 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? Call us on 03456 400 703 to see how we can help. We'll make an instant decision, and if your request is accepted then your new limit will be available immediately (even if it doesn't show on myargoscard.co.uk straight away). As Business Insider reported this week, various Chick-fil-A locations across the country have stopped accepting cash, or strongly encouraged cashless payments, during the pandemic. In Scotland - from Monday 26 April, all Argos stores and Argos stores inside a Sainsbury's supermarket are open as usual. Conditional registration gives you limited road access to perform specific functions. You'll need to send us one of the following documents (or a copy of the document) with a covering letter that includes your account number and address: Send your documents to: Argos Financial Services, PO Box 211, Park Mill, Huddersfield, HD8 1FA. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. Your statement will appear online on the same day each month - e.g. You'll have up to seven days to collect it from your chosen store. (Reuters) - Of more than 8,000 people who filed claims with the federal government alleging injuries from COVID-19 vaccines, three have now received cash payouts, new government data shows. Click here for more information. Call us on 03456 400 700 to see how we can help. Can I register again? 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? Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? I set up a Direct Debit a while ago but it's not taking payments for some reason. Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? Iconic discount shop to shut its doors next month - is your local affected? Can I pay online using my Argos Business Account card. How will Brexit affect the services I receive for my Argos Card? We call this the "Deferred Interest Portion". I don't think I'm in Persistent Debt. In some cases, it may take around a week for your card to be blocked while these changes take place. Argos Post Office. We also may change the frequency you receive our emails from us in order to keep you up to date and give you the best relevant information possible. Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. But in order for lockdown to be lifted within "months" and life to return to normal, England's Chief Medical Officer Chris Whitty has told Brits theymust follow the rules first. Payments made outside of these times will be applied to your account within 3 days. You may also fall into 'persistent debt' (see Persistent Debt below) meaning we need to take steps to encourage you to pay more. Visa Debit, MasterCard Debit or Maestro) and press Make A Payment when you're logged in. How will I know when my Argos Card account is not in Persistent Debt? If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Just log in and go to Change Login ID in the menu. What does this mean? Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans?