Argos Credit Card Bewertungen 

Terrible since newday took over and made it Argos pay , complicated Payment system and now to pay with debit card you have to enter payment go to next then cancel before you see the option to pay with card ridiculous,and then 9 times out of 10 you get to the section 3 digit security code and it won't let you enter it , log out log back in 5 times same problems who ever designed this payment system need to look again for a start it's not rocket science to put pay with card option on the first page is it ?? that would help

I’m extremely disappointed with Argos and Argos Pay. I have an available credit limit of £1,680, yet for a £400 purchase, I’m not offered the 6-month payment option. Instead, I’m presented with long-term options such as 36 or 48 months, which could cost significantly more in interest.

It feels like Argos is taking advantage of customers by pushing long-term credit options that can leave people paying far more than the original price. Why make shorter payment options unavailable while offering credit that could double the cost of a purchase?

This is frustrating, unfair and disappointing. Argos needs to be more transparent and offer customers fairer payment choices instead of making them feel they are being taken advantage

I have had a Argos card since 2007 and never had any problems up until this year when Newday took over the finance. I mainly use the card for buy now pay later and have never missed any payments when i do use normal credit (always pay at least 5-10 times the amount requested on these) but now Newday are calling this persistent debt and have put me onto a paydown plan even though at present i only have one buy now pay later on my account and this isn't due to complete payments towards it for another 2 month. As a result of the paydown plan Newday won’t allow me to choose the option of buy now pay later purchases anymore only the option of normal interest incurring credit. I contacted customer service who also couldn’t understand why when i had been paying so much more than requested. But said she was unable to change it once it was put on. Also Since taking over ive noticed on there app Newday determines what plans to allocate my payments towards. Obviously Favouring the buy-now-pay-later with months left over the normal credit allowing this accumulate interest. Previously there was the option to choose what you wanted to make payments towards. I belive this is a Big mistake on Argos’s part bu choosing Newday as their credit provider. I wont be using Argos card again and without the interest free offers Argos’s overinflated prices aren't as appealing. If i want pay later in future ill just use klarna or paypal but more than likely at cheaper retailers like Amazon and get home delivery in few hours. By the looks of the recent reviews there is many people now dissatisfied with the service since this change

I bought a fridge freezer on 12 month payment that I believed to be interest free. I have been paying extra money to get it paid up on the payment plan but it goes onto my account not on that particular item. I will not have paid of the full amount on account by the time the 12 months is up so it will be high interest. When Argos payments you could pay amounts on each payment plan. Now it’s Argos pay it’s a mess. I would have never bought fridge freezer on Argos pay if I had known going to have this problem. Don’t like this Argos pay it seems a scam

Avoid this credit provider at all costs. The 'deferred interest' is extortionate - and is NEVER frozen, even if you are on a Debt Management Plan. They are basically legal loan sharks. AVOID.

The new argos pay is awful! I never had much left to pay of my BNPL when the change happened thankfully!
But I was paying small amount weekly to lower the bill before it can to an end, when paying via the app it asked do u want to save the payee details I said yes so that I could just do a faster payment via my bank... well when I did use the payee details that the argos pay saved to my bank my payment got lost! So how is the app giving me wrong banking details! Had to call up bank to see where my payment had gone etc wasting my time! Don't think I will be using the card again will have to use klarna or something! Bring back the old argos card! No to argos pay!!!

Got charged interest 😌 for having not been notified like the last app. Seems as if argos doesn't mind losing loyal customers 😕 🤔. I'll take my money elsewhere. Prefered the old app, so much easier to apply payments and not get charged 😑 🙄

Regulated trap designed to force you into paying interest
Since Argos transitioned their card management over to NewDay, it feels less like a retail finance service and more like a deliberate interest trap.
When the changeover happened, my previous fixed Direct Debit was cancelled without any warning or notification. Because I wasn't advised, I unknowingly missed three months of payments. After raising a complaint about this total lack of communication, NewDay offered me a token £25 compensation, which barely scratches the surface of the stress caused.
To make matters worse, the app physically allows you to select and set up a fixed-amount Direct Debit. Yet, when the due date arrived, absolutely no money was taken. When I called customer service, they casually informed me that fixed Direct Debits cannot be used on Buy Now Pay Later (BNPL) plans.
If the app lets you set it up, but their backend systems silently block it from executing, it is a blatant, anti-consumer tactic. By quietly halting your automated payments, they ensure you hit your promotional expiry date with a massive remaining balance, forcing you to pay extortionate deferred interest.
Avoid NewDay and Argos Pay. It is an absolute nightmare to manage, completely lacks transparency, and feels rigged to make you fail.

