Argos Card FAQs

How do I make a complaint about my Argos Card?

We’re sorry to hear you’re having issues with your Argos Card. As a first step, feel free to call us on 03456 400 700 for a chat and we’ll do our best to fix your issue. But if you still want to make a complaint, there are a few ways you can do this:

  • Give us a call on 03456 400 700
  • Write to:
    Home Retail Group Card Services Ltd,
    P.O. Box 211
    HD8 1FA

We’ll do our best to respond ASAP and resolve your problem within three working days. Even if it does take a bit longer than that, we’ll keep you updated along the way.

If you aren’t satisfied with how we’ve dealt with your complaint, you can pass it on to the Financial Ombudsman Service to look into, via the usual channels.

  • Write to:
    Exchange Tower
    E14 9SR
  • Give them a call on 0300 123 9123

One thing to note about the Financial Ombudsman though... The Ombudsman offers a free independent service. But before they look at your complaint, they’ll ask you to give us the opportunity to put things right for you. If you’re just generally curious about the Financial Ombudsman and what they do, see their website.

If my Argos Card application isn’t successful, can I re-apply?

Absolutely – just give it 1 month before re-applying.

My Argos Card has been lost/stolen – what should I do?

Let us know immediately by calling us on 03456 400 700.
We’re available…
Monday to Saturday, 8am to 6pm
Sunday, 10am to 6pm.

How do we communicate our complaints information?

We strive to make your Argos Card experience a great one. But we also recognise things can go wrong and that's why your feedback is so important.

To help us improve or get something fixed, please get in touch by calling 03456 400 700 or writing to:
Home Retail Group Card Services Ltd
P.O. Box 211

Click here for a summary of our complaints data so you can see how we're doing.

What if I can’t make my Argos Card payments?

Please call us on 03456 400 700.

We completely understand that, from time to time, your circumstances might change and you might struggle to make a payment. If you’re having any problems at the moment, please do call us and we can talk through which options are available to you.

What are the Argos Card T&Cs?

When it comes to finances, we understand there’s often a lot to read through and get your head around. The T&Cs in the link below are really important as we want to make sure the Argos Card is right for you and you have all the info needed.  

If you have any questions, please get in touch.   

For new applications and for customers who took out an Argos Card on or after the 1st September 2020 click here for the T&Cs.  

If you took out your Argos Card between 12th November 2019 and 31st August 2020 inclusive, click here.

If you took out your Argos Card before the 12th November 2019 your T&Cs are here.

Can I use my Argos Card to shop anywhere in Sainsbury's?

Mostly, yes - you can use your Argos Card to buy groceries, Tu Clothing, Homewares, Electronics – basically anything that’s stocked in Sainsbury's and Sainsbury’s Local stores. You can also use your Argos Card to buy fuel at Sainsbury's petrol stations, excluding Pay At Pump and to purchase any goods at Sainsbury's petrol station convenience stores. With the Argos Card, only normal credit is available in Sainsbury’s. 

However, you can’t use your Argos Card to shop online at or when using the Sainsbury's app.

There are also a few places within Sainsbury’s where you can’t use your Argos Card to buy anything:

• Sainsbury’s in-store Travel Bureaux

It’s just a systems thing, sorry!

One more thing to note - Argos Gift Cards/ eGift Cards cannot be spent in Sainsbury’s stores. However, if your local Sainsbury’s has an Argos-branded concession inside it, you can use it there.

Will my Argos Card application involve a credit search?

If you apply in-store in an Argos store: your application will involve a credit search. 

If you apply online via a Quick Check Application: we’ll tell you whether you’re likely to be accepted before you actually submit your application. This won’t affect your credit rating at all. Then, if you decide to complete the application, a successful search will be added to your credit history.

PPI Complaints

The PPI complaints deadline has passed. The FCA set a deadline of 29 August 2019 for PPI complaints and delivered a nationwide communications campaign to raise awareness of this deadline among consumers. If you didn’t make a complaint to us on or before 29 August 2019, you can no longer claim money back for PPI by complaining to us or the Financial Ombudsman Service.

Previously had PPI on your Store Card? Further FAQs here.

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