Argos Credit Card Recenzje 

If I could give 0 I would. Absolutely HATE the change to Argos pay.

I’ve been a loyal Argos customer for years and used their credit service during lockdown. I was pleased with the service and the manageable monthly repayments. However, a few months ago they switched lenders to New Day Payments and rebranded as Argos Pay. This was one of the worst experiences I’ve had with a credit or store card company. I received aggressive language via post email and chase calls. I’ve never been late on my payments but had used half my credit limit. They demanded the full limit back within a set timeframe. I was unable to change my payment date after the takeover from my previous lender.

I paid off everything, closed the account and won’t be using my card or Argos for purchases anymore. Klarna seems like a much better solution.

Argos Pay!!!!
Round and round in circles for hours.
I am now not going to buy this expensive laptop from Argos

What's happened to Argos they were top now they rob you don't care treet you like muck there interest rates are beyond belief and letting a set of robbers called Argos pay take over is disgusting I hope and pray they go bankrupt disgusting

New Day have completely ruined what was an incentive to shop with Argos. No BNPL available and higher APR than most credit cards. Utter rubbish, will be closing this account.

I have been a loyal Argos Card customer for years with zero issues—the original card was straightforward, reliable, and easy to use. Ever since they transitioned the card over to NewDay, it has been an absolute nightmare.

Setting up the new app was a huge hassle, full of technical glitches and frustration. Trying to actually pay off my Buy Now Pay Later (BNPL) agreement felt nearly impossible and created far more stress than a basic financial account ever should. It is completely unfit for purpose.

Now that I have finally managed to clear my payment, I am cancelling this card for good. Due to this terrible experience, I will never be buying anything from Argos again. Save yourself the headache and steer clear!

Had Argos card for years and loved it. Now changed providers and it is a total shambles. You have little or no control which plan your payments get assigned too. Tried to pay it off with credit card but won’t allow that so took out a small loan to get rid of it. No more Argos for me another loyal customer theve lost

Newday taken over kepp adding charges now a default summary even though a direct debit set up and numerous calls to them how can I make a complaint or preferably take them to court

Over the years spent thousands for home white good etc , Argos Pay diabolical , goodbye Argos , you will lose hundreds probably thousands of customer's now ! Avoid .

I rang to pay off a bnpl balance. The woman assured me it would clear that balance and not be taken off the main balance. After payment of £269 went through she said it had not been taken of my bnpl balance after all but just off the main balance!!
The argos pay app is an absolute joke! You can't choose to take amounts of different plans so they take money off where they choose!
I will never use the argos bnpl card again as the customer is not in control of their payments!
I also received a message to say they were watching my account as I have only been paying the minimum amount which is absolute rubbish! I pay triple the minimum amount every month!
I have used the argos buy now pay later for years but never again and I advise others strongly to stay clear!
You will end up confused, have trouble understanding exactly what you owe and it will cost you in terms of affecting your credit rating

What went wrong? What went right!?
I got rid of Argos Card some years ago after an attempted fraudulent use on it. A couple of years down the line I then found they had added an Argos Pay card to my credit file. They had no right to do this. I have written to them on two occasions 18th May 2026 and 19th June 2026 in an attempt to get them to remove it. They have totally ignored me. Absolutely no help or support from them and no reason given as to why they had done this. Luckily I had support from Equifax and Clearscore and have been assured that this will be monitored on my behalf. Argos are the only ones who can remove this apparently. Why don't they do it? Why don't they interact and support customers?
Useless company! Yes I still buy items from Argos but not with any card of theirs. My advice to anyone is don't go near an Argos Card in any shape or form because if there are any issues like I've got and had in the past, they will do nothing to help you!

Argos sold me a broken tv last July 2025 and I moved home in September I took it back to be refused any help by Argos the manager was a nasty disgusting person and the girl who i spoke to told me Argos do this all the time it's now July 2026 and they are still looking money for a tv i refuse to pay for useless uses get me a new Samsung tv at £400 or I will see uses in court because I have sent uses emails and Samsung have been told about it they sent me details for a company who where looking £400 so get this sorted

Late charge added because they swapped days, terrible company - I made a payment 26th am but because the statement came out 26th at lunchtime my payment was allocated to the prior month!!!

Paid off argos account in full. Keep getting monthly payments still. Cant get in touch with any human at customer services to stop it. Just keep going round in circles with their automated robot on the phone lines. Will never take credit with them again. Awful service that penalises those that refuse to build up interest and debt.

Useless, absolutely useless. Its extremely difficult to make a payment . the app crashes, doesn't interact with my banking app. Last month I received a late payment charge, the 1st time in many many years, but it was not for the want of trying, I simply couldn't make a payment
Thankfully this months payment isn't due for another 7 days, as it will probably take that long to get a payment through. It's as if they don't wish you to pay.
Had the old style Argos card for many years and no issues whatsoever, but now... Will probably settle the account next month, cancel my account and never buy anything from Argos ever again.

Unusable! It asks me to open my.banking app to make the payment, so I do this, then, nothing. Nothing happens, no way to approve the payment. Argos Pay Times out and says the payment has been canceled and asks me to go back for alternative ways to pay so I go back, but it doesn't give me any alternative ways to pay, so I go round and round and round in circles, till eventually I get an option to pay with my bank card, but how did I get to this option? I have no idea, so next month we go round and round again. I won't be buying anything on credit with Argos again. The old app was perfect I could make a payment within seconds. This new one is useless, sort it out!!

Hard to make payments now its like they don't want you to pay on time. Old system was so much better then this rubbish app that don't want to take payments. Absolute rubbish

DO NOT trust the digital Argos Pay system. Since the transition by NewDay the system has been plaqued with severe glitches, app login errors, and broken automated phone lines.

The biggest danger for customers is payment allocation. Even when staff explicitly promise that your payment will go toward an existing Buy Now Pay Later (BNPL) plan, the system misallocates the money to plans months/years into the future, manafacturing unfair interest rates and defaults.

Worse still, their customer service shows a complete disregard for the FCA consumer duty rules. As a declared medically vunerable customer, I was given misleading financial advise then completley hung up on by an agent while in distress.

WARNING TO ALL CUSTOMERS If Argos Pay or NewDay rejects your complaints or blames your bank for errors, do not give up!

If you have had a final response/rejection letter or have waited over 8 weeks for a response to a complaint, Bypass their customer service entirely. Take your case timelines and any call recordings ( it is important to record these calls to customer service agents ) straight to the Financial Ombudsman Service (FOS). The Ombudsman can force them to wipe out unfair interest, clean your credit file, and pay compensation.

Many cases are already finding there way to the Ombudsman for investigation. The FCA are also aware of the multitude of complaints from customers. Argos Pay NewDay credit is setting people up with charges, and interest by mis allocating your money, causing foreseeable harm.
Reporting them to higher authoritys for investigation is the only way to get this problem sorted for everyones financial safety.

Awful payment gateway. I was unable to register my account for 2 months due to not recieving an access code in the mail. Numerious attemts to resolve via chat bot and sitting in telephone queues. Ended up with Argos saying I was 2 payments behind and added negative info on my credit file. Took half a day to finally get access to the portal. Complained to Argos and asked for negative info to be removed as it was there fault they refused. Today I got an email saying I was in default even though my account was upto date over a week ago. Terrible service never had this issue with old system. There glitchy useless app and poor customer service has left my credit score in tatters.. thanks Argos I never asked for your new rubbish app.

Just rubbish. Just want to clear my balance. It crashes. Rubbish. Why bother with it. Complete waste.
Fancy putting a app out there this bad. Truly amazingly bad 🤣