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Frequently Asked Questions



How do I register to manage my account online?

It's really very easy. You’ll need your Argos Card and either your statement or the carrier that the card arrived on. We’ll ask you a few bits of information on your date of birth and postcode where you live but this will only take a few minutes at most to complete. For your security, we ask you to create a number of new codes which you should not disclose to anyone.

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How long does it take to register?

It usually only takes a couple of minutes to complete.

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What information will I need to have to hand?

Your Argos Card number, expiry date and credit limit is all you will need. You will also need to know your date of birth, postcode and current credit limit. Once you have completed the security questions you willhave to set up some ID codes that only you will know and finally we will need a live email address from you.

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Are there any terms and conditions for paperless statements?

There are a few terms and conditions we ask you to be aware of prior to selecting paperless statements:

- By asking us to stop sending you paper statements, you agree that we will no longer issue monthly paper statements on your accounts(s) and that you will be bound by [these] terms and conditions.

- Paper statements can be stopped (and re-started) by changing your personal preferences online.  You can do this by registering at www.myargoscard.co.uk. In addition to this, you may direct us to restart paper statements by calling card services on the number on the reverse of your card.

- Online statements will be available for viewing within 48 hours of your monthly statement cycle.  We will tell you when your monthly statement is available online using your registered details (as supplied by you). We are not responsible for ensuring that any such notification is received or read by you.

- Paper statements can be turned back on by us at any time and without notice according to your account status or our system availability.  If this happens, we will endeavour to switch them back off as soon as practicable and without notice (for instance when your account is in good order or system functionality is restored).  At no time will statements (either online or paper based) not be available to you. 

- By opting out of paper statements, you agree to us communicating important account to you via email or online channels according to our privacy policy.  You may still receive some essential account communication from us in paper form.

 

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Can I see statements online?

Yes you can view recent statements online at the 'View statements' page from the account summary screen. You can also go paperless.

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Can I stop my paper statements and view my statements online?

Yes you can.  Simply go to the Change Preferences page from the Account Summary screen and change your personal settings. Please allow some time for your next statement to appear online as there may be some crossover between your paper and online statement being available.

Please note that once you’ve opted out of receiving paper statements you will need to check back at www.myargoscard.co.uk to view your statement online. We will email you every month to let you know when you’re statement is ready to view.

We reserve the right to stop online statements at anytime.  Should we do this, you will begin receive paper statements automatically.

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How does Verified by Visa and MasterCard SecureCode help me?

Verified by Visa and MasterCard SecureCode

What is it?

myArgosCard.co.uk participates in Verified by Visa and MasterCard SecureCode for added online payment security. These services are offered by Visa and MasterCard, in association with the bank that has issued your credit / debit card. It is aimed at protecting your details when shopping online by ensuring your card is not being used by someone else and is becoming a standard across all shopping websites.

What will I see?

If your card qualifies and you haven’t yet registered, simply follow the onscreen instructions. This process will create an online code (different to your card PIN – an online PIN equivalent) for use on myargoscard.co.uk and other participating websites. This is a completely secure process. The information you provide is completely private, will only be visible to you and your card issuer, and would never be shared with other parties. If you're unsure about this new service, you may be able to complete your payment without registering but your card issuer will eventually require you to register.

Having difficulty

If you would like to learn more about these services or have any difficulty with this process, please contact your card issuer who should be able to assist you.

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I've got a query regarding my online statement. What should I do?

You can email your Argos Card customer Service team. To do this simply go to the Contact Us page from the Account Summary page.

If you have an urgent query regarding your statement, please call Argos Card Customer Services on 03456 400 700.

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Once registered, can I change my security details?

Yes, you can do this securely online at anytime through our 'Update details' section.

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What if i cannot see my online statement?

It may be that your online statement hasn’t been produced yet.  New statements will be produced on (or around) the day in the month from your previous statements, please check back online after this date and we will email you every month to let you know when you’re statement is ready to view.

Please note that you will need to download Acrobat Reader in order to view your statements (you can do this here).

