The card can only be used in Argos stores to purchase goods of whatever value. Applying for the card is not a hassle at all, as this can be done online, via phone or at the till. There are several payment plans that come with owning the Argos card. For one, the normal plan has a day interest free interest period. Deals available on combined purchase price rather than price per item. Moreover, users are charged the backdated interest for failure to make full purchase price by end of interest period.
BAYV operate in your area! We are redirecting you to their website now. Happy Shopping! Sorry, BAYV don't operate in your area!
Please choose from one of the catalogues below instead. They all offer similar products to BAYV. If you would like to view past statements and details of your interest rates, simply log in or register for Online Account Manager.
If your contact details are not up to date, please let us know. If you have registered for online services, you can do this by logging into your online account servicing and updating them there.
There is a direct link between your interest rates and the Bank of England Base Rate so that the interest rates you pay will always move in line with any changes to the Bank Rate. We will let you know your new rate on the next statement you get following any change. Will you make additional interest rate changes as well as those to reflect changes in Bank of England Base Rate?
We can still make changes to your interest rates for other reasons as we do already. Changes in your interest rates which can increase or decrease can be, for example, because there has been a change in your circumstances.
Other reasons are set out in your agreement. Any promotional rates you have including instalments will not be affected by any Bank Rate changes. These rates will stay the same for the length of the promotional period or instalment plan as long as you continue to make your payments on time and don't go over your credit limit. Only the standard and cash interest rates will move in line with the Bank of England Base Rate.
Your promotional and Purchase Plan rates will remain the same for the amount of time you agreed with us, as long as you continue to pay your balance on time and don't go over your credit limit. The FCA has considered ways in which credit card customers can avoid long term debt.
It has introduced new rules which require us to take steps where customers are in Persistent Debt. This usually happens when you pay only the contractual minimum payment, or an amount close to it, each month. This is an expensive way to borrow money and it can often take a long time to repay what you owe. If you are still in Persistent Debt after 36 months, the FCA expects us to take action to ensure that your balance is repaid in a reasonable period. In certain circumstances we may freeze your card until you increase your repayments.
If you do, we will contact you to let you know and suggest ways that you can increase your payments. If your account is still in Persistent Debt after 36 months we are required to take additional measures to help you pay off your balance in a reasonable period. In certain circumstances we may need to freeze your card until you increase your repayments.
Regularly making payments higher than the contractual minimum payment will help to avoid your account being in Persistent Debt. To help you do this, we have introduced Boosted Payments. This is a variable higher payment which will clear your balance faster and help you save on interest. You can of course make additional payments whenever you choose. You will receive a statement once a month, when there is a transaction on your account.
You should register for Online Account Manager as soon as possible. You can view, print and download your statements and other notices as and when it suits you. You will receive a reminder email each month to let you know that your statement is available which you can download and save at your convenience. You can also view the last six months of statements online. All customers automatically receive eStatements.
You will receive an email notifying you each month when your eStatement is produced. You can view notices by logging on to Online Account Manager. If you have told us that you would prefer to receive paper statements, you will also receive paper notices. The transactions will appear on your statement in the usual way.
Balances on promotional rates will be shown on the back of your statement. Please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers, but will always show those expiring first.
Yes, you will have to make at least the contractual minimum payment as set out in your statement each month. At that point, the balance will be moved to your standard purchase rate and will start accruing interest at the standard purchase balance. You will be made aware of this in advance on your statement. You will pay the standard purchase rate on any remaining balance. This rate is shown on your statement. What happens if I do not make my contractual minimum payment in full and on time or go over my credit limit?
If you do not make at least your contractual minimum payment in full and on time or if you go over your credit limit, your promotional rate will be withdrawn and you will pay the standard purchase rate on any remaining balance. Following changes to the law, from 13 January you can allow an authorised Third Party Provider TPP to have access to your online servicing account.
These TPPs are sometimes known as Account Information Service Providers and offer such services as the ability for you to look at all your bank and credit card accounts through one Mobile App or Website. If you choose to use a TPP, please ensure you understand how their service works, such as how they access your account with us and how they will protect your data. Please be aware that: The terms and conditions of your card will still apply.
