How do I update my account? 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. (Please ensure that you provide all of your details relevant to your Argos Card account). If you've received a letter or email from us about this issue, then we believe this affects you. I made a payment to a plan but the payment has gone towards a different plan. The Argos Credit Card Online Account Manager lets you manage everything to do with your account in one place - from paying your balance to updating your details. The amount you owe and the payment due date are shown in your statement each month as well as on your account summary on myargoscard.co.uk and in the My Argos Card App. All in all made my move less stressful and so much easier. How might the proposed Royal Mail strike affect my Argos Card? Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? If you're on a PC or Mac you need a PDF reader to open statements (Adobe Reader is the most popular software for opening PDFs but there are others available). Your Login ID is the unique username you chose when you registered for myargoscard.co.uk (it's a bit like a username). if you have a 500 credit limit but want to increase it by 200, then enter 700 as your new limit), then tell us why you want the new limit and whether you want to be considered for automatic credit limit increases in the future then press 'Change credit limit'. 489-499 Avebury Boulevard. We will also try to make sure that we fix the root cause of problems so that we dont make similar mistakes again. You can - if you want to use your own bank to make a payment here's what you need. Paying by HIGH STREET BANK, BUILDING SOCIETY or POST OFFICE Please allow 5 working days for payments to reach your account. The credit card charge ARGOS RETAIL GROUP INTERNET GB was first recorded on April 05, 2015. It may take 24 hours for your current account to appear. The Annual Percentage Rate (APR) is the total cost of having an Argos Card, expressed as an annual percentage of the total amount of credit. How is interest calculated on Buy Now Pay Later plans? Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. Please note - The account won't close until the balance is completely cleared. Check the back of your latest statement for all the ways that you can make a payment. How do I get past it? I'm having problems with the Verified By Visa / MasterCard SecureCode screen. Why is that? due by 15 February 2023, 47190 - Other retail sale in non-specialised stores, 47540 - Retail sale of electrical household appliances in specialised stores, 47599 - Retail of furniture, lighting, and similar (not musical instruments or scores) in specialised store, Companies House does not verify the accuracy of the information filed, 13 Nov 1972 - Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? 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. How do we apply your payments? We'll send you codes by email and text. 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. In exceptional circumstances, particularly where your complaint is complex, it may take over eight weeks to resolve matters for you. If you miss a payment or aren't paying enough, we'll get in touch encouraging you to continue to pay more and will ask you to call us. Can't you just increase my minimum payment? We like to remind customers of this to help them avoid their account entering Persistent Debt, which happens when they've paid more in interest, fees and charges than they have towards their original purchase. You've rejected analytics cookies. When will my latest statement appear online? When you connect to our website, your session is encrypted. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. 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: Send your documents to: Argos Financial Services, PO Box 211, Park Mill, Huddersfield, HD8 1FA. How do I know my online order has actually gone through? Bank Statement Templates. 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. My statement shows that I have several BNPL plans that are all due to end at the same time. Have I done anything wrong if I receive a letter about Persistent Debt? FONT-SIZE: 14px; OVERFLOW: hidden; BORDER-TOP: black 1px solid; FONT-FAMILY: Arial, sans-serif; BORDER-RIGHT: black 1px solid; BORDER-BOTTOM: black 1px solid; WORD-BREAK: normal; PADDING-BOTTOM: 10px; PADDING-TOP: 10px; PADDING-LEFT: 5px; BORDER-LEFT: black 1px solid; PADDING-RIGHT: 5px I've recently changed my name. What's Normal Credit? After gaining an understanding of your organization . I've forgotten my login details. .tg TH { Make sure you're entering your most up-to-date Argos Card - if you have received a new Argos Card recently, you'll need to enter the details for that Card. Why does the letter say I am? Argos Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (713206) and works exclusively with the lender, Home Retail Group Card Services Limited . Visit their website. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. No, you haven't done anything wrong. Argos Limited is an active company incorporated on 13 November 1972 with the registered office located in Milton Keynes, Buckinghamshire. Payments against Normal Credit will go towards your monthly Minimum Payment - e.g. 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. When you've cleared your balance, we will then close your account. I thought I was paperless so why have I received a paper statement? All you need is your bank account number and your sort code. If you can afford to pay off all the plans then you may want to consider clearing the balances. So next time you buy something in-store, just ask for one and you'll never lose your receipt again. It shouldn't take more than a minute or two. I've forgotten my details. How do I get past it? If you want to change your payment due date, give us a call and ask. leave out the first number, which is 6. When will my latest statement appear online? You will have the same experience of using the Card as you always have. Coming here to MyArgosCard.co.uk, or downloading and registering for the My Argos Card App, where you can manage your account and make payments, Calling our automated payment system on 03456 400 700. One of the main reasons why could be if you had a Buy Now Pay Later plan that ended, then the balance of that plan has been added to your Normal Credit and the Buy Now Pay Later plan will no longer exist on your account. We'd also like to use analytics cookies so we can understand how you use our services and to make improvements. Why is logging in so difficult? Cement Grinding Facilities. } We want to resolve your complaint straightaway and were often able to do this on your first contact with us. This does not prevent you from settling your balance early should you wish to. What should I do? Remember: If you continuously only make the minimum monthly contractual payment every month, it will take you longer and cost you more to clear your balance. Argos Ltd. Argos Limited retails online products. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. Innovation; Innovation; Argos Innovation Center; Projects; National help line and fax; USA: 1(888)567 66 29 Colombia: 01 8000 522021 How secure is this website? Increasing your monthly payment means that you'll be paying less in interest, fees and charges, and you'll be repaying your balance faster. Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? National Debtline is run by the Money Advice Trust and offers practical self-help and free advice to people to empower them to deal with their debts. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance. If you have the My Argos Card App or an online account, please use these services to view your statement or to make a payment. The chain sells more than 60,000 products, including top brands like Bose, Beats, Dyson, LEGO, Nespresso and Samsung, and exclusive lines like Chad . Any remaining balance will be moved onto a Normal Credit plan and you will then be asked to pay at least the minimum monthly payment until your balance is paid off. Why can't I change my credit limit? The Potential Deferred Interest will be shown as soon as your plan appears on your Statement. Can I register again? Why do you need my contact details? If you're on an Android device, make sure you have a suitable app for opening PDFs. However, if you feel we havent achieved this, we have clear and simple procedures in place to make sure we handle your case fairly, sensitively and in line with requirements set by the Financial Conduct Authority. The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. Will I need my login details to make purchases or manage my account over the phone? If someone misses several minimum payments in a row then they're in breach of their credit agreement, and we have to end all of the plans and ask for repayment on everything, so all of the plans are added to Normal Credit. Find out more about Persistent Debt here. You'll automatically receive these text messages if we have an up to date mobile number for you on our system. If the mastercard or else, argos ltd re save on bank statement each month before. Touch device users, explore by touch or with swipe gestures. If you need to send your payment in the post, please allow extra time for this to reach us. Instead, you could choose to spread the cost further. I've sent a text to opt out of the interest rate increase, but I haven't had a response. Can I register again? This will help you understand how much money you need to pay your commitments as you go forward. Cement Ports. Our Management / Governance. Double check the message you've sent to make sure it matches the instructions we've given you, as the system we use can't register your request properly if there's things like spelling mistakes or if you've typed the wrong number. What do I do if I'm struggling to pay my bills? Cement Terminals. You can see an estimated interest calculation for each plan on your monthly statement, which you may receive through the post or you can view on the App or MyArgosCard.co.uk. If so, please share below! How will Brexit affect the services I receive for my Argos Card? 3 months). Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. Of course! How is interest calculated on Buy Now Pay Later plans? Your statements are stored in 'View statements' on the left-hand side when you log in. It's also a choice you need to make, to increase your payments and resolve this situation or not. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. Can I pay off my Argos Card balance faster? If you see a strange transaction on your statement, dont panic but do let us know about it as soon as possible, so we can check its not fraudulent. How do I make a payment? We are committed to resolving your complaint to your satisfaction and hope that together we can reach an agreement. How will increasing the interest rate impact the way my account works? Write to us: You can write to us at Home Retail Group Card Services Ltd, PO Box 211, Park Mill, Huddersfield, HD8 1FA. If you want to make a payment to a specific Buy Now, Pay Later plan then you'll need to use myargoscard.co.uk or the My Argos Card App. We call this Deferred Interest and this will also be added to your Normal Credit with the remaining Plan balance (see 'How Deferred Interest is included as part of your Minimum Payment?'). Your credit limit and remaining balance can be found on your statement, on the App or by logging into this website. You can't register the Argos Credit Card (the black Visa credit card) on this website, only the Argos Card. 30), Divide this by the number of months that your Plan ran for (e.g. No - as the main Card holder, you are solely responsible for managing your account. What happens if I am unable to increase my payments? Were sorry to hear youre having issues with your Argos Card. We use cookies to make our services work and collect analytics information. You should also cancel this with your bank. On google universal analytics and more, argos ltd re save on bank statement you give any cashback? 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. Your statement will appear online on the same day each month - e.g. So we can reach an agreement - as the main Card holder, are. 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