Argos Credit Card Avis 

I’ve used my argos card for over 15 years..it’s been brilliant.Flexible and easy to use.
Never had any issues until the new argos pay app was introduced.
Absolutely horrendous
I’m paying my remaining balance and cancelling my account.
The last time I was in my local Argos store in Pembroke Dock Pembrokeshire and I attempted to ask the lady behind the counter a question and she literally turned away from me and said ‘we’re nothing to do with argos pay’..”you’ll have to ring them”
You ring the contact number and no one picks up the phone.
What a shame..I’ve used Argos since I was a kid in the 90’s…no more

As a long term customer I was changed to Argos pay. The app is an absolute disaster and you can't choose which plan you would like to take money from. I phoned them as I was very confused about a payment and the lady from an Indian call centre told me to pay £269! The payment should only have been £49! She assured me it would come off the highest interest plan then when the money was taken she apologised saying her supervisor said they take it off the entire balance (more money for them).
I only owe £300 and I can't wait until it's gone as I will never take credit with Argos again. Argos must be losing a fortune as everyone I know can't wait to get shot of it.
Argos Pay is aimed entirely at company profits and squeezing as much interest out of the customers as possible. Beware! Take your custom elsewhere as you will regret using Argos Pay!

Once I cleared the card I will close the account its legal robbery

Argos Card was so good, now ruined by Argos Pay! I’ve just had to argue for 40 mins with these new cowboys about closing my account down because they had closed my plans down and started incurring interest on everything! Not on my watch, account closed and paid off what I actually owed. Customer service is some random Indian Call centre now too yay!

If I could give one star j would,what have you done Argos,first problem was earlier in year my microwave broke and they wouldnt take it back etc although it was Argos make cookworks,so I went elsewhere bought new one, but over 6 years Iv sent thousands as used to buy all the grand kids Xmas presents,I ordered £50 worth of jewellery for granddaughters birthday to be delivered half was broken-they only refunded partial I was upset but I'm disabled and not well so left it and said never again,but like most on here will be closing my account at end of month

What a joke Argos pay now is. Ordered item online which is falling apart, but because it came from one of their trusted sellers I have to contact them cannot return to store for refund. Tried twice to contact so called trusted seller no response. Cannot speak on phone to Argos and they say contact seller. I purchased from Argos so why are the not helping. Will go elsewhere in future. Beware

Worst crap ever, continuous loop at checkout I give up!!!

I have been trying to place an order using Argos pay since Monday evening. I've spent hours on the phone during this time, being passed from pillar to post between Argos, Argos pay & was even transferred to the fraud squad by Argos, who obviously couldn't help me place an order.
There was never a problem when they used the Argos card & you could go in store & use it, now it can only be done online & it is a complete & utter nightmare. This is the second time I've tried to use it since the change over & both times have been so stressful!
It reverts back to the old adage, if it ain't broke don't fix it. It was fine before & now incredibly broken.

Absolute waste of time no BNPL option anymore .horrible app total waste of time will not use this payment option again

⭐ Argos Pay – what a joke!
I preferred the old Argos Card by far. The old system was much clearer, especially when it came to 0% interest-free Buy Now, Pay Later purchases.
Today I tried to purchase a large item for £600 from Argos. I have over £2,000 available credit, and the item clearly stated that it was available with 0% interest for 12 months.
However, when I reached checkout, the 0% option wasn't available to me. Instead, I was offered 30.348% APR over 12, 24 or 36 months. On a large purchase, that could mean paying £300–£400 extra in interest.
I then called customer service to ask why I wasn't being offered the 0% option. Unfortunately, I was simply told to try again tomorrow, because apparently just because I wasn't offered it today doesn't mean I won't be offered it tomorrow!
How is a customer supposed to understand or plan a purchase when the finance options can apparently change from one day to the next?
If an item is advertised as being available at 0% for 12 months, customers should be able to buy if they have sufficient available credit why wait next day to see if option is available!?
The whole new Argos Pay system feels unnecessarily complicated compared with the old Argos Card. I'm extremely disappointed with this experience.
We want the old Argos Card back!!

