Argos Credit Card Avis 

Argos pay is really annoying😡
You can do better.

Absolutely atrocious if i could give it zero stars i would. I will be getting rid! I loved my argos card.. but now!! App useless, payment options useless. No nectar points...no point at all actually. I used to use for xmas sales and larger purchases.. this will affect how people who had the previous card shop at argos im sure ...

Tried to buy a new phone and each time it came up with “something went wrong” then tried again which locked the account, called them up which was fine and the lady was fine. Then the order went through but, they classed it as fraud and blacked the account yet again! I use this all the time to buy things more expensive than 400 pound. Then tried to call to verify it and the place is now closed!!!! Terrible experience

Argos pay I made a call and staff have spoken to manager agreed to take the interest off that was owing on my account to be paid by 5 th September. Also add the money to my account.As agreed via letter. This will stop any interest showing. . Pls can you take the interest off the account? As I will get more interest if I don’t pay it.
I have nothing to pay agreed now.
I will take this down once the interest is removed off my account. I’m at food bank.

Thanks
Lisa Welch

This company absolute joke. With argos pay. Have to pay ya flexible credit off before u pay your bnpl off. (wtf) it's my money I should be able to spread my payments off when I like. Don't fall into this company's trap. With bnpl. Let's all email into Jeremy vine a bbc radio 2 and get this company to stop what they are doin before alot of ppl get ridiculous amount of interest charges. Argos wake up!!!

Abia astept sa imi inchid contul.aplicatia este un dezastru

Really disappointed with Argos Pay. I tried to make my minimum payment on time, but the Argos Pay app crashed while I was trying to make the payment. Because of the app problem, my payment was made a day late and I’m now being told I’ll have to pay a late charge next time.

It’s extremely frustrating to be charged for being late when I was actually trying to make the payment on time and the app failed. Argos Pay should take responsibility when their own app prevents customers from making a payment. I hope they review this and remove the late charge.

The 'My Argos Card' app was head and shoulders above this argos pay app, they've made everything so much harder than it should. I've got an apple watch on a 6 month credit plan which I've only paid £12 off and the plan ends in October, you can't pay off specific plans, your payments go towards other plans first so you're then left with a massive bill time your plan is at its deadline date which defeats the object of paying with Argos pay. Bring back Argos Card or lose customers, what a ridiculous decision, and don't get me started on actually making a payment, it's all gone so wrong with Argos

I have been attempting to order a new mobile phone (£600+) via the Argos App AND Argos Pay...I have tried all different combinations, using A/Pay first then the Argos main App....all to no avail.
So, i tried my PC, resulting in a similar situation......I can only have this item delivered and want to use BNPL rather than Debit/Credit card....but the system takes the order all the way through the order process...and then kicks my payment back out again.
4 1/2 hours wasted today for what?....Absolute Crap!!! Really NOT happy and am going elsewhere to spend my money...Argos, you no longer deserve it.

Honestly.I dont even know what to say. Argos will lose a lot of customer like me. I used it for years,spent money,but now Im thinking to close my account. The old app was so easy to use. The new one is just as useful as my ex boyfriend. Such same on the person who designed the new app. Just look,how much money Argos will lose. I want the old one back.Absolutly 10000000% rubbish.

Can't use my card for BNPL plans and when you get in touch with Argos they say they don't know anything you have to speak to the company "NewDay" which owns it.

**Title: Very disappointing experience with Argos Pay**

I would give Argos Pay 0 stars if I could.

I used Argos Pay with a Buy Now Pay Later plan and found the whole system extremely confusing and frustrating. Despite making payments, I was later faced with deferred interest charges, and I did not feel that the way the interest was calculated and applied was clear or transparent.

I contacted customer service and raised a formal complaint, but after reviewing my case they simply told me that they had made no error and that the charges were in accordance with their terms.

What I found particularly frustrating was that even after paying the outstanding balance of £251.60 to close the account, I was told that I could still be charged additional interest for the period between my last statement and the date my payment cleared.

The whole process has left me feeling that the system is unnecessarily complicated and designed in a way that makes it very difficult for customers to understand exactly what they need to pay to avoid interest.

I have now paid off the balance and requested that my Argos Pay account be permanently closed. I will not be using Argos Pay again.

Very disappointing experience. I would strongly recommend customers make sure they fully understand the deferred interest terms before using this service.