We will give the TPP access to your account information only, and in the same way as if you were accessing it directly. For example, they will be able to see your recent transactions and your outstanding balance. The TPP is not permitted to change any of your preferences, direct debit details or any information about you and cannot initiate a payment from your account.
Although you must not, generally, give the security details you use to log-in to our online service to anyone else, you may give them to a TPP if it is necessary to do so. They should agree with you that they will keep these details safe and will only use them for the purpose s you have agreed with them.
We can refuse to allow a TPP to access your account where we are concerned about unauthorised or fraudulent access by that TPP. All TPPs must be authorised or registered with the Financial Conduct Authority or another EEA regulator and so you must check, from the information that the TPP gives you before you use their services, that the TPP is authorised or otherwise permitted by law to provide such services.
If you give your security details to a TPP that is not authorised, we will assume it is you authorising us to give access to your account. If we become aware that an unauthorised third party is using your security details, we will block access to your account. Do I need to consent to you using my information to provide me with payment services?
When you enter into a credit agreement with us, you explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. Please note that this does not affect any rights and obligations you or we have under the General Data Protection Regulation or Data Protection Act and you may withdraw this consent by closing your account.
If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes as set out in our Privacy Policy. Before you can use contactless, you will need to make one chip and PIN transaction, after that you can use contactless wherever contactless is accepted.
Contactless payments are just as secure as chip and PIN. It uses secure encryption technology, just like when you pay by chip and PIN. Sometimes you will be asked to enter your PIN to check that you are the cardholder.
If your card is lost or stolen, you must tell us as soon as possible. For continued security of your account, we will regularly ask you to enter your PIN number after several contactless transactions. When I make a contactless payment can I be charged twice for the same transaction? You can only pay once for any transaction. The terminal will not accept two payments for one purchase - just like using chip and PIN.
If a purchase takes you over your agreed credit limit you may receive an over limit fee. Yes, additional cardholders will also be given a contactless card. We are currently unable to fulfil requests to send you a card that is non-contactless if your existing card has contactless functionality.
You can use your Argos Classic Credit Card overseas but only as a chip and PIN card as the contactless functionality cannot be used abroad. There are a number of possible reasons for your payment not going through. These might relate to your contactless Argos Classic Credit Card, or a terminal not working correctly. Once logged in you can also set up email or text alerts to help you manage your account. To register for Online Account Manager please click here.
If you are already registered, you can sign in here. NewDay Ltd issue and operate both Mastercard and retailer store cards. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number and is also authorised by the Financial Conduct Authority under the Payment Services Regulations Ref no: for the provision of payment services. You can send us a message online by logging into your Online Account Manager. If you are not registered for our online services, you can do so here.
Alternatively, if you are not a Argos Classic Credit Card customer, but wish to contact us online, please click here. Telephone 4 E-mail: complaint. For further information, or to see a full copy of the Standards of Lending Practice, please visit www.
Got it. Frequently Asked Questions. About the Argos Classic Credit Card. Who are NewDay Ltd? Applying for an Argos Classic Credit Card. It should take you around 10 — 15 minutes to apply. How long does it take to get a decision? Can I apply again if I am declined? We would advise that you check your credit report and avoid reapplying for at least six months.
How do you use the information I give you? Credit Searches. Will you carry out a credit search? What is a credit score? How can I check my credit report? Log on to www. You can also call or log on to www. Will applying for a card affect my credit rating? Credit Limit. What is a credit limit? This is the maximum amount of money available to spend on your account. What is a cash limit? How do you decide my credit limit? Can I increase my credit limit?
Can I decrease my credit limit? Can NewDay Ltd change my credit limit? To give you greater control over the way we do this, you can choose one of the following Credit limit preference options; Automatically - We will tell you about credit limit increases and activate them automatically unless you tell us not to Let us know - If we are able to offer you a credit limit increase we will let you know, but you must contact us to accept it No Increases - We won't offer you credit limit increases at any time, unless you change your preference You can change this preference whenever you like by logging into the Online Account Manager or calling Argos Classic Credit Card Services on What happens if I go over my credit limit?
