can people on benefits get an argos card?

[joeski]

would people on benefits be allowed to get one of those argos cards that allows you to pay for things a bit at a time?

[dx100uk]

i would think thats 90% of their customers

 

dx

[joeski]

i would think thats 90% of their customers

 

dx

 

thanks

[RaeUK]

Probably. But, personally speaking, why? I don't see the sense of getting into debt when on a low fixed income. But that is just my own view ...

[estellyn]

It would depend on your credit rating, but the APR for those things is quite high, so I agree with Rae, best avoided.

[assisted blonde]

If your credit rating is ok you could probably get another card at a better interest rate and more flexibility than an argos one.

[LaughingGirl]

It's like any other store card...you do usually have to be employed, I'm afraid. Might get one if you've got a good credit history though.

[san_d]

Probably. But, personally speaking, why? I don't see the sense of getting into debt when on a low fixed income. But that is just my own view ...

Well that's the whole point. Nowadays you must go into debt because you're on a low income.

 

My fear is that one year down the line somebody will ask this question: "I'm unemployed. Why do I have to get an Argos Card?"

[RaeUK]

... Nowadays you must go into debt because you're on a low income ...

 

Oddly enough, for me, the opposite is true. Since having to rely on benefits I have regressed to a complete old fashioned mindset. If I can't afford it I don't have it there and then and save up instead. I don't have any credit cards or store cards and can exist quite happily without them. They are, in my view, quite unnecessary.

[honeybee13]

Oddly enough, for me, the opposite is true. Since having to rely on benefits I have regressed to a complete old fashioned mindset. If I can't afford it I don't have it there and then and save up instead. I don't have any credit cards or store cards and can exist quite happily without them. They are, in my view, quite unnecessary.

 

I agree, Rae, I operate on that principle too.

 

I think the suggestion I might make, if it's practical for someone's circumstances, is to look at the local credit union, who I believe are ethical people. But you have to have saved money before you can borrow.

 

You should be able to find them via the interweb.

 

My best, HB