Unable to allocate payments to BNPL. New Day take the payments off the total amount. I'll end up paying interest on the BNPL when I shouldn't. Tried to buy a shed. Never again! Kept logging me out. Found a shed on Wayfair £300 less and 18 months interest free on Klarna. New Day would charge me £400 interest on that. My Argos card will be going in the bin!!!!

I’m leaving this review on behalf of my mum, as I’m extremely unhappy with the way Argos Pay’s new system appears to be handling her payments.

Since the move to the new system, I honestly feel like customers are being left confused and potentially paying far more than they realise. My mum has some standard credit as well as a Buy Now, Pay Later plan. Her requested payment has been around £16, yet for the last three months we have been paying £90 a month, assuming that the additional money would be reducing the balance on the Buy Now, Pay Later plan.

I checked the account today through the app, only to find that none of the additional payments appear to have been allocated to the Buy Now, Pay Later balance.

What makes this even more frustrating is that Argos' own website states:

“How we apply payments
Your payments will be automatically applied in a way that helps you pay less interest and maintain any plans you have on your account.”

How exactly is this helping customers pay less interest when we have been paying significantly more than the requested monthly payment, only to find that the money hasn't reduced the Buy Now, Pay Later plan as we expected?

Under the old system, we were able to choose where our payments were allocated. The new system appears to have taken that choice away, leaving customers with far less control over where their money is being applied.

From a customer's perspective, this is extremely concerning. It feels like the new system is designed to encourage people into Buy Now, Pay Later plans while making it unnecessarily difficult to understand where additional payments are actually going. Whether that is the intention or not, that is certainly how it feels as a customer.

Argos needs to provide much clearer information about exactly how payments are allocated and why customers can no longer control this themselves. Customers should not have to discover months later that the extra money they've been paying hasn't been reducing the balance they thought it was.

Very disappointing and, frankly, it feels like a system designed to make customers pay more rather than helping them clear what they owe.

Argos pay should be ashamed of themselves have used an argos card for years never had any issues with buy now pay 3 months, 6 months etc the app was very easy to use. Made a purchase in June on argos pay and have been charged interest even though my 3 months term has not come to an end yet. Be very careful and check your accounts, spoke to a woman in CS and i have never been spoken to so rudely before huffing and puffing down the phone. Called back spoke to someone completely different and she solved the issue there and then. As i said make sure you double check your payment plan and that they aren't suddenly charging you fees which you should never be paying !!!

Like numerous others , since the change over , spent hrs trying to register. When finally managed to speak to a human two days later was informed there had been a blip due to the number of people trying to register . Finally paid my last payment today but that took several attempts , very frustrating. Like numerous others I certainly won t be purchasing from Argos again unless they get rid of this awful company

scum pure scum do not get anything with theses scammers they will change your day to pay then say you missed it forcing you to pay bs late fees f this company

Ever since Argos transitioned their card management to Argos Pay (NewDay), the service has become a hidden interest trap. Under the old system, you could choose exactly which BNPL (Buy Now Pay Later) plan or balance to allocate your payments to. This allowed you to chip away at promo balances before they expired.
Now, the new app completely strips away customer control. It forces all payments toward the balance with the highest interest rate first. Because BNPL plans sit at 0% until they expire, the app blocks you from paying them down proactively. You are forced to leave the BNPL balance completely untouched, leaving you with a massive lump sum to pay the moment the promo ends. If you can't clear it all at once on that exact day, you get slapped with backdated interest.
Changing providers should improve functionality, not take away essential consumer features to engineer interest charges. It is incredibly unfair to penalise customers who have the money and the active intent to clear their debts early. Avoid this card unless you want your payments trapped by their rigid, anti-consumer payment hierarchy.

This company is putting people into debt ,I payed off my plan and they still put a £24 interest on me ,without any item being on the statement. They are impossible to get through and will hang up on you if they can’t answer a question.Despicable

wrote previous review re not linking nectar to new argos card and pathetic ai service on website and on twitter facebook.I used to like argos and they were good all round.Since sainsbury threw them under a bus with that new day crap there service plummeted.Anyome who knows newday could have told them .They are mecenaries.Anyhow a rep of argos wrote a reply after i said they were cowards so well done for at least replying. and leaving a name.But please dont trust AI it is just not programmed right and believe me the whole AI bubble will crash soon.It repeatedly lies and gets things wrong a child could do better.And get yourself rid of newday if can and build your good reputation back.You still have alot of goodwill.