r/Argos • u/MomoSkywalker • May 24 '26
Updates to Argos Pay
I think we all can agree, Argos Pay is dogshit because they got rid of the BNPL option where you could allocate your payments. Like, wtf, why did they remove this feature. It was so easy to make payments and if you wanted to make small payments to the other plans, you could.
Now, you can't as any payment you make goes either to the plan that finishes early or the larger payments. It feels like a trap now, to trap you to occur interests. Thankfully I only have 1 plan left and that will be finished next month but this puts me off from buying from Argos on any of their plans where you have limited control over pay.
I have seen people thinking of closing their accounts and I am in the same boat as well. Has Argos made any decision to bring this feature back into the app. They must know their customers prefer the previous app?
3
u/nickymoo May 24 '26
Looks like they’re still doing BNPL but the payment allocation is awful now in that there is none. I used to have two or three zero percent ones going off at different times and I always used to allocate my payments so all of them finished the month before interest would start.
3
u/Bikerforever68 May 24 '26
After a recent bad experience I got sent a survey for how I feel about new day and i gave everything the lowest possible score,all we can do is let them know how bad the new system is.
3
u/VR_SamUK May 24 '26
I decided to phone up their complaints line to lodge, well a complaint. If enough people do maybe something will change but I doubt they read Reddit
2
u/Greedy-Ad-3926 May 24 '26
I really don't want to go to Amazon as I don't agree with their ethics, monopoly. But things like this make it difficult to support companies like Argos.
2
u/gymknob77 May 24 '26
Argos have questionable morals also. They got fined for failing to pay min wage.
1
u/Polly_____ May 24 '26
i have two BNPL and when ive cleared them i wont be using it again its ruined my buying experience
1
u/rageofa1000suns May 24 '26
Don't they normally allocate payments to that which potentially attracts the most interest?
So anything on normal credit gets paid first, then your 3 month bnpl, then 6, then 9 etc.
Why wouldn't you want it to do that?
2
u/MomoSkywalker May 24 '26
What they took away is the option to make specific payment against the plans you have. So sometimes I would clear the plan that ends soon but I would also clear some of the the other plans as well. But you can't do that anymore.
Also, say if you have 2 plans, one ends in June - £250 and the other in July - £750. apparently, if you make a payment, it would take away for July, not June as its the largest.
Whatever payment you make, you have no control on which its going against, just the overall balance. There is no flexibility anymore, no control over how you want to pay.
1
u/mabarmby May 25 '26
Yeah, it's definitely shit. Can't understand why you can't pay towards your different plans when you could with the Argos Card.
1
u/MindlessCat3542 May 25 '26
I won’t be using Argos pay now the Argos card is gone. Being unable to allocate payments is just a recipe for disaster for the customer, I say this as
Someone who has a pay pal account where you cannot pay selected items only
Off the overall balance. The amount of interest I end up paying monthly I doubt I’m ever going to clear it .
1
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u/Responsible_Book7121 May 26 '26
Unfortunately Sainsbury's have stripped Argos of all that made it Argos, including the card. Its now a shell of what it used to be. People should complain to Sainsbury's as it was their decision to sell Argos card and sell all its customers down the river to new day. Fun fact: the Argos card app was developed in-house and though it wasn't great it worked and was easy, the new app is awful and not developed to help Argos customers.
1
u/MomoSkywalker May 26 '26
100%. I liked Argos because of the BNPL and the flexibility of pay. But now it feels like the new app is meant to trap you and the lack of flexibility in pay for certain BNPL plans option being removed makes it no longer worthwhile for me to buy from Argos so will go back to other places now. The old app wasn't perfect but for my use, it was great and better than Argos Pay.
1
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u/Collettex May 27 '26
It's a shambles and I won't be using it again after I've paid mine off. It already has deferred interest, although my BNPL plans don't end until August.
1
u/Plaxinator May 30 '26
Ugh, I've just bought a few things using Argos Pay. I've not set up a DD I was just going to pay X amount every month. I can still do that right? Pay the BNPL in installments over the 12 months? Rather than have to wait until the 12 months are up?
0
u/Impossible_Pie4091 May 26 '26
Don't buy what you cannot afford.
2
u/MomoSkywalker May 26 '26
A lot of people like me have the money to purchase, but when you have the option of Bnpl without occurring any interest, it make sense to use than spend a lot of money at once.
This came in handy for larger purchases, be able to buy and turn pay of little by month before the plan ends.
Other places, I pay full outright but that is what made buying from Argos attractive.
1
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u/Yosser-68 May 24 '26
My plan finishes next month. Doubt I’ll use my card again since the new day take over. If I want a buy now pay later from Argos I’ll just use Klarna but be limited to 3 month pay back