avoid Argos, they were a complete joke last (or could have been for the X) charging cards promising delivery then backtracking saying they had none
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I went and picked up an Xr today and will return it inside the 14 days. Use to be against doing this but Apple's pricing for the UK has changed my mind!
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Has to be something contractual with Barclays, given the highly desirable item are going to be more susceptible to fraud I assume. Doing it in person must give Barclays some more confidence
If you can get a mortgage online a phone wouldn't be an issue