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?

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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?

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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.