chances of getting an argos card?

anotherskintscouser

i'm looking to get an argos card so I can get a new £125 couch on buy now pay 3 months later (my cat destroyed my current couch so I had to get rid of him)



however, the issue is that i'm disabled and in reciept of PIP & ESA (top whack rates for both.) and because i'm only 22, I don't have much of a credit history except my phone/broadband contracts, united utilities and the 34.5% APR ocean credit card I managed to get with a £200 credit limit (around £50 spent on it p/m paid off in full each month)



have argos approved people who are unemployed/low income/have a less than perfect credit rating before for their store card?



just wanting to hear from other people before I decide whether to go ahead with it or not.

Credit_Struggle

It does a soft search eligibility check without affecting your credit rating

SnowTiger

anotherskintscouser wrote: »

i'm looking to get an argos card so I can get a new £125 couch on buy now pay 3 months later (my cat destroyed my current couch so I had to get rid of him)

however, the issue is that i'm disabled and in reciept of PIP & ESA (top whack rates for both.) and because i'm only 22, I don't have much of a credit history

People who rely (completely) on benefits can and do get credit.

Your income is around £300 a week. And you have no or minimal rent and council tax to pay. Do you really need credit to buy a £125 sofa?

No savings?

[Deleted User]

You may as well give it a go. Your income may be sufficient.

They go quite far up the risk scale, but it's impossible to predict.

MovingForwards

You could always try British Heart Foundation for a cheap used sofa, their delivery fees are reasonable too.

Ben8282

No way to know until you try.

jimbo26

As others have said use the checker on their website. When I got mine it offered me the card, and credit limit with a soft search.