Aqua Credit Cards Reviews - www.aquacard.co.uk

★★☆☆☆
2.3 / 5
32% of users recommend this
  • Customer service

  • Value For Money

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Latest Reviews

★★★★★

“Pleasant and helpful customer services”

Written on: 21/01/2015 by emmasian86 (2 reviews written)

I have an aqua credit card to boost up my credit report. I recently had a problem with a missing payment. Some money hadn't come off my card. I called the customer services who were very helpful and the duty manager even offered his time to get to the bottom of it. 5 days later the money had gone in. I even got a courtesy call the following week to make sure I was happy and I didn't need anything else. Great service. Thank you Aqua!… Read Full Review

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★☆☆☆☆

“Rubbish!!”

Written on: 18/01/2015

After being a customer for nearly 4 years Aqua customer services blocked my card and ask me to send in paperwork which they have not received and after three attempts they have only recieved one copy so my personal information has been lost by them which is ludicrous!! I still have it blocked and they are still asking for the paperwork it is costing time and money in stamps and effort to sort this out I cannot wait to get rid. Oh and they have increased my limit, a lot of good that is on a… Read Full Review

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★★☆☆☆

“Poor Customer Service”

Written on: 07/01/2015 by Gardnerhg124 (1 review written)

Customer service people don't listen, don't really care, and they are bit rude. … Read Full Review

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★★★★★

“Excellent Credit Card ”

Written on: 02/01/2015 by willbabe (3 reviews written)

I would like to say how happy I am with Aqua credit card this card is brilliant, I have had this card for 6months now and iv managed to pay balance in full or at least paid part of what I owe to reduce the interest . After 3 months my credit limit went up from £300 to £850 which I was most pleased with iv found customer service very friendly and very helpful in the 6months of being a customer. I have to say I did make one complaint to them after I had joined regarding the use of the credit… Read Full Review

Petshopste's Response to willbabe's Review

Written on: 07/01/2015

You went bankrupt and yet you still want credit...Joke

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Willbabe's reply to Petshopste's Comment

Written on: 07/01/2015

Everyone deserve a 2nd chance and that's what Aqua gave me ... However you do learn from your mistakes which is what I have done considering it's been 7 years since iv been allowed to apply for a credit card in my name after bankruptcy . And some don't learn by if they go all hog and end up in debt again then back where they where again bankrupt ... It's a learning curve

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Ohnoyousaidwhat's reply to Willbabe's Comment

Written on: 20/01/2015

no they don't,nobody deserves a second chance

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Willbabe's reply to Ohnoyousaidwhat's Comment

Written on: 20/01/2015

its obvious that people like you lot leads a selfish life and don't want to see people who have had it bad then finally sort them selfs out again and get straight . People like you I hate and I hope one day you will fall on hard times and the same happens to you so you can see what it's like to have a hard life ...

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★★★★★

“Doing just what I want”

Written on: 29/10/2014 by 338Higgins (1 review written)

For many years I've had an atrocious credit history, due to foolish things (ignoring letters from creditors, mainly). I'm OK now but bad credit tends to follow you. I now have an Aqua card; they gave me a low credit limit initially but after a few months paying everything off monthly they've upped my limit by quite a lot. It's good to see my credit history being repaired. They are also very good at responding to online questions (which they do by post, not immediately). I don't quite… Read Full Review

Skybrucelee's Comment

Written on: 07/01/2015

Coming from you,you're a complete joke.. Perhaps some people who have had payday loans ain't foolish its people like you who are...

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★☆☆☆☆

“Minimum Payment Doesn't cover interest”

Written on: 24/10/2014 by definity (1 review written)

I signed up for this card because my credit rating had suffered over the years and it all started out well but now they are ripping me off left right and centre. This month they decided to charge me £30 minimum payment on a balance of just £390. Last month it was £25, the month before that £24 and the month before just £16. They have charged me mutliple times now sometimes twice a month for going over the limit just once because the minimum payment they tell you to pay doesn't cover the… Read Full Review

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★☆☆☆☆

“Idiots!”

Written on: 07/10/2014 by Idiotphobe (1 review written)

I was lured by their ad. on the Amazon website, I filled in their application and withing an eye-blink got REJECTED. I own 3 properties, have almost 100k in savings, have salary over 40k/annum and the idiots REJECTED ME! * Idiots * Idiots * Idiots * … Read Full Review

Amazedandconfused's Response to Idiotphobe's Review

Written on: 01/11/2014

This is a credit card for people with little or no credit history, why are you applying for a card with such a high interest rate if you have such perfect credit? Of course you were rejected because you don't meet their criteria for this product. It's a card with a low starting limit, why would they want to offer it to you?!

