Argos Credit Card Reviews 

1,167
TrustScore 1 out of 5

1.1

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Rated 1 out of 5 stars

Absolutely atrocious if i could give it zero stars i would. I will be getting rid! I loved my argos card.. but now!! App useless, payment options useless. No nectar points...no point at all actually.... See more

Rated 1 out of 5 stars

This company absolute joke. With argos pay. Have to pay ya flexible credit off before u pay your bnpl off. (wtf) it's my money I should be able to spread my payments off when I like. Don't fall into... See more

Rated 1 out of 5 stars

I have been attempting to order a new mobile phone (£600+) via the Argos App AND Argos Pay...I have tried all different combinations, using A/Pay first then the Argos main App....all to no avail. So... See more

Rated 1 out of 5 stars

Really disappointed with Argos Pay. I tried to make my minimum payment on time, but the Argos Pay app crashed while I was trying to make the payment. Because of the app problem, my payment was mad... See more

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TrustScore 1 out of 5

1K reviews

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(1,167)

255 reviews in the last 12 months

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Rated 1 out of 5 stars

The argos card app was great could pay…

The argos card app was great could pay both normal credit and you bnpl in separate payments. This time around you can't choose what you pay off or how you pay it. Was great beforehand and now you've mucked it up. Some thing are better left alone. I would avoid it if you can god knows how much debt they're going to get people into now.

May 4, 2026
Unprompted review
Rated 1 out of 5 stars

Tried registering half a dozen times

Tried registering half a dozen times. Code doesn't get sent. Didn't recognize account number. For such a large company, this is my worst IT experience ever for such simplistic instructions to apply. You are losing me very quickly as a customer. Your IT department needs replacing.

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

The new argos pay app is terrible

The new argos pay app is terrible, you can't pay towards individual bnpl plans, also got an email saying 'your direct debit has been cancelled as requested'.... something I never requested, bye bye Argos, Hello more Amazon purchases

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

Bloody awful

Bloody awful, doesn't recognise my email/log in even though I've set it up 4 times🤬, long story short... if I can't log in, I can't pay, and good luck with trying to charge me interest with that Argos!

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

Newday now has my info without my consent.

I never agreed for my account to be handed over to New Day, I didnt give consent for them to be given my personal information including banking information for my amazon credit card debt, I am FUMING.
I have not been able to get through to customer service, not been able to register, not able to get a otp, reinstalled the app did all the steps others advised online but its still not working, I will likely default because I am so damned annoyed.

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

What have you done Argos!

What have you done Argos!!
This new app / company has made what used to be a simple process regarding BNPL a pain in the backside. Talk about not fixing something that isn’t broken!!
It’s laughable….. today I have paid my balance and will not be purchasing from Argos again.I have no intention of involving myself with loan sharks.

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

It may just be me

It may just be me , I accept I don’t like change . In the old Argos App you could give your different agreements names so you knew what was what and not just figures .
Also I can’t work out how you pay money on a specific agreement anymore and not just your whole balance.
Does everything need to constantly change 🙃
I have also paid off balance and requested in app to close account down .
Also didn’t like the way I tried to pay it off on a 0% credit card and it declined the payment even though there was plenty of credit left .
No improvement anywhere. Will never use again.

May 2, 2026
Unprompted review
Rated 1 out of 5 stars

Where do l begin Wouldn't let me pay…

Where do l begin Wouldn't let me pay in, just kept redirecting me to a system of payment that didn't work Lots of different phone numbers but none that helped just automated answering machines basically. After about 3 hours l managed to pay off my account and closed the app. Whoever thought up this doozie needs a demotion. On a serious note, have used argos for years, spent a lot of money, and the old Argos app was so easy to use. Argos will lose a lot of customers over this. Sad really.

April 27, 2026
Unprompted review
Rated 1 out of 5 stars

Appalling

Appalling, trying to make a payment but won’t let me log in to make one or even confirm log in details. It was way better and pretty much faultless before, so why change something that isn’t broken.

May 1, 2026
Unprompted review
Rated 1 out of 5 stars

Beware of BNPL payment changes

Since the change you now have to pay off the balance in full before paying off BNPL balance - this is a change that happened and no prior warning given, I used it and would pay it off in full before it ended and still pay towards my normal balance - chances are I’ll now incur large interest add ons now - this is totally different to how it was last month.

May 1, 2026
Unprompted review
Rated 1 out of 5 stars

Don't use New Day finance

Argos had a good set up with paying off your credit, you could access your account and pay off your bnpl plan as well as normal credit.
Along comes New Day and taken away this facility, surely they have broken the contract i had with Argos ( I will be taking this further) and f it up
My advice dont get involve with this credit company!!!

May 1, 2026
Unprompted review
Rated 1 out of 5 stars

This new day for Argos Card is…

This new day for Argos Card is unbelievable are they trying too put off their customers WEll This is one customer they have successfully put off I WILL NOT BE USING ARGOS ANY MORE will be using AMAZING from now GOOD BY Argos

April 30, 2026
Unprompted review
Rated 1 out of 5 stars

If its not broken don’t fix it

Well where do i start? Absolute shambles, the old Argos card and payment app was by far better. They have changed the app to show start date instead of the preferred end date for each payment plan. The payment of each separate plan has disappeared and they have created a total balance. I could go on and on, will be looking to clear my balance and close my account.

April 30, 2026
Unprompted review
Rated 1 out of 5 stars

Terrible experience

Terrible experience. Could not get my argos pay account registered and couldn't get through to customer services for three days. When I did get through they apologised and said my orn number would be emailed through to me but it may take 48 hours!!
Finally got the information I needed to register but the phone number was not mine that came up. Having recently had my personal details being used before to make purchases I have not authorised I have huge concerns for the handling of customers information. This company really is dreadful.

April 30, 2026
Unprompted review
Rated 1 out of 5 stars

The new Argos Pay App is an absolute shambles!

My lord. What has Argos done with the Argos Card app? It is an absolute shambles! There is no sight of when your individual BNPL plans end; you are none the wiser.

There is also deferred interest and only one option to pay toward the whole balance, nothing around paying the one that is due to end first, and you are none the wiser anyway, as it doesn't show when each plan ends. That is very sneaky to catch people out.

For someone who has used the Argos Card for so many years, every year, several times a year, I will no longer feel able to use the new Argos Pay app.

April 30, 2026
Unprompted review
Rated 1 out of 5 stars

Disappointed

I’ve had my Argos card for about 9 years and I’ve now paid off my balance and closed my account.
Don’t like the lack of transparency with payment dates and interest fees so I will no longer be using.

April 29, 2026
Unprompted review
Rated 1 out of 5 stars

Wish I could give negative stars

Wish I could give negative stars. They have taken away all freedom and flexibility to pay. Complete shambles and disappointment. I've never had a problem paying but I am afraid this new set up will lead to issues due to its lack of flexibility and reduced transparency from before. Once I'm paid off I will be leaving Argos for good.

April 29, 2026
Unprompted review
Rated 1 out of 5 stars

Is it possible to give zero stars 🤷🏻…

Is it possible to give zero stars 🤷🏻 Absolute minefield trying to re register to Argos Pay. I eventually managed it and closed my account. No more Argos for me. Judging by the volume of negative comments I think Argos/Sainsbury's have scored an own goal teaming up with New Day. Absolute non customer centric culture. Bye bye you will never have my custom again.

April 29, 2026
Unprompted review

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