Argos Credit Card Reviews 

Awful payment gateway. I was unable to register my account for 2 months due to not recieving an access code in the mail. Numerious attemts to resolve via vhat bot and sitting in telepho e queue. Ebded up with Argos saying I was 2 payments behind and added negative info on my credit file. Took half a day to finally get access to the portal. Complained to Argos and asked for negative info to be removed as it was there fault they refused. Today I got an email sayi g I was in default even though my account was upto date over a week ago. Terrible service never had this issue with old system. There glitchy useless app and poor customer service has left my credit score in tatters.. thanks Argos I never asked for your new rubbish app.

Just rubbish. Just want to clear my balance. It crashes. Rubbish. Why bother with it. Complete waste.
Fancy putting a app out there this bad. Truly amazingly bad 🤣

Absolutely terrible, I am trying to pay my bill, can’t access my account as it won’t let me put my password in and has now blocked me. I have used Argos for years and always paid on time, last month I was charged £12 for late payment as I couldn’t get on the system. Absolutely shambolic, what have Argos done. I think when I’ve paid my bill, if I can get it to work that will be it for me. Such a shame I think they will end up losing a lot of customers.

BNPL just seems impossible now and trained calling but their customer service team were completely useless even when being told how so many customers are experiencing the same problem

I paid the amount they requested way before the deadline
Then the day after I paid another amount
Way more than what was needed just so I would be in credit etc
They then asked for £1.68 interest payment I paid £10.00 instead of the £1.68
They then blocked my account from me spending until the balance was cleared
The amount they asked for was £1.68
So I paid just the £1.68
Then few days later they are now asking me for 0.03 pence
And they also threatened me that they would inform third-party like credit history if I didn’t pay it I’m not happy
I spoke to on live chat and they were not bothered in one bit and also couldn’t give me a straight answer they couldn’t see what the fuss was about. I said I didn’t want it to go onto my credit history as a non-payment when I paid it.
I’m going to be paying up and leaving this
Not very well run company
It was all good until Argos pay took over

I will NEVER be using my argos card ever again. They have completely ruined a good service. I never had a problem, paid on time always, got all the emails about the company moving over, i was having problems so i emailed and emailed no response, by the time i got a letter in the post i was unable to log in to either applications and finally got in to see id been charged multiple late fees! unbelievable and the fact i still haven't received a single email back says it all. aside from that ive had multiple problems with different orders, claiming they are in stock right now and once the order was placed “available to collect next friday” (and then obviously you cant get the money back for 3 years and until you give them your firstborn child) thanks argos!

I returned an item to Argos that I had bought on credit, and for whatever reason £9.99 was left remaining on a payment plan of 9 months. Contacted Argos and they told me to contact Argos Pay, and Argos Pay said it was an Argos problem. Long story short, the next payment made was used to clear that £9.99 balance on an item I returned. Also noticed Argos Pay had removed the end date of payment plans from the app so it was very easy to miss final payment dates. Account closed, card cut up despite the account being held for 20 years. Done with both companies - thankfully.

Utter trash! They tell you what to pay you pay this and then they send you threatening messages and block your account for paying what they tell you to pay! What a joke of a company you are!

If I could give it zero or negative I would. Piss poor is genuinely polite. The app is film of glitches and it creates a situation when you cannot use your card. I had balance that left me 500 pounds but I got declined, declined a 18 pound service in Sainsbury's. The worst thing ever done when it comes to customer service. But then it's hardly surprising. Money for those above first. Like I said piss poor is polite

Absolutely 💯 crap now its a pain to pay
Plus just tried ordering a 65" tv off argos with argos pay basically got kick out right at the end by argos pay by texting saying if this was not you
You will be temporarily blocked
What a bloody joke
Never had a problem before this take over
So still can not order my tv plus just keep being on hold with argos pay

Argos you will lose a lot of customer with all this problems

Needs to be a zero. New day changed my credit limit without telling me and then told I was in persistent debt. I’m not and I was always overpaying every month.
They took over in April and this is the trouble they’ve caused! No way am I impressed!

Do not get anything from Argos now they have been taken over you will be sorry worst app everything is really rubbish

Absolutely horrendous. I’ve had an Argos card for five years and it was absolutely brilliant. It gave you the opportunity to purchase things from Argos without paying interest and that gave you a reason to shop with Argos even though they’re more overpriced than places like curry’s and online brands.

Now Argos Pay has absolutely no features you will be spending money with an absolutely low rated shop and you will be paying 30% interest for it.

When I pay my last payment plan in September, I will be closing my account and I will not be looking at Argos ever again. They removed the one good thing that they had going for them and giving people incentive to shop with them obviously they were not making money from interest however your purchases must’ve been at a higher rate when you offered this service.