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Willbabe's Response to Idiotphobe's Review

Written on: 02/01/2015

If you have loads of money why do you need to apply for a credit card with Aqua ??? Aqua is for people who struggle day to day not rich peeps like yourself .... !!!!!

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★★★★★

“fantastic service”

Written on: 21/09/2014 by justinast123 (1 review written)

Just wanted to say thank you to the adviser at lost or stolen card department. She was very pleasant, polite and helpful. Great customer service! Very pleased with a phone call. Thank you… Read Full Review

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★☆☆☆☆

“Difficult not to swear!”

Written on: 10/09/2014 by wwwserge (1 review written)

Avoid this company if you want to save your nerves. They blocked my account, because I OVERPAID the balance! OVERPAID! It is taking already 1 month to unblock it and still no luck. They reply within 10 days on every letter and this is after I make a phone call asking "what the hell is going on". Strongly advise not to use them, this company is complete JOKE… Read Full Review

Rmadillo's Response to wwwserge's Review

Written on: 17/09/2014

Similar has just happened to me. I have overpaid by mistake and my card is 1k in credit. Cust services tell me I have to wait for a letter from head office and won't give me a number to call! Making me feel like a criminal!

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Wwwserge's reply to Rmadillo's Comment

Written on: 17/09/2014

I've sent them my ID, prove where the money came from and prove of address, that was on 3rd of October (2 weeks ago now).
One week after that I called them and they said they want something else from me, so I have to wait for another letter again.
One week later (2 weeks in total) still haven't received anything! Make my blood boil.
Have just called them again and the card is unblocked (!!!) since 10th (the day when they said I need to wait for another letter)!

I asked them to transfer the money back to my account where they came from, as I really have had enough and want to close the account, they said they won't do that and I need to ask my bank to get the money from them as "paid by misted" thing, it will take further 5 weeks for the money to be transferred back to my current account.

I've had some other problems with them in the past, but this is a different review, it's about what they do so you don't get you CASH BACK they advertise.

In one word - AVOID THIS COMPANY.

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Jazminz's Response to wwwserge's Review

Written on: 02/11/2014

I have experienced the same problem today, I overpaid my account.I tried to buy something and my card was declined and when I called them they said that my card was being held at head office for security reasons and it could take from 7 to 10 days to be able to use my card again.I'm really worried now.Has your account been already unblocked ?

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★☆☆☆☆

“Rip off company”

Written on: 02/09/2014 by Tyree221 (1 review written)

As your balance increases and they spot you are only making minimum or near to minimum payments, they keep putting the interest rates up (to 40%) so that the payments are not clearing any of the debt. How they work the charges out I do not know, as a £50 monthly payment in my case was nearly £40 interest. Do NOT go anywhere near this company unless you can repay in full each month, and just use them for credit rebuilding… Read Full Review

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★★★★★

“No Problems”

Written on: 14/08/2014 by qgDwyer142 (1 review written)

I've had a card with Aqua for over a year. Never had any issues till today. I called customer services. My query was dealt with promptly, efficiently and in a helpful and friendly manner by the two people to whom I spoke. Would recommend them… Read Full Review

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★☆☆☆☆

“ok to build credit. but try vanquis first ”

Written on: 25/07/2014 by queensclose (6 reviews written)

ok to build a credit builder. they promise the rate will drop every year as long as you stay in your limit and maintain monthly payments. just reading the small print and last march they raised peoples interest rates by 6% less 1% to 5% if you never missed a payment. i wonder how many people know this. i checked mine lucky the balance is zero and yes thats what they did. customer service said they increased the interest rate because of the unsteady market. but i still got a reduction of… Read Full Review

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★★★★★

“Very Happy”

Written on: 22/07/2014 by Sanaiq6 (1 review written)

Took out my Aqua card in October 2013 and got a limit of £250. Was very happy as i have an appaling credit file since loosing my Job in 2011.Has taken 3 years to get back to obtaining credit again . However with the mortgage now paid off life is much easier.Anyway my limit was raised to £750 in March this year and to £1800 in June. Always pay off the balance each month and have never had any problems. Just got this month a Vanquis card with a £2750 limit so i guess at long last i am getting… Read Full Review

Bellalee's Comment

Written on: 31/08/2014

To be honest no mainstream lender will even consider you with even satisfied CCJs. Perhaps if you cleared your debts of every month before loosing your job you wouldn't have any adverse credit! Think about this,you never cleared your debts every month resulting in defaults etc,yet you clear them now. It seems to me you haven't really learned your lesson. The most expensive credit cards on the market. I can see you screwing up again...