Eligibility check. Will the eligibility check register as a credit search? How long will it take to complete an application? How do NewDay use the information I give them? Why have I been asked further personal questions? Can I use the temporary card online and in store? Can I use the temporary card for multiple purchases? What will my credit limit be on the temporary card? When will my temporary card expire? Apple Pay. Which devices does Apple Pay work with?
Open your Wallet app and drag the card to the front. Is my card information protected? Can I continue to use Apple Pay if I go overlimit or miss a payment? No, if you have gone overlimit or miss a payment your card will not work on Apple Pay. How much can I spend using Apple Pay? What if I lose my device? What if I lose my card? Where can I use Apple Pay? Can I use it abroad? Apple Pay can be used anywhere you see the Apple Pay or Contactless icons around the world.
Can I use Apple Pay to pay in an app? Can additional cardholders add their card to Apple Pay? Yes, additional cardholders can add their card to their Apple Pay.
Google Pay. Which devices does Google Pay work with? Open your Google Pay app and drag the card to the front. Can I continue to use Google Pay if I go over limit or miss a payment?
You can - just enter your Card number and expiry date from your final Argos Card. No - for security reasons, we ask you to register for both separately. Will I need my login details to make purchases or manage my account over the phone? No, never. If anyone contacts you to ask for your login details Login ID, Memorable Word or Security Number for security reasons then do not hand them over. We will never ask you for your login details for myargoscard.
See our advice on Website Security. However, if we do need to contact you we will ask some security questions before we can access your account.
How do I set up a Direct Debit? How quickly is it set up? You can submit a request for a Minimum Payment Direct Debit on myargoscard. This can sometimes take a couple of weeks to set up, so we need you to keep managing your account as normal until you see the Direct Debit details confirmed on your statement.
If it's not on your statement then it's not set up, and if you don't make your payment then you may incur fees and more interest. If you're unsure whether or not the Direct Debit is set up, give us a call.
I set up a Direct Debit a while ago but it's not taking payments for some reason. There's a few reasons why Direct Debits aren't being taken:. How does the Direct Debit work? We have a couple of Direct Debit options for you:. No - the Minimum Payment Direct Debit will repay any payments that you owe each month, so these will consist of Normal Credit balance repayments and any scheduled payments that repay Fixed Payment or Interest Free Plans.
What do I need to set up a Direct Debit? All you need is your bank account number and your sort code. Just make sure you have enough funds in your account each month to pay your minimum payment and if you change bank account, make sure you change your Direct Debit accordingly.
We will tell you on your monthly statement when your direct debit is set up. Please continue to make payments by an alternative method until your direct debit is set up. Can I cancel my Direct Debit? Of course.
You should also cancel this with your bank. Just be careful: If your next payment is due within the next 5 working days, then we might have already requested your Direct Debit payment from your bank. Can I change my Direct Debit details? You can change your bank details here online. For any other changes name, amount, date you'll need to call us. Just a couple of notes if you're thinking about changing your Direct Debit details:. What day is my Direct Debit taken? The funds will leave your account on your payment due date which is shown on your statement.
Can I repay more than my Direct Debit each month? Of course! If you make only the Minimum Payment each month it'll take you longer and cost you more to clear your balance so feel free to repay as much as you want to in addition to your Minimum Payment Direct Debit.
That shouldn't be a problem - you should give us a call, though, and we can run you through the options. We'll take the balance shown on your statement balance if this is less than the Fixed Amount. How can I see if I have a Direct Debit set up?
You can look on your latest statement go to View Statements when you log in or we'll tell you on your Account Summary. If you set up a direct debit up in the past but have not made any payments within 12 months we may need to set this up again. How do I contact you? If your query isn't too urgent you can also log into myargoscard. Please note that during these challenging times, we expect to have fewer colleagues available to take calls.
Please only call us if it is essential, for example if you're going to miss your next payment. Where can I use my Argos Card? You can use your Argos Card in any Argos store, online at argos. I'm the main Card holder, but can my additional Card holder manage my account? No - as the main Card holder, you are solely responsible for managing your account. Your additional Card holder cannot register their Card on either myargoscard. This is for your security - the addition Card holder is using your credit, so if we allowed them to manage your account then they could request new credit limits and affect your credit rating , miss payments, change your address, turn off your statements etc, which is why we urge only the main Card holder to look after the account.