We also reserve the right to stop online statements at anytime (usually because of the way an account is being managed).  Should we do this, you will begin to receive paper statements automatically.

If you have any other queries regarding your statement, please call Argos Card Customer Services on 03456 400 700.

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Why do I need to update my personal details including email address?

TypYou can email your query to our Argos Card Customer Service team.  To do this simply go to the Contact Us page from the Account Summary.

If you have an urgent query regarding your statement, please call Argos Card Customer Services on 03456 400 700.

Why do I need to update my personal details including email address?

By checking and updating your email address, it will allow us to notify you of important information about your account.

Please note that it is your responsibility to ensure that your personal details including email address are up to date.

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What should I do if I have forgotten my logon or security details?

You can reset these online or if you prefer call us on 03456 400 700†.

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Why has my account been blocked?

For security reasons, if you have made 3 or more unsuccessful attempts to log on, we will block access to your account until seurity details have been verified and reset. You can do this easily by calling Argos Card Customer Services on 03456 400 700†

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Can I arrange a Direct Debit online?

Yes you can. We offer two options.

You can choose to pay the minimum payment by Direct Debit, protecting yourself from the chance of missing a payment (which can show on your credit history!). It's easy to set up a Direct Debit online, all you need to do is click on the Direct Debit link in the 'Ways to pay' section.

The other option is to pay the full balance off each month. Please note that a Direct Debit for the full balance cannot be set up online.  If you require this service, please call Argos Card Customer Services on 03456 400 700†.

Choosing to pay the full balance each month means that any BUY NOW PAY LATER plan will be paid off immediately. Most of the time, customers want to enjoy the PAY LATER period before paying anything off , so we usually want to make sure customers understand that there won't be a PAY LATER period if you select the full balance Direct Debit option.

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Can I cancel a Direct Debit online?

Yes you can. This is located through the 'Cancel Direct Debit' link in the 'Ways to pay' section. You may also wish to contact your bank to cancel the instruction with them.

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What should I do if my card is lost or stolen?

Let us know immediately by calling the Call Centre on 03456 400 700†.

If your Argos Card is lost, stolen or misused by someone without your permission, you may have to pay up to £50 of the loss to us. If it is misused with your permission you will probably be liable for ALL losses.You will not be liable to us for losses which take place after you have told us about the theft, etc as long as you confirm this in writing within seven days.

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What if I’ve got a query which isn’t answered here?

We've tried to answer most of our frequently asked questions here, but you can always call the Argos Card Customer Services on 03456 400 700†

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How can I find out my balance?

You can log onto this site and check your latest balance and transactions on the 'View account' page in the 'Your account' section.  Here you can also see minimum payment required, available credit and your transactions.

You can go paperless and receive your statements online by going to the 'Change preferences' page to update your details.

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How secure is this site?

Payments made using our online account service are very secure. When you connect to the system, your session is encrypted. Any data you type in 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 128 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 in the bottom right hand corner of your screen, which confirms your session is secure (padlock positions may vary dependant on your browser).

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How can I manage my account online?

Once registered, you can check out your latest purchases and balance, you can also go paperless and view your statements online.

You can also set up minimum payment Direct Debits and additional cardholders as well as protecting your purchases, payments and cards with our popular insurance services.

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I have a question about my Coversafe policy.

If you're an existing policy holder and you have a query or a claim, just call 0344 801 2174.

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Can I see past statements?

We are working on bringing you all your previous statements online, but for the moment we have listed your past transactions on the ‘Account summary’ page. The summary table shows your transactions from the most recent to the oldest. To view this list from your oldest to the most recent transactions, simply click on the ‘Transaction date’ at the top of the table.

If you have any queries regarding past statements, please call Argos Card Customer Services on 03456 400 700†

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Can I make payments?

Yes you can make payments – anything from your minimum payment right up to the total balance. Any payments of more than the minimum balance will be allocated to the plans that will minimise the interest you could be liable to pay.

To make an online payment, simply go to the 'Card payment' page in the 'Ways to pay' section.

