Argos Card...

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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.
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Will I get an instant decision if I apply online?

Once you have submitted your application online, if we are able to accept you straight away, we will let you know immediately. In certain circumstances we may need to check more information about your application, before we can make a decision, so if this is the case, please bear with us.
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What happens if Iím accepted and how quickly will I receive my Argos Card?

Once you have completed your application online and been accepted, we will send you an agreement for you to sign and return to us. Once we've received your signed agreement, your Argos card will be despatched to you within ten working days. So the quicker you can get the signed agreement back to us, the quicker we can send your card to you.
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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').
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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.
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Can I re-apply if I am not accepted the first time?

Yes, you will need to wait three full months before re-applying.
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What is Buy Now Pay Later?

A Buy Now Pay Later plan allows you to pay nothing for a period and then you can choose to either pay off the balance before the end of the Payment free period and pay no interest, or decide to spread the cost over a longer period. If you choose to spread the costs even further, 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 plus any fees incurred.

Our most popular plan is 6 months Buy Now Pay later when you spend over £199, but there are even longer periods available, e.g. up to 12 months on selected products. We will tell you when you can take
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What is deferred interest?

Deferred interest is interest which is due from the date of your purchase. It can always 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 in your statement about a month in advance of 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 representative 29.9% APR variable.
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What is the interest rate?

The APR is 29.9% for the account.
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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. You can also use it in Homebase stores and at
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Can I insure purchases that I make using my card?

Argos Coversafe Insurance could cover your purchases for up to 365 days against loss, theft and accidental damage. For more details please read the Policy Summary. You can select the Coversafe option during your application.
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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.
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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:
Home Retail Group Card Services Limited
Thynne Street
Bolton, BL11 1AS
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Do I require a PIN number for my Argos Card

Good 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.
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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.
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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, Thynne Street, Bolton, BL11 1AS. 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
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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. You can also register at and manage your accounty online, 24/7. It only takes a couple of minutes to register.
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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, Thynne Street, Bolton, BL11 1AS or go online at It only takes a few minutes to register and you can manage your account online, 24/7
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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.
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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 (24 hours, 7 days a week):
By phone (24 hours, 7 days a week): 0844 481 8000
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