Help me re: Argos Card

edited 30 November -1 at 1:00AM in Credit Cards
15 replies 32.7K views
HelenR_3HelenR_3 Forumite
193 Posts
edited 30 November -1 at 1:00AM in Credit Cards
Hello Everyone

I hope someone could PLEASE help me!!

It’s about my Argos Card

Basically, ive come to the impression it’s impossible to transfer an Argos balance? We can’t transfer it on to Barclaycard or Halifax, because it’s a `catalogue` card allegedly? And we can’t pay the bill with a credit card and then transfer that balance

This seems almost illegal to me, how can they restrict me to them exclusively??

Please help me on this if you could

Many Thanks

Helen
Keep on keeping on... :beer:
«1

Replies

  • xela_17xela_17 Forumite
    421 Posts
    The problem that people have found with argos cards is that they don't have a 16 digit number. If you look, the first number on the card is printed, it is not raised like the rest. I'm not sure for what purpose argos did this but the net result is that, you're right, it's nigh on impossible to transfer.

    What you could do is get an SBT card (eg egg or virgin) and then SBT the money into your bank account and then use it to pay off argos.
    What did I do at work before I discovered MSE?!

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  • WalshyWalshy Forumite
    81 Posts
    On the back of your Argos card statement it explains how to make payments online or over the phone:

    'Quote our direct payment account no. 90505498 plus sort-code 20-91-79. Your customer ref number is your Argos card number without the first 6 - so it starts 3354'

    So surely the credit card company just has to do that?
  • HelenR_3HelenR_3 Forumite
    193 Posts
    xela_17 wrote:
    The problem that people have found with argos cards is that they don't have a 16 digit number. If you look, the first number on the card is printed, it is not raised like the rest. I'm not sure for what purpose argos did this but the net result is that, you're right, it's nigh on impossible to transfer.

    What you could do is get an SBT card (eg egg or virgin) and then SBT the money into your bank account and then use it to pay off argos.



    WALSHY


    The problem i`m having is even after taking off that first 3 the account number is still too long , also barclaycard and halifax have both simply said , sorry , cant do it

    is there any way round thsi , i wonder !!!!
    Keep on keeping on... :beer:
  • Try using the last 16 digits; ignore the first 3 digit i.e 633

    i.e. start with 54XX XXXX XXXX XXXX
    Regards

    Mark
  • HelenR_3HelenR_3 Forumite
    193 Posts
    Try using the last 16 digits; ignore the first 3 digit i.e 633

    i.e. start with 54XX XXXX XXXX XXXX



    Hi

    If i try this on line , with barclaycard , after logging in , is it not fraud....

    im worried because our 12 month interest free runs out soon..and i`m sure everyones aware of argos`s interest rates :eek:
    Keep on keeping on... :beer:
  • Why do you think it would be fraud?
    You are only doing a BT to your own legitimate account.
    Please note:
    The reason I suggested (although I have never actually made a BT to Argos card) that you use the last 16 digits is that all 'credit' cards are generally made up of 16 digits, with some exceptions, e.g Argos card, Amex, etc.

    ALTERNATIVELY-

    If you have (or why not request) BT cheques from any of your credit cards and use it to pay Argos card. Then do a BT to that CC a/c from another of your CC. You may have to pay a handling fee between 2-3 % but it may work out cheaper than paying around 30% apr to Argos card.
    Regards

    Mark
  • Penny-Pincher!!Penny-Pincher!! Forumite
    8.3K Posts
    ✭✭✭✭
    Hi HelenR

    Is your 0% card on BT only or on purchases? If its on purchases-could you not just pay your Argos account in full using your 0% free credit card(or any other CC thats lower than the 29.9% APR)-then pay up before the 0% free period ends-or benefit from the lower % rate? :confused:

    Hope this makes sense.

    Penny-Pincher!!
    xxx
    To repeat what others have said, requires education, to challenge it,
    requires brains!
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  • HelenR_3HelenR_3 Forumite
    193 Posts
    Thanks for all the replys everyone :)


    argos say you cant pay your bill using a credit card , it has to be a debit card !
    and the reason i feared fraud was because barclays have already told me they wont allow it so i thought if i try again and they spot it (when i try on line) they may get funny ??
    although they also told me i couldnt BT my partners egg card balance , which i then did on line anyhow and it went through !!

    alsu FAO XELA sorry to be dim but could you or someone tell me in laymans terms what a SBT is using maybe my partners now empty egg card ??


    love you all guys thanks
    Keep on keeping on... :beer:
  • boofy_2boofy_2 Forumite
    422 Posts
    Unfortunately, I've tried to BT from Argos without success. Short of withdrawing the cash from another card and paying the balance, I don't think there is anything that can be done. I will NEVER touch Argos card again. Seemed like a good idea at the time and it's only now am realising the APR!!! Scandalous.
    "When you want something said, ask a man.
    When you want something DONE, ask a woman" - Margaret Thatcher
  • newfoundglorynewfoundglory Forumite
    1.9K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    ✭✭✭
    I suggest you get an arranged overdraft on a current account and use it to pay off the whole balance. Even if the overdraft rate is 15pc, thats still half of the 29pc you are currently paying! At least until you find a better solution. Compound interest is powerful, particularly at such high rates, so you need to get the rate down asap.
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