If you have registered for online services, you can do this by logging into your online account servicing and updating them there. There is a direct link between your interest rates and the Bank of England Base Rate so that the interest rates you pay will always move in line with any changes to the Bank Rate. We will let you know your new rate on the next statement you get following any change. Will you make additional interest rate changes as well as those to reflect changes in Bank of England Base Rate?
We can still make changes to your interest rates for other reasons as we do already. Changes in your interest rates which can increase or decrease can be, for example, because there has been a change in your circumstances. Other reasons are set out in your agreement. Any promotional rates you have including instalments will not be affected by any Bank Rate changes. These rates will stay the same for the length of the promotional period or instalment plan as long as you continue to make your payments on time and don't go over your credit limit.
Only the standard and cash interest rates will move in line with the Bank of England Base Rate. Your promotional and Purchase Plan rates will remain the same for the amount of time you agreed with us, as long as you continue to pay your balance on time and don't go over your credit limit. The FCA has considered ways in which credit card customers can avoid long term debt.
It has introduced new rules which require us to take steps where customers are in Persistent Debt. This usually happens when you pay only the contractual minimum payment, or an amount close to it, each month.
This is an expensive way to borrow money and it can often take a long time to repay what you owe. If you are still in Persistent Debt after 36 months, the FCA expects us to take action to ensure that your balance is repaid in a reasonable period. In certain circumstances we may freeze your card until you increase your repayments.
If you do, we will contact you to let you know and suggest ways that you can increase your payments. If your account is still in Persistent Debt after 36 months we are required to take additional measures to help you pay off your balance in a reasonable period.
In certain circumstances we may need to freeze your card until you increase your repayments. Regularly making payments higher than the contractual minimum payment will help to avoid your account being in Persistent Debt. To help you do this, we have introduced Boosted Payments. This is a variable higher payment which will clear your balance faster and help you save on interest. You can of course make additional payments whenever you choose.
You will receive a statement once a month, when there is a transaction on your account. You should register for Online Account Manager as soon as possible. You can view, print and download your statements and other notices as and when it suits you. You will receive a reminder email each month to let you know that your statement is available which you can download and save at your convenience.
You can also view the last six months of statements online. All customers automatically receive eStatements. You will receive an email notifying you each month when your eStatement is produced. You can view notices by logging on to Online Account Manager.
If you have told us that you would prefer to receive paper statements, you will also receive paper notices. The transactions will appear on your statement in the usual way. Balances on promotional rates will be shown on the back of your statement.
Please note that if you have a number of offers at promotional rates it may not show the expiry dates of all the offers, but will always show those expiring first. Yes, you will have to make at least the contractual minimum payment as set out in your statement each month. At that point, the balance will be moved to your standard purchase rate and will start accruing interest at the standard purchase balance. You will be made aware of this in advance on your statement.
You will pay the standard purchase rate on any remaining balance. This rate is shown on your statement. What happens if I do not make my contractual minimum payment in full and on time or go over my credit limit? If you do not make at least your contractual minimum payment in full and on time or if you go over your credit limit, your promotional rate will be withdrawn and you will pay the standard purchase rate on any remaining balance. Following changes to the law, from 13 January you can allow an authorised Third Party Provider TPP to have access to your online servicing account.
These TPPs are sometimes known as Account Information Service Providers and offer such services as the ability for you to look at all your bank and credit card accounts through one Mobile App or Website. If you choose to use a TPP, please ensure you understand how their service works, such as how they access your account with us and how they will protect your data. Please be aware that: The terms and conditions of your card will still apply.
We will give the TPP access to your account information only, and in the same way as if you were accessing it directly. For example, they will be able to see your recent transactions and your outstanding balance.
The TPP is not permitted to change any of your preferences, direct debit details or any information about you and cannot initiate a payment from your account. Although you must not, generally, give the security details you use to log-in to our online service to anyone else, you may give them to a TPP if it is necessary to do so.
