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Store Card Advice

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Hey All

I'm currently in the process of a break up and dont have any furniture for a new flat. I'm thinking about getting a store card for somewhere like Argos or something to get a bed, tv, wardrobe and some other little bits.

Any advice on which one to choose?
What store etc?
How to get it - specific cash back sites maybe (Quidco)?

Any advice would be excellent (even if its a dont do it message) so thanks in advance


Paul

Comments

  • MPH80
    MPH80 Posts: 973 Forumite
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    Doesn't it kind of depend what you need, what you can afford and what you want?

    No good getting a Harrods card if you can't afford to buy there! And no good getting a Homebase card if they don't sell the bed you want!
  • farhadhussain
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    Hi Paul
    As far as i know, an Argos card would do perfectly if you have less than perfect history. as well as Partnership card, Debenhams and House of Fraser cards are a good option( although i got declined for them:P..i dont have a very good history, only fair) so these are the options but dont just apply yet.. research and keep checking on this forum as sometimes you get good info on here..
  • Blakey1982
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    Well.....I'm more focused on the money saving side to this - if a bed is cheaper with one place than the other then obviously i'd go for the cheapest but it depends how much the saving would be.

    As a general request advice on where I could get the above items at a reasonable cost with maybe some addedd incentives that you (the experts) may know about?

    Hope this helps but thanks for but reply
  • MPH80
    MPH80 Posts: 973 Forumite
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    First step then - head over to freecycle - see what you can find on there first!
  • POSSETTE
    POSSETTE Posts: 1,474 Forumite
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    MPH80 wrote: »
    First step then - head over to freecycle - see what you can find on there first!
    my thoughts exactly..explain your circumstances and what you would like and see what gets offered,i have given quite a bit away on there. Where abouts are you in country?
    store card interest is mad so i would try for a cashback card,or try Tesco online for furniture/clubcard points!
    TO FINISH LAST, FIRST YOU HAVE TO FINISH....
  • nickmack
    nickmack Posts: 4,435 Forumite
    First Anniversary Combo Breaker First Post
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    Blakey1982 wrote: »
    Any advice would be excellent (even if its a dont do it message) so thanks in advance

    If you're not in a position to repay the balance in full before interest is incurred, I would think very carefully. Any promotional discount offers could be wiped out if you start incurring compounded interest.

    The APR is often 30%+ on these cards and they have the added 'bonus' of only being accepted at one store/group.

    A long term 0% credit card may be a cheaper option, so check out Martin's Credit card guide.
  • anotherpaul_2
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    MPH80 wrote: »
    First step then - head over to freecycle - see what you can find on there first!
    I'd second this. I've had a lots of useful things to furnish my house from generous people on freecycle, which has saved me a significant amount of money I couldn't really afford to spend. You have to be prepared to take what's available though, but I'm not fussy.

    That, and things that friends and family didn't need/want any more.
  • Blakey1982
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    Guys - Thanks to everyone - I am going on freecycle right now and signing up for a browse.

    I personally think a credit card (preferably with my bank) would be best then. At least I am not limited to one store!!
  • Swans1912
    Swans1912 Posts: 1,658 Forumite
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    Do not forget you can NOT balance transfer from the Argos Card!
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