“Can I use Argos gift card to pay off Argos card debt” has been one of the prominent gift card questions our readers and gift card recipients have been prompting us.
The Argos gift card has been in the picture for a while as one of the best options to buy now and pay later, but only applicable to Argos products and services.
After using an Argos card to purchase Argos products and services to pay later, most Argos card recipients have been wondering: Can I use Argos gift card to pay off Argos card debt?
Using your Argos gift card to pay off an Argos card seems most likely to work, but let’s find out if we can use an Argos gift card to pay off our Argos card in this guide.
What Is An Argos Card?
Argos card is an Argos (a popular British retail chain) store card that can be used at all authorized Argos stores in the United Kingdom.
The card is a credit card that processes purchases from the Argos website and Argos stores and spreads the cost of purchases over some time, or to pay for items in installments.
For individuals looking for an option to spread the cost of large purchases, using an Argos card is a convenient way to shop at Argos stores and the Argos website.
Moreover, it is important to be wary about the interest rates, terms and conditions attached to the Argos card before using it. 
Now that you know what an Argos card is, Can I use Argos gift card to pay off Argos card debt? Well, let us find out later on in this guide.
How Does An Argos Card Work?
With the Argos card Just as I stated earlier, you can purchase with Argo’s Habitat and pay back later whilst enjoying flexible payment plans.
You see, while you comply with the Argos credit plan period, you will not pay any interest amount on any balance remaining at the end of any Argos credit plan.
Can I Use Argos Gift Card To Pay Off Argos Card?
No, you can not pay off Argos card debt with an Argos gift card despite the vast array of payment methods that Argos offers to its customers.
However, if you are looking forward to paying off your Argos card debt, we will be sharing with you the best suitable options to go with later on in this guide.
How Can I Pay Off An Argos Card?
Can I use Argos gift card to pay off Argos gift debt? No, you can not. However, below are the authentic ways to pay off your Argos card debt –
1. My Argos Card –
​​You can make payments and set up a Direct Debit by managing your account online with My Argos Card.Â
- Simply register at www.myArgosCard.co.uk.
- Click ‘Make Payments’ on the left-hand side of the screen.​
- Allow up to 2 working days for your payment to reach your account.
- Your payment needs to reach your account by 6 pm on the day the payment is due.
2. By Direct Debit –
Your minimum payment or Fixed Direct Debit will automatically be taken from your bank or Building Society account each month, on or just after the due date.Â
If you would like to set up or amend a minimum payment Direct Debit you can go online at www.myArgosCard.co.uk or complete a Direct Debit mandate. A Direct Debit mandate is also required if a full balance Direct Debit is requested.Â
3. Online or Over the Phone –
If your bank offers a direct bill payment service, just call them or visit their website.
Please quote your Argos Card number without the first 6 so it starts at 3354…., using our direct payment bank account number 90505498 plus sort code 20-92-94.Â
You can also use this information to arrange with your bank to pay a regular fixed amount (Standing Order) (please note: this amount must be more than the minimum payment due each month). Please allow 2 working days for payments to reach your account.
5. By Post –
Send a cheque (payable to Argos Card Services) to:
Argos Financial Services, Dept B,
Park Mill​​,
Huddersfield,
HD8 1FAÂ
along with the Remittance Slip from the bottom of your statement.
Please allow a minimum of 5 working days for payments to reach your account. To avoid delays, please write your address, postcode and card number on the back of the cheque.
6. At Any Bank, Building Society or Post Office –
Use the Bank Giro Credit slip that can be requested with Customer Services to pay over the counter. Alternatively, you can buy a Postal Order in a Post Office.
Please note: They may charge for this service. Please allow 5 working days for your payment to reach your account.
How Long Do You Have To Pay Off Argos Card?
Regarding how long to pay off your Argos debt, it solely depends on your credit plan.
According to Argos, a credit plan of 3 – 6 months is considered a standard one, plus another 12 months to pay on selected Argos products.
Moreover, with the Argos card, if you pay in full concerning your credit plan period and also keep your Argos account up-to-date, you will be charged.
What Happens If You Do Not Pay Off An Argos Card?
Of course, no one deserves to double for any service or a product, but in the case of not paying off your Argos card debt on time, you will be charged for late payment on any yet-to-be-paid amount.
Also, this will incur the charges set out in the credit agreement. In other words, you will owe Argos more money.
My Argos Card Is Not Working, What Could Be Wrong (Solved)?
It is possible to run into a problem whilst using your Argos card. Well, if you happen to face one, below are the possible ways of solving the problem depending on what problem you are facing with your card.
1. Account Closing –
Your Argos card will not work if your account has been closed or dormant.
How you can solve this? Well, it is simple, you will need to contact Argos customer service for the ban to be lifted.
2. Card Number Error And No Security Pin –
You will not be able to use your Argos Card if your Argos Card number starts with 10000 and does not have a 4-digit security pin.
How you can solve this? If you are offered a card with a number that starts with 10000, you can simply return it to Argos with its receipt.
For no security pin, contact Argos and ask for your 4-digit security pin, and you will be allowed to create one.
Is Argos Gift Card And Argos Card The Same?
No, an Argos gift card and an Argos card are not the same Argos Product.
Here is the difference between an Argos gift card and an Argos card; an Argos gift card is a voucher-based payment method allowed at Argos locations while an Argos card allows you to use a credit plan payment at Argos.
In other words, you can buy at Argos with your Argos card and pay later, whereas it is not so with an Argos gift card.
Frequently Asked Questions
Do Argos Gift Cards Expire?
Yes, the Argos Gift Card expires. For Argos plastic Gift Card, it will expire after 3 years of ownership and its e-Gift Card expires after 2 years of ownership.
Is An Argos Card A Loan?
Yes, Argos Card is considered a loan since its credit plans allow you to spread the cost across 3, 6, and 12 months. If you spend over £50 at Argos and pay back within the payment timeframe, you will be allowed to borrow money for free at Argos using the Argos Card.
Is There A Limit On Argos Cards?
Yes, there is a credit limit on Argos Cards. This limit will increase with time, depending on how long you have built your credit history.
For the Argos Card, its limit starts from £150 to £1,000, and on every 4th statement, you could get a credit limit increase up to a maximum of £3,000.
Can I Use an Argos Card To Withdraw Cash?
Yes, you can use an Argos card to withdraw cash at a cash dispensing point such as an ATM or a point of sale.
Can I Use My Argos Gift Card As Part Payment?
Yes, you can use your Argos gift card as part of the payment. This means that you can use up to three Argos gift cards/eGift cards in a single Argos transaction online.
You can also combine as many Argos gift cards in-store as there is no limit to the number of Argos gift cards to use in-store.
Where Can I Use My Argos Gift Card?
You can use your Argos gift card at credible locations that display the Argos logo. These places include Argos and other retail chains such as Sainsbury’s.
Can I Use Argos Gift Card To Pay Off Argos Card Debt?
No, it is not possible to use an Argos gift card to pay off your Argos card debt.