They should agree with you that they will keep these details safe and will only use them for the purpose s you have agreed with them. We can refuse to allow a TPP to access your account where we are concerned about unauthorised or fraudulent access by that TPP.
All TPPs must be authorised or registered with the Financial Conduct Authority or another EEA regulator and so you must check, from the information that the TPP gives you before you use their services, that the TPP is authorised or otherwise permitted by law to provide such services. If you give your security details to a TPP that is not authorised, we will assume it is you authorising us to give access to your account.
If we become aware that an unauthorised third party is using your security details, we will block access to your account. Do I need to consent to you using my information to provide me with payment services? When you enter into a credit agreement with us, you explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you.
Please note that this does not affect any rights and obligations you or we have under the General Data Protection Regulation or Data Protection Act and you may withdraw this consent by closing your account.
If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes as set out in our Privacy Policy. Before you can use contactless, you will need to make one chip and PIN transaction, after that you can use contactless wherever contactless is accepted.
Contactless payments are just as secure as chip and PIN. It uses secure encryption technology, just like when you pay by chip and PIN. Sometimes you will be asked to enter your PIN to check that you are the cardholder. If your card is lost or stolen, you must tell us as soon as possible.
For continued security of your account, we will regularly ask you to enter your PIN number after several contactless transactions. When I make a contactless payment can I be charged twice for the same transaction? You can only pay once for any transaction.
The terminal will not accept two payments for one purchase - just like using chip and PIN. If a purchase takes you over your agreed credit limit you may receive an over limit fee. Yes, additional cardholders will also be given a contactless card. We are currently unable to fulfil requests to send you a card that is non-contactless if your existing card has contactless functionality.
You can use your Argos Classic Credit Card overseas but only as a chip and PIN card as the contactless functionality cannot be used abroad. There are a number of possible reasons for your payment not going through. These might relate to your contactless Argos Classic Credit Card, or a terminal not working correctly.
Once logged in you can also set up email or text alerts to help you manage your account. To register for Online Account Manager please click here. If you are already registered, you can sign in here. NewDay Ltd issue and operate both Mastercard and retailer store cards. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number and is also authorised by the Financial Conduct Authority under the Payment Services Regulations Ref no: for the provision of payment services.
You can send us a message online by logging into your Online Account Manager. If you are not registered for our online services, you can do so here. Alternatively, if you are not a Argos Classic Credit Card customer, but wish to contact us online, please click here. Telephone 4 E-mail: complaint. For further information, or to see a full copy of the Standards of Lending Practice, please visit www.
Got it. Frequently Asked Questions. About the Argos Classic Credit Card. Who are NewDay Ltd? Applying for an Argos Classic Credit Card.
It should take you around 10 — 15 minutes to apply. How long does it take to get a decision? Can I apply again if I am declined? We would advise that you check your credit report and avoid reapplying for at least six months. How do you use the information I give you?
Credit Searches. Will you carry out a credit search? What is a credit score? How can I check my credit report? Log on to www. You can also call or log on to www. Will applying for a card affect my credit rating?
Credit Limit. What is a credit limit? This is the maximum amount of money available to spend on your account. What is a cash limit? Requested delivery date. I would like to send this eGift Card now. I would like to send this eGift Card on the following date and time:. Delivery date is required when requesting a specific date. Argos Registered Office: Registered Number. We value your privacy We use cookies to help give you the best experience on our site and to allow us and third parties to customise the marketing content you see across websites and social media.
Give the gift of choice with a One4all Gift Card. Buy Now. Looking for a gift card to spend at this store? Skip to the end of the images gallery. We understand that your business requirements will be bespoke and would like to discuss them in more detail with you. Discounts for bulk purchases are available. Orders will be despatched within 2 days following receipt of payment. Once we have received payment for your order we will despatch your products as below: Gift Cards —within 2 working days.
B2B gift cards and eGift Cards cannot be topped up in-store. We cannot give change at the checkout and Gift Cards or Vouchers cannot be exchanged for cash.
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