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Can I make payments with my credit card?

Sorry, we can only accept debit card payments for the Argos Card.

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What will happen if I can’t pay my bills?

Debt can become a problem for all sorts of reasons, usually things get back to normal but sometimes the situation can get progressively worse and positive action is required – the remedies are often simple.

We believe in doing the right thing in business; when it comes to lending, that means acting responsibly and treating our customers fairly.

When a customer tells us that they are experiencing financial difficulties we will review their account and circumstances to identify if there are ways in which we can support them, including, in appropriate cases:

  • Agreeing an arrangement for repaying which takes into account the customer’s other financial commitments.
  • Suspending interest and charges.
  • Working with third parties such as StepChange Debt Charity and Citizens Advice.

If you have found yourself in financial difficulties, try contacting one of the following organisations:

Money Advice Group, one of the UK’s leading providers of debt solutions, who offer debt advice with no obligation. All advice is confidential and based on your individual circumstances.

They can be contacted on 0800 012 6458, or you may find it cheaper to call 0161 776 6470 if using a mobile. Alternatively, visit Money Advice Group for more information.

StepChange Debt Charity, a registered charity offering free debt help to anyone in the UK.

For an online debt advice session use StepChange Debt Remedy, or alternatively to speak to a StepChange debt advisor call 0800 138 1111.

Contacting our collections department

Argos Card Services
Units 1-12 Futura Park
Aspinall Way
Middlebrook, Horwich
Bolton BL6 6PG

Telephone number 03456 400 703

Opening hours:

  • Monday – Friday 08:00 – 20:00
  • Saturday 09:00 – 20:00
  • Sunday Closed

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Will the security number I enter on this site be needed when I make purchases?

The security number you enter to log into myArgosCard.co.uk is only to access your online account.  You won't need this to buy anything in Argos stores, argos.co.uk or Argos Direct.

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Can I ask to change my credit limit online?

You can send us a request to change your credit limit through the 'Request new credit limit' page in the 'Your account' section.

Please note that for a variety of reasons, we may not always be able to accommodate credit limit increase requests. Of course you can also ask us to reduce your credit limit, if you feel it's too much.

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How will I know if my payment has gone through to the right credit plans?

You can log onto your Argos Card account and see where the payments have been allocated by our automatic system. This system is designed to allocate payments to reduce the interest you might be paying or due to pay.

You will also receive a payment authorisation code to match against any payment you have made.

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Why can’t I see purchases on my account yet?

It is normal for purchases to take a few days before appearing on your online account summary. In the meantime, if you have any queries regarding your purchases please call Argos Card Customer Services on 03456 400 700†

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How do I make a complaint?

If you wish to make a complaint you can do so by making contact through any of the channels listed here.

Telephone : 03456 400 700
Email: CustomerCare@homeretailgroup.com
Write to us at:  Home Retail Group Card Services Limited, Thynne Street, Bolton, BL11 1AS

We will aim to resolve your complaint within 3 working days, where we are unable to do so we will keep you informed of the progress of your complaint until we have resolved it.

If we are unable to resolve your complaint, internally, to your satisfaction, you may be able to refer it to the Financial Ombudsman Service by writing to them at Exchange Tower, London, E14 9SR, calling 0300 123 9123 or emailing complaint.info@financial-ombudsman.org.uk. If you require any further information you can visit their website www.financial-ombudsman.org.uk

Alternatively you can register a complaint through the European Union’s Online Dispute Resolution portal here; http://ec.europa.eu/consumers/odr/

There is certain criteria that must be satisfied for your complaint to be resolved through the Online Dispute Resolution portal.

If you are complaining about any Argos credit or insurance products then we will not consent to the Financial Ombudsman Service (Alternative Dispute Resolution entity for Financial Services complaints) dealing with the complaint if we have not first had an opportunity to resolve it for you.
For more information about Online Dispute Resolution please visit: http://ec.europa.eu/consumers/solving_consumer_disputes/non-judicial_redress/adr-odr/index_en.htm

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†Call charges will apply. Please check with your service provider.