Argos Card missing charge?

ramboacdc

Hi i don't really know which forum to post this in but i was wondering if someone could help?
on the 12th of september my other half bought a TV that was on sale in store at Argos and paid for it using her Argos card. I recently logged into her account to make the final payment i had on my xbox i bought using it and spotted this cleared the balance and there was no charge for this TV. I checked through every statement we had ever had and there is no issues, this charge for the TV is missing completely and my balance is at 0 and my available credit is exactly the same.

I have had recent payments made after this date hit the account fine but still no charge. Our statement date is the 12th so my only guess is its somehow missed one statement and will go on the october 12th statement, however their website says it takes upto 48 hours for charges to appear and we are now way over 48 hours.

One side of me is like "free tele?" the other is "no that's theft" what are my rights here and if it doesn't appear on the statement do i make the payment i was going to make at the end of the month as usual and start building up credit or do i sit and wait and hope they spot it or should i be good samaritan and contact them and tell them they actually need to charge me?

BoGoF

Is it possible it's on a buy now pay later deal?

DoaM

The legal position is that they have up to 6 years to spot the non-payment and to chase you for it.

The ethical position is for you (actually your OH, as it is their card) to notify Argos of the missing transaction.

What actually happens is up to you (or Argos if it gets legal).

ramboacdc

if it was the charge still goes on but no interest hits until you go over their interest free period.

BoGoF

It's been a while since I used my card so wasn't sure how it worked. If I remember correctly the app had a separate bit for BNPL items

ramboacdc

I dont use the app i use the online statement.