Frequently Asked Questions

“We/our/us” refer to Vanquis Bank unless stated otherwise.

Borrowing with a Credit Card

Is a credit card suitable for me?

What does an Argos Credit Card do?

How long do I have access to the credit?

How much will you lend to me?

Why do you have more than one interest rate on my account?

How much will it cost me?

What is Repayment Option Plan?

 

Your Argos Credit Card application

I've been declined for a credit card before - will my Argos Credit Card application be declined?

How do I apply for an Argos Credit Card?

Is there a cost for applying?

How long will it take to get a response?

How do you work out my interest rate?

What happens if my Argos Credit Card application is successful?

What if I change my mind? How long will I have to cancel my Argos Credit Card?

How long will it take between applying for an Argos Visa Card and receiving one?

Why has my Argos Credit Card application been declined?

 

Using your Argos Credit Card

Where can I use my Argos Credit Card?

How can I keep track of what I spend on my Argos Credit Card?

What will be the credit limit on my Argos Credit Card?

Can I increase the credit limit on my Argos Credit Card?

Can I withdraw cash on my Argos Credit Card?

Can I use my Argos Credit Card abroad?

What are the charges for using my Argos Credit Card abroad?

What are the Exchange Rates for using my Argos Credit Card abroad?

 

Paying your bills

How can the Argos Credit Card help me build up my credit rating?

How can I make a payment to my account?

What is a Continuous Payment Authority and how do I set one up?

When I make a payment what gets paid off first?

What happens if I keep making the minimum payment and how long will it take me to pay off my debt?

How often do I have to make a payment and how will I know how much to pay?

What happens if I don't pay?

What should I do if I'm having trouble paying my bill?

Managing your account

Can I manage my account online?

What should I do if I have any questions about my account?

Can I withdraw my application?

Can I add an additional cardholder to my account?

What if my balance gets too high?

Why might my interest rates change?

How often do you change my interest rate?

Can I keep my interest rates on their current rates and pay off my debt to you?

Can my statement be sent to me in Large Print, Audio or Braille?

If I have a disability or medical condition that affects my ability to run the account, what can Vanquis Bank do to help me?

How can I get a PIN reminder or a new PIN?

How do I report a lost, stolen or damaged card?

Credit card cheques

How do I query a transaction on my account?

 

Support/feedback

I'd like to talk to someone about the Argos Credit Card before I apply. Can I do that?

Who can I contact if I am having problems completing my online application?

Do I need any special software to use the site?

My Internet Browser is not showing the site clearly, why is this?

Is the information I give you on this site secure?

What should I do if I have a complaint?