Write a review

Argos: Credit Card reviews

Name: Credit Card
Rating: 3.4 (55 reviews)

View other Argos products

3.31

Based on 55 reviews, last reviewed 26th May 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

45%

15%

29%

Latest highest rating:

5

Excellent service happy to recommend to anyone I have been using my Argos Credit card for a few years now and never had any problems with either making payments on the App or online or instore. Alw... Read more Reviewed on: 26th May 2025

Latest lowest rating:

1

Declined straight away with out even the chance Declined straight away with out even the chance Reviewed on: 23rd April 2025

Read all reviews See your review

About this product

Argos Credit Card reviews from our Smart Money People can help you to find out more about this product? Oh, and if you have an Argos Credit Card, why not leave a quick review today! You're helping us to build the UK's no.1 review site for financial products.

Argos Credit Card reviews (55)

Review of the Argos, Credit Card:

Rubbish

Absolute disaster. for the past 6 months. they kept canceling my direct debit and they kept charging me 12 pounds late payment fee the worst part is they keep lying about it. the worst customer service that I have seen. no accountability at all. they messed up my credit score and now the last months they said they cannot locate the payment I made over the phone. then I hear lies and lies again denying their responsibility. Avoid it like the plague. Reviewed on: 25th June 2023

Argos number 1

Perfect company, I'm using only argos in uk Reviewed on: 14th June 2021

Bad credit card

Very bad credit card. Not able to setup direct debit. Then get charged late fee. Rubbish Reviewed on: 26th April 2021

weight round your neck

look argos didnt hold a gun to my head and told me only to pay the min payment that was my choice and you get comfy with it you buy items pay the min payment and life goes on but boy it sure does catch up with you and before you know it your monthly payment is all interest and all your paying off is very small amounts so at the end of the day if your going to get an argos card and pay it off before the 6 months great go for it but if your just going and pay min payments BAD IDEA Reviewed on: 11th March 2021

Extortionate rees app poor

Argos app will ignore your payment option and allocate the money to 9thet credit leaving you to pay for late fees, the late fee 8s 12 pounds!!! Even if you only used 23 pounfs credit! Reviewed on: 29th December 2020

Callous unethical credit company

I used Argos credit and unfortunately was unable to pay-my fault. So I arranged a payment plan and they put me through to a company called Moorcroft who agreed to take on my account and payments. So I started making min payments to them and what do you know, Argos are still logging arrears despite me making payments to Moorcroft who should be managing my account now. They were rude and did not accept responsibility for this error. Poor unethical company! Please avoid! Reviewed on: 26th October 2020

Best bnpl

Easy to use and understand. One of the best buy now pay later plans around. Everything on the app is well planned out so you no what needs to be paid by when to avoid interest. Reviewed on: 11th September 2020

Unpleasant letter, having never missed a payment in 10 plus years.

I have received a lovely letter informing me that my credit score could be affected if payments are not increased - and that my account is under observation? Considering I pay by variable direct debit and pay large sums off periodically, I am dumbfounded. At a time when the obvious virus is stressful enough - is there any need to send letters such as these when payments are always made. Argos card now resembles a jigsaw - balance to be paid in full and account closed. Reviewed on: 25th March 2020

appalling trying to pay Argos card

Reg my card tried to pay on line said I had then said it hadn’t gone through So I rang this morning 3 times cut of 3 times my statement doesn’t say what I have bought Charging me £12 late payment when I can not get though on phone and it’s not taking my payment When fin paying I’m done it’s a waste of time One women asked me my details another didn’t And one rude to me on the phone so what now ARGOS Reviewed on: 13th February 2020

poor practice

Due to unforseen and very difficult circumstance I ended up in a financial pickle, this was in 2013/14, another 2 years of financial struggle I found myself in a debt relief order, which was granted. and everyone was informed. I didn't hear from any of my debtors and still haven't, my circumstance got worse (health) after a year all debts were lifted. or so I thought, fast forward 3 and a half years after the debt relief order, I recieved a letter out of the blue from argos, claiming it had now sold my debt with them onto arrow global who btw are using one of their alias names - capquest to try and chase me for a debt which is part of a debt relief order 3 years ago. I contacted Argos and Argos are claiming that they have never had confirmation of any debt relief order. If this is true then why did Argos not correspond with either myself or any other debt recovery company before now or any time in the last 3 and a half years. I have NEVER had any other credit with argos nor any other company since prior to the debt relief order. Reviewed on: 5th February 2020

Good stuff

A nice dish prepering to the high standard Reviewed on: 29th January 2020

Do you have a different Argos product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

British Airways Credit Card
from American Express 4.15 from 80 reviews
Student Credit Card
from NatWest 4.31 from 6 reviews
Initial Credit Card
from Barclaycard 3.96 from 118 reviews

Want to see more from Argos?

Pet Insurance
from Argos 3.77 from 25 reviews
Warranty
from Argos 3.45 from 26 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub