Is this breaking any T&Cs or just cheeky?

nick74

guesswho2000 wrote: »

Even simpler, get a Visa Credit card, pay your Argos card by selecting Visa Debit and entering the CC details, job done.

Yes, or equally use a Mastercard credit card and select 'Mastercard Debit'. Argos Card's online payment system isn't smart enough to tell the difference between credit and debit cards.

I quite often use my Argos card to get the interest free credit, then pay that off with an Aqua cashback credit card to get 3% back.

pjread

guesswho2000 wrote: »

Even simpler, get a Visa Credit card, pay your Argos card by selecting Visa Debit and entering the CC details, job done.

Whoa, that works? Is it unique to Argos cards or would it work with others (MBNA, barclaycard, anyone? )

Cycrow

nick74 wrote: »

Yes, or equally use a Mastercard credit card and select 'Mastercard Debit'. Argos Card's online payment system isn't smart enough to tell the difference between credit and debit cards.

I quite often use my Argos card to get the interest free credit, then pay that off with an Aqua cashback credit card to get 3% back.

Nice tip, i think i will be trying that when it comes to paying it off

Cycrow

pjread wrote: »

Whoa, that works? Is it unique to Argos cards or would it work with others (MBNA, barclaycard, anyone? )

it doesn't work with Barclaycard. Most will check if its a credit card. So i think it might be unique to Argos, or perhaps a few others

guesswho2000

pjread wrote: »

Whoa, that works? Is it unique to Argos cards or would it work with others (MBNA, barclaycard, anyone? )

Indeed, wasn't sure with MasterCard so didn't mention that, but definitely works with Visa.

Not sure about other issuers, pretty sure they don't, with the exception of Creation issued cards, which accept a credit card to pay for a credit card.

I assume you could, in theory, get two creation cards, max one out and use the other to pay it off, then just use them to pay each other off in perpetuity. Good way of maxing cashback/miles/points, though!

nick74

guesswho2000 wrote: »

Not sure about other issuers, pretty sure they don't, with the exception of Creation issued cards, which accept a credit card to pay for a credit card.

Creation is the only card I've heard of that 'officially' allows this.

I bet Argos would soon put a stop to this loophole if they realised what was happening. But then, I've been expecting that for about 18 months since I first discovered this trick and it still worked last time I tried it! (last month)

thegfb

Some helpful and interesting replies to this thread, thank you to all.

The Argos bill has now been paid by debit card, though if I'm in this position again I will try to Mastercard Debitcard trick first instead of going through all this hassle

CG19a

nick74 wrote: »

Yes, or equally use a Mastercard credit card and select 'Mastercard Debit'. Argos Card's online payment system isn't smart enough to tell the difference between credit and debit cards.

It also works if you select Mastercard Debit and then type in the details of a visa credit card.