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How can I apply for an Argos Card?You can apply for an Argos Card in the following ways: Online, in your
local store, by telephone on 0845 640 0701 and when ordering items via
Argos Direct on 0845 640 2020 It's quick and easy to apply - all we
need is general information about you. Will I get an instant decision if I apply online?Once you have submitted your application online we will inform you of
an accepted decision straight away. In certain circumstances we may
need to check more information about your application, so if this is
the case, please bear with us. How quickly will I receive my Argos Card?Once you have completed your application online and been approved, you
will receive an Agreement through the post to sign and return to us.
Once we've received this your Argos card will be despatched to you
within ten working days. How secure is the application process?The website you are viewing is a secure site, with a valid certificate provided by Verisign. The site provides secure communication which means that the information you provide such as name, credit card number and banking details is encrypted during transit. This website uses Verisign's strongest possible protection. It protects all data transmitted to the site using 128 - bit SSL encryption. The certificate is a statement guaranteeing the security of the site. We recommend that you view this site using the browser Internet
Explorer 5.0 or above. For your added security we also recommend that
you only use the online application function from a browser located in
a safe environment (e.g. not 'web cafes' and 'kiosks'). What happens once I've been accepted online?Before your Argos card can be issued we will require a signature on the
credit agreement which we will send to you in the post. Will my application be subject to a credit search?Yes. The information you provide to us will be subject to a credit
search with a credit reference agency in order to assess your credit
rating and to establish your identity, where required. Each time a
credit search is conducted it is recorded against your details which
are held at the credit reference agency. Can I re-apply if I am not accepted the first time?Yes, you will need to wait three full months before re-applying. What is Buy Now Pay Later?A Buy Now Pay Later plan allows you to have what you want now and pay
for it later when it's more convenient. You don't need to pay anything
during the Pay Later period, although you can if you wish, it's
entirely up to you. Simply pay the cash price before the Pay Later
period is up and we won't charge you any interest (we will remind you
when payment is due). If you don't pay in full at the end of the Pay
Later period, interest from the date of purchase will be added to your
account and you can then choose to pay as much or as little as you wish
until the balance is paid off, subject to a minimum monthly payment of
4% of the balance or £2, whichever is greater. Our most popular plan is
6 months Buy Now Pay later when you spend over £190, but there are even
longer periods available, e.g. up to 12 months on selected products. We
will tell you when you can take advantage of these offers. What is deferred interest?Deferred interest is interest which is due from the date of your
purchase. It can be avoided by paying off the Argos Card credit plan by
the due date. So if you have a 6 month BUY NOW PAY LATER deal and you
pay off the cash price any time up to the 6th month, then the interest
won't be charged and all you will pay is the cash price. We'll even
send you a letter with about a month to go to your payment date, to
remind you of the amount you need to pay to avoid interest. If you
choose not to clear the balance by the date it is due, then this
interest, from the date of purchase, will be the same as if you had
bought the item on the normal credit plan which attracts a typical
27.9% APR variable. What is the interest rate?The APR is 27.9% for the account. Where can I use my Argos card?Your Argos Card can be used to purchase in store, via the Internet or by contacting Argos Direct on 0845 640 2020 Can I protect my cards against loss and theft?Card Protection Plan protects you against unauthorised use of your card
if you report the theft or loss to CPP within 24 hours, plus they will
arrange to have your card cancelled and reissued. For more details
please read the Policy Summary. You can select the Card Protection
option during your application. Can I insure purchases that I make using my card?Argos Coversafe Insurance could cover your purchases for up to
90 days against fire, theft and accidental damage. For more details
please read the Policy Summary. You can select the Coversafe option during your application. . Can I protect my repayments against losing my job?If you are unfortunate enough to lose your job through no fault of your
own, or become unable to work through sickness or accident, Argos Coversafe Insurance cover could help. For more details please read
the Policy Summary. You can select the Argos Coversafe Insurance option during your application. Where do I need to send the credit agreement once I've signed it?Once you've received your credit application and agreement, please check, sign and send both to: How quickly will I receive my Argos Card?Once you have completed your application online we'll send you a credit
application and agreement to check, sign and return. Once we receive
this your Argos card will be despatched to you within ten working days. Do I require a PIN number for my Argos CardGood news! You won't need a PIN for your Argos Card, so unlike most
debit or credit cards needing a PIN, you'll still be able to take
advantage of our great credit offers without having to memorise a PIN
number. How often will I receive a statement?If you are using your Argos card regularly, you will receive a
statement every month showing all your transactions. Otherwise we will
send you a statement at least once a year. What are the payment methods?You can pay by using one of the following payment options: 1. By Direct
Debit. If you would like to set this up, please call the Call Centre
on: 0845 640 0700. 2. Send a cheque attached to the giro slip, to the
following address: Home Retail Group Card Services Limited, Royal Avenue, Widnes,
WA88 1AP. Please allow 5 days for the payment to reach your account. To
avoid delays, please write your address, postcode and account number on
the back of the cheque. 3. By cash or cheque at any bank using the giro
slip on the bottom of your statement. There should be no handling fee
at your own bank or at any branch of Lloyds/TSB bank. Please allow 5
days for the payment to reach your account 4. If your bank offers a
direct bill payment service, just call them or visit their website.
Quote our direct payment account number: 9050 5498 plus the sort code
20-91-79. Your customer reference number is your Argos Card number
without the first 6 - so it starts with a 3354 How can I find out my balance in between receiving statements?Just call Argos Card Services on 0845 640 0700, quoting your account details and they'll be able to update you. What should I do if I have an enquiry related to my account?Simply call Argos Card Services on 0845 640 0700, or write to us at Argos Card Services, Royal Avenue, Widnes WA88 1AL. What do I do if my card is lost or stolen?Let us know immediately by calling the Call Centre on 0845 640 0700.
You will not be liable to us for losses which take place after you have
told us about the theft, etc as long as you confirm this in writing
within seven days. If your Argos card is lost, stolen or misused by
someone without your permission, you may have to pay up to £50 of any
loss to us. If it is misused with your permission you will probably be
liable for ALL losses. What can I do if my application has been unsuccessful?There may be a number of reasons why your application has been unsuccessful. When considering your application we take many factors into account, including the use of credit scoring systems and data held on credit reference agency files. You may find it helpful to contact the credit reference agency we used to help us reach our decision. Under the Consumer Credit Act you have the right to see your Credit Reference File. You can request a copy by post, telephone or online. By post - write to: The Consumer Help Service, Experian, PO Box 8000, Nottingham, NG1 5GX, enclosing a cheque for the fee of £2. On line (24hours, 7 days a week): www.experian.co.uk |
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Credit provided subject to status by Home Retail Group Card Services Ltd, Royal Avenue, Widnes WA88 1AL.
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