Please look at other companies it’s no longer with the hype and I guarantee Argos will see a decrease in people that have an Argos card/Argos Pay account

If I could give 0 stars I would.
Firstly they have changed to payments every 25 days instead of every 28 days. This was not made ABSOLUTELY CLEAR in the change over from Argos card.

Secondly, The Argos Pay App is absolutely useless, you are supposed to be able to change your payment date but no matter what day I've tried to this, it's not allowing it meaning I have to spend time phoning up to speak to someone each time.
The people on the phone have such strong accents and for someone like me who struggles with deciphering language through accents or additional noise, it is impossible to understand what they are saying and incredibly upsetting and I've ended up in tears because I can neither tell if they understand my issue or if they do but I can't understand what they are trying to tell me.
Once I have paid off my balance I shall no longer be using Argos for anything.
Being expected to pay every 25 days rather than every calendar month is a terrible idea and not consumer friendly as most people only get paid 12 times a year not 13.
Can't even speak to a supervisor or make a complaint properly as they have to pass on the message and only if the customer service deems it worthy will they talk to you about it apparently.

Argos pay is the worst, they stealing money from you with insane rates! Buying an item of 300 and want u to pay 550 with interest! And don’t give u buy now pay later like it used to before! It was great before they upgrade. Or maybe say downgrade. Avoid at all cost they literally taking advantage from people even the mortgagee don’t have this type of rates! I will pay off what I have from previous purchases and never use this crap again!

Absolutely awful, they changed to argos pay, messed all my Buy now Pay later, they tell you they automatically assign your money you pay to your BNPL that is due most recent, instead I made a large payment and they paid it off an installment plan id literally just purchased, and then left me with £800 worth of BNPL to still pay before November now, id saved that money to specifically pay the BNPL off and it paid it off the instalment plan, awful website, awful customer service staff, made a complaint and they didnt upheld it - safe to say i will no longer be using argos, most items come damaged, rhey miss items off delivery and then make you re purchase them, even if originally order was BNPL if they miss it - tough you now dont qualify for BNPL and have to purchase the missed item separately- shambles of a company!!!!

Since switching to New Day, I’ve been unable to access my account. I’m a deaf individual and rely on emails, live chats, postal addresses etc. Newday only offer a phone number. I have contacted Argos to provide an alternative means of communication to resolve these issues but been advised New day are offering no alternative means of communications.

I’m therefore being penalised with extra charges with no alternative means to resolve the issues.

I’m now having to proceed with a case of discrimination as a result.

Argos Pay is truly awful. I am going to pay it off even though they have been putting on unfair charges and I am unable to access my account. I have difficulty speaking on the phone due to medical issues and in any case it seems almost impossible to speak with a human at New Day. I never experienced a problem before until New Day took over, They changed the payment date and so even though regular payments were being made they have evidently slapped on late payment charges created by them changing the payment date and on top of this made it impossible to access my account !

What a shambles this newday company is I've been a argos account holder for many years I just tried to buy a laptop on bnpl but nothing will go through slough im registered with argos pay it still won't let me .. so I contacted customer support and was told my account was due to be swapped over on July 12 and nothing I could do .. even though I can still pay payments in ..just can't buy anything ..i needed a laptop not ..not on July 12th .. so many bad stories from other people about payments and charges through their own mistakes is it really worth the hassle from this terrible company .. i will be closing my account with this company as the reviews are shocking .

The new system Argos "Pay" is using is awful when compared to the original Argos Card.

The app is not very user friendly and it bugs out constantly and then when you actually go to pay off a balance they've gone backwards.

Previously you would just use your saved debit card in app to quickly select which plan to pay off or pay in chunks if your financial situation demands it.

Click pay and boom done. Full amount or custom for the selected plan or plans you have.

Now logging in is a nightmare then you have to go to a seperate web page to pay, then select your bank then it takes you to another page that asks you to log into your online banking but not via the app you go via a webpage in browser, then go into the mobile banking app, log into that then request a OTP to verify your log in to then type in your OTP into the online banking page on the browser. (despite argos being saved as a "trusted payee".

Then select which account you want to transfer to funds from, you are then redirected back to the first page then told to go to the argos app.

Why is it so challenging and god forbid someone has not signed up for mobile banking then you litterally cannot pay the balance, its insane.

Your basically bank tranfersferring to Argos through multiple hoops to accomplish the same thing you would have with the old system but takes 5 times as long and a hell of a lot more frustrating.

Needs changing back to the original system asap because I myself will no longer be using it.