Keep paying minimum payments account will say I've got added a certain amount back to my account then within a week it goes back down drastically all debts were from when it was argos card now this new company jus taking what they want once accounts payed will be closing it down for good fraser plus is so much better consitant payments you know what your paying and how long it will take u to pay even with interest its still manageable unlike argos I've been buying from them for many years now this argos pay cr*p has come along it feels like they jus want to keep u paying monthly payments of ridiculous amounts of interest dog sh*t company if id of known argos was going to sell it to them I would never have got the card years ago and by the other reviews Im not alone argos pay will kill argos for sure

An absolute terrible company Argos became, I'm so glad they lost so many customers. The proccess to login it's so terrible and if you need to reset your pass code your account gets blocked because you couldn't respond to the question of what was the last payment 5 years ago 😂😂. Anyways way more easier options on the market, I don't need anymore this hassle of ArgosPay.

Can no longer choose which item to pay for, I recently received a refund for a payment and they are now charging me interest

I have stopped using Argos pay, I go a new phone and I was locked out of the Apps. There's too many security passwords and numbers for the account to remember you have to look through all your emails with all the account numbers, it's really time consuming. I went into a store and no one would help me. I was told to call. Then on the phone it's asking lots of options and security questions it can take ages to get through to speak to anybody. Then when you do, call the customer service team is in Nigeria or India or Pakistan and they can't help. I am now blocked from my apps. I have been a customer for years and i never have any problems paying my bills. It was better the way it was, not this new finance company and the old Apps was better too and being able to speak to customer service in the UK it was annoying trying to get through but once you did get through they were really helpful now it's absolutely rubbish! I usually use it for all my Halloween decorations and get all my Christmas presents and I wanted to get my son's new iPhone 18. Instead I went through creations app with the Apple store to pay off. Argos is lossing all it's customers, due to Argos pay.

Would not recommend in my experience staff are rude and horrible will shout and you repeatedly and answer yes or no questions with irrelevant info spent nealry 20 mins on a call when my question was is tgere anyway to dispute a late fee I have also been charged late fees on multiple occasions when they tried to take the money out before the agreed upon date also tried to contact them about weird amounts showing up on bills will no explanation on why am being charged extra on top of my late fees and due bill told me this is normal but when I asked for it in writing so I could show citizens advice was told no

Unable to use

Won't connect to my bank to pay and cant pay by card, old app used to be ok but this is just unusable

Like all governments corruption at the highest level.
Offer interest free plans but at checkout these aren't available so they push you towards the flexi pay option with high interest rates. W**k**s.
Customer service say its only promotional so not always offered yet it's advertisied everywhere as standard.

Argos need to dump these jokers.

Absolute rubbish now. Gone are the Buy Now Pay Later no interest plans, and now the only option is to spread the cost of larger purchases paying full interest m. Very predatory, im extremely disappointed and will not be using Argos anymore going forward. I was so happy with my old Argos card, never missed a payment never paid a dime in interest, now it’s just a useless service, hope you reverse this stupid policy before you go completely out of business for taking your customers for granted.

Worst app ever!! The scamming little thieves basically made this app to get people in financial difficulties! Before you could choose which payment to add too and pay of first, that's not the case anymore as scam artists ARGOS now makes that decision for you and allocates your payment to one they choose, absolutely diabolical this app is since the creeps NEWDAY have taken over! Been an Argos customer for years! But will not be using them anymore!

Absolute garbage. I couldn't even make a payment. £700 pending from Argos pay to Argos shop for a week. Argos pay is telling me to contact Argos and Argos is telling me contact Argos pay.

Argos Pay is rubbish.I have used Argos payment card for years ,it was simple to use, clear and easy. This Argos pay is confusing,and a lot of messing to make a payment.Argos will lose a lot of custom, as soon as my credit is paid off ,I will not be buying from Argos again.Its an awful app,

STAY AWAY, DO NOT USE.

I have used Argos BNPL credit for over 7 years. I have never had an issue with them, until now.

They have recently moved or sold Argos pay to a different provider and their practices are predatory.

I have 2 pre existing BNPL plans on my account for £300. One is due next month. I have been paying a lot of money into my account and coudln't see the overal amount reducing, but my new money plan is.

I have contacted customer service, which took me 20 mintues to get past the AI bot to speak with a human who speaks in riddles.

This human agent advised me that I can't actually make any payments to my up plan that is ending, and that all payments will be made to my monthly instalment plan instead and that i need to have the £400 on the day my plan ends to make a bulk payment instead, which will incur intrest as it takes a week for the payment to process to Argos.

Previously, I use to be able to apply different funds to different plans on different dates and the payment would leave my account same day. Customer service use to be very clear and easy to contact and helpful.

I am now in a situation where I am over paying on a 12 month installment plan, in the hopes i can pay that full years amount off in under a month so i dont incur intrast for my BNPL WHICH my payments should be automically applied to as its consider the priority.

Thr new model is incredibly predatory and is made to keep you in debt with them.

As a customer of 7 years, I will be paying everything off as quickly as possible and closing the account.