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Argos card


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Has anyone had one of these and what is the acceptance like.

 

I have just applied online and although it states instant decision, it said they are processing my application and will let me know within 7 days.

 

So they havent said yes but then again they havent said no!

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Do you mean store or credit card?

 

In my experience, when they say they're thinking about it, they either will say no or hit you with a major APR hike, so where they say "typical APR 14 %", you'll end up with a 27-28%. Of course by then, you have had another credit search registered against your name. :mad:

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Yes the store card.

 

I am moving house and need a few bits from argos so I thought I`d try and get them on credit as it is interest free if you pay within 6 months then right up to 27% :eek:

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Computer has said no any time I've applied for it

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Computer always said no for me then I applied for a capital one card 4 months ago computer said we need to process more and I got a letter of acceptance 5 days later.

 

Are they usually strict when giving out these store cards?

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Well you stand more of a chance than me. Capital one computer says maybe then a few days later I get a letter saying computer says no

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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I don't think the online files are updated in real time. May take a day or two for the searches to show up

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Well I would say that they take a day or two in order to verify that the data to be added to the credit file is accurate before they add it.

 

Nope can't even keep a straight face typing that

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Computer always said no for me then I applied for a capital one card 4 months ago computer said we need to process more and I got a letter of acceptance 5 days later.

 

Are they usually strict when giving out these store cards?

 

Not sure if you're interested but Halifax have a new Classic card out which is for those building up a credit history (and less APR then Capital 1 .. but only just). I filled out the short application online and was immediately accepted and a credit limit given. The agreement arrived 2 days later ... :)

 

Halifax - Classic Card

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Not sure if you're interested but Halifax have a new Classic card out which is for those building up a credit history (and less APR then Capital 1 .. but only just). I filled out the short application online and was immediately accepted and a credit limit given. The agreement arrived 2 days later ... :)

 

Halifax - Classic Card

 

Computer says we'll contact you in 10 days (and probably say no)

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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As far as I am concerned, store cards are a waste of your time and money, I will never take one out. In additiom to hgh interest charges they leave you open to junk mailshots, as they sell their address lists.

 

Cheers, Midori

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Its about 50/50 with regards to acceptance, its either been referred because of something like checking address against the electoral, requesting some form of proof of identity in which they will write to request, or a manual credit score.

Otherwise it means its been declined, will be manually checked before sending out a non acceptance letter.

I would generally suggest the latter of it being declined, but as an online app it could be the former.

The apr is 27.9% (Variable) and Argos are more likely to check with Experian (being both owned by GUS over a year ago)

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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Strange ... I've checked my Experian & Equifax credit files online and there is no sign of a credit search as yet ... and as per my post above, they said I would hear in a couple of days ...:confused:

 

 

Vic, Argos use experian.

I have checked my file and they have done a search and are listed as home retail credit.

 

Which file did halifax classic card use to check you?

I dont want to apply if its experian as I dont want too many searches on my file.

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Vic, Argos use experian.

I have checked my file and they have done a search and are listed as home retail credit.

 

Which file did halifax classic card use to check you?

I dont want to apply if its experian as I dont want too many searches on my file.

 

Hi Pebs, I've checked my Experian file this morning and there isn't a credit search on there from Home Retail Credit. Maybe there was a problem with my application and they have to do it manually... :confused:

 

Halifax also used Experian. I was gobsmacked when I was approved online as due to a lack of credit history, it never usually happens :shock:

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Guest Gertie100

We applied for 1 of these before christmas to specifically buy a new oven. We chose pay off interest free within 6 months because we knew we would.

All the paperwork came through and whilst the options for all the different cards / purchase terms / APRs were there, it didn't give you the option to chose which one you want.

So I'm not sure if they then decide which scheme to put you on, rather than you choosing it yourself.

 

So if you do get it - as stated above - check you have got the what you wanted!

 

In the end we bought it using our credit card, and transferred it onto a 0% card!

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