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    • MrSusan
    • By MrSusan 16th May 17, 4:51 PM
    • 2Posts
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    MrSusan
    Best Card for a Transfer from Argos store card?
    • #1
    • 16th May 17, 4:51 PM
    Best Card for a Transfer from Argos store card? 16th May 17 at 4:51 PM
    Hi all!
    Really need to get rid of my Argos store card balance asap as the interest is more than what we can actually afford to pay on it each month. I have a barclaycard platinum but they wont allow a BT because Argos is one of their partners and there are no options for a money transfer because the Barclaycard is a new card (ive had it just over a month). How can i get rid of my argos balance? I am not eligible for MBNA, who i know DO accept argos cards as BTs.

    Any help would be great, as i said, the argos interest is hammering us!
Page 1
    • Oakdene
    • By Oakdene 16th May 17, 4:54 PM
    • 1,849 Posts
    • 6,760 Thanks
    Oakdene
    • #2
    • 16th May 17, 4:54 PM
    • #2
    • 16th May 17, 4:54 PM
    I dont know if you can BT from a store card but you could use the MSE eligibility tool to see if you get a Money Transfer card then use that to put the money into your account then pay off the Argod card
    • MrSusan
    • By MrSusan 16th May 17, 4:59 PM
    • 2 Posts
    • 0 Thanks
    MrSusan
    • #3
    • 16th May 17, 4:59 PM
    • #3
    • 16th May 17, 4:59 PM
    Im not eligible for any of the money transfer cards that are classed as 'Top' cards on MSE unfortunately.
    I suppose im just going to have to start paying more to the Argos card somehow..
    • 2ilent8cho
    • By 2ilent8cho 16th May 17, 5:30 PM
    • 23 Posts
    • 6 Thanks
    2ilent8cho
    • #4
    • 16th May 17, 5:30 PM
    • #4
    • 16th May 17, 5:30 PM
    Are any of the Tesco cards showing as high chances in the MSE Money Club? You can balance transfer cash to your bank from them using their App and they all bar foundation seem a better APR than the Argos Card. If you have a less than perfect credit rating they gave me a nice limit and a normal APR even though i have 4 defaults on my credit record still.
    • venison
    • By venison 17th May 17, 8:26 PM
    • 1,940 Posts
    • 2,075 Thanks
    venison
    • #5
    • 17th May 17, 8:26 PM
    • #5
    • 17th May 17, 8:26 PM
    NO cc's allow you to transfer from an argos card, if you are having problems paying argos then talk to them before the problem gets out of hand.
    I am a BG on loans,credit cards and benefits I volunteer to help get your forum questions answered and keep the forum running smoothly". Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.
    • fozmcfc
    • By fozmcfc 17th May 17, 9:18 PM
    • 3,003 Posts
    • 2,192 Thanks
    fozmcfc
    • #6
    • 17th May 17, 9:18 PM
    • #6
    • 17th May 17, 9:18 PM
    Don't take eligibility checkers as 100%. I was given a 0% chance of a Post Office card, but got one. Others have had similar experiences, including where it's said 100% but they still haven't got the card.

    So, you won't know for definite if you are eligible for a money transfer card, until you apply for 1 or 2 of them. However, if you have arrears, arrangements to pay or a ccj on your credit record, you won't get one. If not, providing you haven't applied for credit several times recently, 2 applications in a short space of time, shouldn't hurt your credit record.

    You could also look at a purchases card, now you won't be able to transfer the balance, but you could put all your spends on it for the month and use the normal spends money paying off the Argos card. Yes your have to pay the minimum each month to the card, but you could get a couple of years, interest free on purchases.
    • Mase2015
    • By Mase2015 24th Jan 18, 10:40 AM
    • 1 Posts
    • 0 Thanks
    Mase2015
    • #7
    • 24th Jan 18, 10:40 AM
    • #7
    • 24th Jan 18, 10:40 AM
    Just completed a 0% 38 month transfer to Barclaycard from Argos Store Card:
    • T-G-C
    • By T-G-C 24th Jan 18, 4:14 PM
    • 129 Posts
    • 57 Thanks
    T-G-C
    • #8
    • 24th Jan 18, 4:14 PM
    • #8
    • 24th Jan 18, 4:14 PM
    Due to Argos being a store card and not a credit card, a lot of providers, unless otherwise stated in the credit agreement, will not perform a balance transfer from such.

    Please avoid attempting to obtain a BT card before contacting the provider, for them to confirm whether the balance can be transferred from Argos.

    From a personal experience, I knew someone who had to run through hoops to obtain a fantastic BT deal from Santander, only to discover it wasn't compatible with Argos card.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • mikeeeb
    • By mikeeeb 26th Feb 18, 10:57 PM
    • 1 Posts
    • 1 Thanks
    mikeeeb
    • #9
    • 26th Feb 18, 10:57 PM
    BT gone through barclaycard
    • #9
    • 26th Feb 18, 10:57 PM
    In the past I have tried transfering my balance from argos card to barclaycard, problably around march 2017 and just got account number not recognised message. I have just tried again feb 2018 and has gone through. Ive notice that now you can use your argos card to shop at Sainsburys. I wonder if now argos card is behaving more and more like a CC, rules are changing maybe?
    • Raxiel
    • By Raxiel 27th Feb 18, 11:02 AM
    • 652 Posts
    • 354 Thanks
    Raxiel
    Do you have any other cards you regularly use?
    Can you do a money transfer on them (not interest free), and then immediately transfer that balance to the Barclaycard?
    • venison
    • By venison 27th Feb 18, 8:08 PM
    • 1,940 Posts
    • 2,075 Thanks
    venison
    The Argos card starts with 6335 thats why a BT to a visa or mastercard doesn't usually work.
    I am a BG on loans,credit cards and benefits I volunteer to help get your forum questions answered and keep the forum running smoothly". Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.
    • Davidp133
    • By Davidp133 13th Apr 18, 11:08 AM
    • 1 Posts
    • 0 Thanks
    Davidp133
    Hi, I have just completed a balance transfer from my Argos card to my HSBC credit card 32 month 0%. I had to ring HSBC and do it over the phone as the website wouldn't recognise the card number. They manually made the payment to Home Retail Group Ltd using an account number and sort code that they already had for them, using my long card number as the payment reference (they dropped the first 6 off). So balance transfers are possible! Hope this helps.
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