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Willbabe's Comment

Written on: 02/01/2015

I have to say Vanquis credit card is a rip off if you spend up to your limit with Vanquis you will never see the end of a tunnel as with a £2000 debt with Vanquis will cost you £120 per month as minimal payment there interest is like 39.9% or more . Yes Vanquis are very quick to give that limit but as a previous customer they want there money back very quick too and if you don't pay them or miss a payment Vanquis will ban you for life for applying for there credit card again. Be careful ....

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★★★★★

“No problems”

Written on: 20/07/2014 by Maxwellf44 (1 review written)

Been with aqua for four months, started on £500 limit and contacted them to increase limit and done so straightaway to £1200. I always pay the balance in full and hopefully will build my credit… Read Full Review

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★★★★★

“Excellent credit building card”

Written on: 05/07/2014 by KaraMoore (1 review written)

When I came here to the UK nobody wanted to approve my credit card application. I've been with Lloyd's Bank for 4 years now. Even them rejected my credit card application. I've tried Barclays. They rejected me as well, then I saw an ad for aquacard and although I read some very bad reviews about the company I thought to myself 'what the heck' I don't mind so I applied for a credit builder card and I got accepted. My initial credit limit was £250, then after 3 months they saw how I managed my… Read Full Review

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★★★★☆

“EXCELLENT CREDIT BUILDER”

Written on: 04/07/2014 by Herndon485 (1 review written)

Excellent credit building card, £300 starting limit ..... 3 months later £900 limit given ..... 3 more months later £1500 limit given. Customer services fine, no problems, as long as you pay it every month you have no problems from them. Much better company that the other bad credit providers… Read Full Review

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★★★★★

“Good file builder ”

Written on: 28/06/2014 by LFCLFC (2 reviews written)

Just had a quick read of reviews on here and can't say I've encountered any problems as of yet. I started with a low limit December/13 and 6 month on just had my 2nd automatic limit raise to £1800. I always pay well before due and have a direct debit set up for the minimum payment just to be safe. The Apr rates are pretty horific but if using the card as a credit builder (as advertised) and you pay the whole balance off or leave a little bit on, you don't pay the interest and it certainly… Read Full Review

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★★★★★

“Good file builder ”

Written on: 28/06/2014 by LFCLFC (2 reviews written)

Just had a quick read of reviews on here and can't say I've encountered any problems as of yet. I started with a low limit December/13 and 6 month on just had my 2nd automatic limit raise to £1800. I always pay well before due and have a direct debit set up for the minimum payment just to be safe. The Apr rates are pretty horific but if using the card as a credit builder (as advertised) and you pay the whole balance off or leave a little bit on, you don't pay the interest and it certainly… Read Full Review

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★☆☆☆☆

“Customer Service LINE not available”

Written on: 17/06/2014 by yulanda (1 review written)

Tried to use my card at the cash point and purchase goods over the internet, my card would get declined and will constantly say contact issuer. Tried to call customer helpline number more than once, they ask for my 16 digit number, they will then say we are transferring you, then it would take me to an a payment line. I cannot get hold of them whatsoever, filled out a complaint on the website no one has got back to me. NEED HELP!!!!!… Read Full Review

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★★★★★

“Great experience with Aqua”

Written on: 16/06/2014 by maquinn1974 (1 review written)

I have had my Aqua classic card for about 6 months, I had one 5 years ago and was made insolvent so I was surprised to get another after my last one went as part of my insolvency in 2009. My credit limit was £250 to start, I always make the minimum payment then I also make additional payments to clear the balance before the statement date of around the 18th of each month, so the interest is minimal. Now 6 months on I have a credit limit of £1200. Customer services have always been great in… Read Full Review

Yulanda's Response to maquinn1974's Review

Written on: 17/06/2014

what number did you call for customer service. When I tried to call the 0845, it redirects you to a repayment line which is not what i want

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Maquinn1974's reply to Yulanda's Comment

Written on: 18/06/2014

[Removed] is the number Ive always used without any issues, sometimes takes a while to answer, I also use my account online.

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