If you require additional support managing your account you can request a letter of authority which we will send through the post for you to complete and return. Once we have received your completed form we will add the details to your account which will allow the person you have nominated to access, change and manage your account in full. Does the Card cost anything? Although there's no charge for having an Argos Card account we may charge:. How do I report a bereavement?
We're here to help if you've recently lost someone close to you. Please take a look at our dedicated help page for more information. How do I close my account? We're sorry that you're considering closing your account.
If you definitely want to close it then give us a call or contact us through myargoscard. Please note - The account won't close until the balance is completely cleared. It can take up to a month to close your account and it might take up to another month for your credit file to update. What do I do if I've lost my Argos Card or had it stolen? How will Brexit affect the services I receive for my Argos Card?
Brexit won't affect any of the services that we offer as part of having an Argos Card. You will have the same experience of using the Card as you always have. How do I update my contact details? You can change your phone number and email address in the App, and you can change your address, phone number and email address on myargoscard.
I've recently changed my name. How do I update my account? You'll need to send us one of the following documents or a copy of the document with a covering letter that includes your account number and address:. Why do you need my contact details? It's critical that we have current contact details for you - occasionally we might need to tell you about critical changes to your account updates to your terms and conditions, changes to APR etc and if we don't have your details then we can't contact you.
Also, if you don't have an email address that you still have access to on your account and you forget your Memorable Word or Security Number you won't be able to log into this website. What browsers will myargoscard. Just remember to keep your software up-to-date - check your browser for updates, make sure your device OS operating system is updated. How secure is this website? When you connect to our website, your session is encrypted.
Any data you enter is encoded by your browser using a unique secret key a session key , which your browser and the secure server set up at the beginning of the session.
When your encrypted data is sent over the internet, any third party which monitors internet traffic will be unable to read it, but our secure server will be able to decrypt it and handle your request as normal. The same encryption also occurs when we display screens back to you. We use Secure Sockets Layer SSL protocol for managing your encrypted session and bit encryption, which is why the latest versions of web browsers are needed to register for and use this service.
You'll also see a padlock symbol somewhere on your browser, which confirms your session is secure padlock positions may vary dependent on your browser - always make sure that one is showing though whenever you are using secure sites. Can I turn off my paper statements and letters? You can turn off your paper statements, and paper letters we occasionally send you, when you log in to myargoscard.
I thought I was paperless so why have I received a paper statement? We need to tell you something important about your account so we've sent a paper statement in addition to your paperless copy to make sure you get it and to remind you to read it. Once you've had a look and resolved the issue we'll turn paper statements off again. You will continue to receive other correspondence and letters via email as usual. What's "Potential Deferred Interest"? How do I see my statements?
Your statements are stored in 'View statements' on the left-hand side when you log in. Open the link and your statements will appear at the top of the page. If you've only recently opened your account then it's possible you may not have a statement yet. When will my latest statement appear online? Your statement will appear online on the same day each month - e.
Why won't my statement open? It could be due to one of these reasons:. Why didn't I get a statement this month? If your account has had a zero balance for a while we don't send you statements anymore.
But if you do have a balance and haven't received a statement then it's possible that it's been delayed in the post. You should receive your statement within 10 days of your statement being printed. If you want to check your statement urgently, you can do it on myargoscard.
What is Persistent Debt? Persistent Debt is where a customer has paid more in interest, fees and charges in an 18 month period, than they have towards paying for the item they originally bought. If you've received a letter or email from us about this issue, then we believe this affects you. If you can, you should try to take action to move your account out of Persistent Debt. We want to help you, so please contact us on if you want to talk about Persistent Debt.
Why is it important that I take action? It's important because if you don't, it'll take you longer to repay the debt and you'll be charged more interest during that period.
If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. You can find some information about how long it will take you to repay your balance, how much interest you might pay and how much you could save by paying more than the minimum each month by visiting cardcosts.
Don't forget to talk to us: If you have a letter or email from us asking you to get in touch to confirm an option to us, or if you need to talk to us about your situation, call us as soon as possible on We monitor the activity on everyone's account each month, so we know when someone's account meets the FCA's definition of Persistent Debt. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action by increasing your monthly payments.
Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. If you've already taken some action and started to increase your payments, that's a great start and will help towards moving your account out of Persistent Debt. We will continue to monitor your account for 18 months after we write to you the first time and we'll let you know during that time how you are progressing.
We'll write to you at the end of that period with details of any further action you may need to take. How much should I pay each month? The amount you need to pay depends on your current situation and how long you have been in Persistent Debt and how much you can afford to pay each month. If we have contacted you for the first time about Persistent Debt on your account, we would suggest paying double the monthly minimum payment shown on the front page of your statement each month.
If you can't pay double the minimum each month, paying any amount more than the minimum will help. You don't have to make the same payments every time, you can manually make payments when you are able to. If you've been in Persistent Debt for a while and you have received a letter from us which talks about confirming an option to us, click here to see how to work out your increased minimum payment.
How you pay is entirely up to you and all of the ways to pay are listed on the back of your statement, which include:.
If we sent you a letter asking you to choose an option and you chose to make increased monthly payments, remember to make sure that you're paying your increased monthly payment amount. Have I done anything wrong if I receive a letter about Persistent Debt? No, you haven't done anything wrong. We simply need to warn you that if you continue to pay the minimum, you'd owe the debt over a longer period and be charged more interest during that time.
Please also bear in mind that if your account remains in Persistent Debt, we may need to take other actions, such as suspending on your account from further spending, to help protect you from getting into further debt. I don't think I'm in Persistent Debt. Why does the letter say I am? We monitor the activity on everyone's account each month so we know when someone's account meets the FCA's definition of Persistent Debt.
If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action. Can't you just increase my minimum payment? No, we can't change your minimum payment without changing your agreement with us. It's also a choice you need to make, to increase your payments and resolve this situation or not. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can.
You're not tied in to paying a higher amount all the time. What happens if I am unable to increase my payments? Under the new rules, you have 18 months from receiving the first letter to move your account out of Persistent Debt.
If you're still in Persistent Debt after this time, we'll write to you again to tell you what further action we may have to take, including suspending your Argos Card from further spending. Can I pay off my Argos Card balance faster?
Yes, of course you can. Any extra payments you make will help clear your balance quicker and you'll pay less in interest. Can I keep using my Argos Card?
As long as your account is open, you haven't spent all of your credit limit and your account is not suspended, you can carry on using it. Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. If you have been in Persistent Debt for 18 months and we will send you a letter or email asking you to choose from some options.
To be able to carry on using your Argos Card you must call to let us know what option you have chosen. Some of the options may mean that we need to suspend your card to help you to start clearing your balance.
If you don't respond to this communication, your account will be suspended and you won't be able to keep using your Argos Card. This is because rules from the Financial Conduct Authority mean that we need to take steps to help you repay your balance more quickly and pay less interest. What happens if I spend more?
If your account isn't suspended and you make further purchases on your Argos Card, you should be aware that your repayments will increase too. The more you've spent, the higher your balance will be, and the more you will need to increase your repayments to clear your balance within a reasonable period. Does Persistent Debt affect my credit score? Your payment history will show on your credit file and can affect your credit score. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit.
However, there's no direct link between your credit score and your account being in Persistent Debt. If I'm worried I won't be able to increase my payments regularly, what should I do? In order to move out of Persistent Debt, you should pay what you can afford to, as often as you can.
We're suggesting you pay at least double your minimum payment each month but if you can't afford that, you should pay you minimum payment and as much more as you can each month. If you have any difficulties making your payments please contact us on as soon as you can so we can help you. I'm in arrears or have a repayment arrangement, do I need to pay more? If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment.
Please keep to the arrangement you have made. Once your arrangement has ended, please call us on so we can then discuss your Persistent Debt repayment options with you. If you want to discuss a repayment arrangement, please call to speak to a specially trained advisor. I've received a letter from you that says my account could be suspended. What does this mean? If your Argos Card account is suspended, it means that you won't be able to use your card to buy anything new.
This is so that we can help you to start repaying your balance more quickly and pay less interest. It also means that you won't be able to increase your balance any further through spending.
You can contact us on about your options at any time. If you can confirm that you're able to increase your monthly payments or repay your balance in full, we will be able to remove the suspension on your account.
I've received a letter from you asking me to choose from some options.
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