Like many, I was pleased with my Argos Card account. The payment plans were always flexible and customer service was always excellent. However, Argos Pay falls short. The app is frustrating and clearly wasn’t thoroughly tested before launch. Navigating it and making payments are both difficult. Furthermore, if you have multiple BNPL plans you can no longer choose which one to allocate a payment to; Argos Pay makes that decision for you. Customer service is also terrible. It takes over five minutes to get through the robot’s endless options before reaching a human. Even then, you’re made to feel like an inconvenience. I’ve closed my Argos Pay account and won’t be returning.

The new Argos pay account is a disgrace with the new interest rates and how its being paid is actual theft bring back the original Argos card was brilliant with acceptable repayments

Argos obviously don’t value their existing customers. I want to spend £1000 but Argos pay not working so that £1000 less in their pocket, maybe if they spent a little less on their stupid advertisements and more on ensuring a usable payment card they would ensure that their reliable
customers don’t go elsewhere.

Do u want 2 no how rubbish this has got since the new plums took over take the pass code they don't make it easy o no u need a 6 digit code but u cant use the same numbers in that code so u cant have say 121 because u have already used the 1 are these that stupid there is only 10 numbers 2 use and u need a code u can remember when ur using argos pay there is so many login pages just 2 get in ur account never mind buy something with it they will reply saying we take security very serious yh more protected then the bank of England from now on ill use cash i think I cant remember 10 login stuff just 4 this and the interest is shocking are they trying 2 get the money they paided off me 4 argos pay not only do they get money from me using there services with the shop they want 3 times more off me in chargers Absolut jokes

Does this company actually want people to buy through Argos Pay or not?? As I couldn't make a purchase, I spoke to a really lovely guy at customer service, but after 15 frustrating minutes, I couldn't take it anymore?? Advice was, delete the app completely, download again in a few days, phone us for new login details???? What a palaver....
Best idea, delete completely and don't bother! 🤬

I ordered meta quest glasses in May for £390 , being paying it ever since which means I’ve paid £185 upto now but yet my account seems to look like I’ve only paid £40 which doesn’t make sense, they add fees when ever they want and interest is shocking, so if you want to get yourself into a turmoil of debt over item at this point which is not even worth what they’re charging me for I would stay well away from this company shocking! Day light robbery

Since newday have bought the credit side of argos it's terrible. You cannot just pay off a buy now pay later if you have a normal credit purchase on your account. When you make a payment they credit it to your normal credit purchase and not to your buy now pay later purchase. This then means they can charge you interest for the term of the buy now pay later. The only way to prevent the interest is to pay the full account ballance for both purchases. I have been a argos card customer for a long long time. I have now paid off the account and closed it due to the newday takeover. They are just trying to impose credit charges on unsuspecting customers.

Since New Day have taken over, it's absolute garbage and I will be closing my account. Usually taking over something means improving it, but they have made it far worse - it lacks quite a few useful features, like the ability to allocate payments where you choose, clarity regarding interest on BNPL plans, and the customer service reeks of toxic positivity and zero accountability.

Argos made a big mistake selling their card services - I used to go to Argos first to buy stuff for home and for work, now I avoid it where possible.

If I could give less than one star I definitely would!

I'm so glad to have totally ditched Argos card, and avoid the pitfalls of this transition. The outcome - whilst predictable - has been appalling. Could not be worse. This will be the absolute downfall of Argos as a brand; they will be totally gone within a year, & deservedly so. I would urge any Argos card user to ditch the ArgosPay model, and spend your money elsewhere. Like I do. They do not deserve any custom after making such ridiculous changes to what was a decent scheme. Shameful.

2ND REVIEW NEWDAY/ARGOS.
I closed my account on the 1st September 2026 I still have not received written confirmation this has been done and I am being offered an increase on my credit limit, I do not want an increase, I just want to get rid and looking at the reviews on here, looks as though many people want to do the same