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

★★☆☆☆
2.3 / 5
174
34% of users recommend this
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Latest Reviews

★☆☆☆☆

“Don't use Aqua (Newday) Credit Card.”

Written on: 29/01/2016 by NoraMatthews (1 review written)

I would not recommend Aqua Credit Card as they do not honour their side of the Contract with the Customer. They have awful Customer service & there is lack of Communication between the actual different sections of the team. Aqua is actually run by a company named Newday company. Due to Aqua not fulfilling their side of the contract with me they have Black listed me very bad & they shouldn't have as it is them that is not honouring their side of the contract so basically they have Black listed… Read Full Review

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★★★★★

“Great experience!”

Written on: 27/01/2016 by Roberts289 (1 review written)

I applied for an AQUA card about 4 months ago to build up my credit score. I've just had my first increase from £250 to £550 (which you don't have to accept) they advise you to always keep £10 unspent on the card to cover your interest so you don't go over and get charges. Its easy to make payment online the website it user friendly I even find the customer service phone line easy to use. I'm overall really happy so far with my aqua and would most certainly recommend!… Read Full Review

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★★★★★

“Thank you aqua”

Written on: 25/12/2015 by JonasFischer297 (1 review written)

I have just started with a £250 limit but already my credit score is up. you do get a negative by having a card that is under £1000 this was explained to me by Experian. but if I keep borrowing and repaying each month I will get the credit limit up to £1000 in no time and the negative of having a card under £1000 will be removed :) thank you again aqua for helping people like me out huuuge thank you it took about 5 days for it to come and to repay the card you use needs to be registered… Read Full Review

Angie1706's Comment

Written on: 30/12/2015

Hi there,
Just got accepted and recieved my pin today so card should arrive soon, however after reading all the negative reviews in here i am getting worried

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★☆☆☆☆

“You can't pay over the internet if abroad”

Written on: 19/12/2015 by 462Grantham (1 review written)

I live outside Uk and can't pay my bill unless I call on my mobile which is expensive .when I contacted Aqua I was told google chrome was problem.It isn't I am using safari on apple and it won't let me pay .I am not paying excessive call charges from USA so won't get paid till January … Read Full Review

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★★★★★

“Happy so far”

Written on: 08/12/2015 by vySweeney194 (1 review written)

After reading a lot of negative replies to people's post its seems like people just like a moan. Got my Aqua card with a limit of £250 nearly 30 months ago. I got a letter through the door with an increase to £1250 which is say is a big jump for a company considering my credit rating is pretty poor, but I'm not complaining, it'll only help my rating. It's always handy for car repair bills etc. It said it goes on in 40 days but I phoned up got straight through and they upped it straight away… Read Full Review

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★★★★★

“Fantastic”

Written on: 08/12/2015 by Rayish (1 review written)

Started with a limit of £300 now 24 months later £3500. Have always made payments on time. Direct debit set up also make additional payment every month. I have my statement ordered online, so no excuse. Having had this card I have used it to build my credit dramatically and it has worked. Never had a problem with staff. My advice is: if u decide to use your card to the limit and then decide to make minimum payments h will incure Apr and interest every month, ur balance will not reduce… Read Full Review

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★★★★☆

“So far so good”

Written on: 26/11/2015 by Chris4171 (2 reviews written)

After many years of being declined Aqua said yes. It was a little slow getting the card while ID checks were being made but this shows they are responsible Leander's. I have a low limit but in time I know it will rise. Easy to use online banking watch this space… Read Full Review

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★☆☆☆☆

“Shambles”

Written on: 11/11/2015 by Disgusted54356 (1 review written)

Got a letter through the post today,asking if I would like my credit limit increased from 600 to 800 as I'm such a fine customer.i thought,wonderful,I ll phone them.the plastic adviser tells me I'm over my limit and no increase can be made!!i have maintained payments on time and now they say if payment is made in a bank,it takes 7 days to get to them!they really know how to get their cash out of people!...please,avoid Aqua,whatever you do.no wonder they're not a household name!… Read Full Review

Richieguk's Response to Disgusted54356's Review

Written on: 02/12/2015

To be honest no Bank in a million years will give u further credit if u go over ur limit! The letter was probably sent before u went over the limit anyway. Remember, its the Banks money and they are lending it to you in the form of a credit card.

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★☆☆☆☆

“DISGUSTING!? ”

Written on: 11/11/2015 by dadz213 (1 review written)

This has to be the wrost company going. The superviser Mark peters was no help at all. Blunt answers and no infomation. (trying to avoid the problem) Also who ever listens to the call recording clearly has no brains. Only I can cancel my card.. no body else. Its even written on your terms and conditions. No one requested for my card to be canceled in the first place. I even had proof of that yet nothing was done!? It was miss understood by one incompitent person. I advise anyone thinking of… Read Full Review

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★☆☆☆☆

“Fraudulent Transaction On Card”

Written on: 09/11/2015 by Jrussellram (1 review written)

I have had my account for a few months without problems and then suddenly a large transaction went through that I have not authorised. I don't know where this came from and it has taken me over my credit limit. Aqua told me I must try to resolve the situation with the merchant but since it's fraud and I don't know who the merchant is this could be difficult! My account has been frozen and Aqua say I must bring my account back into order because it's over the limit. HELLO!!!! This us because of… Read Full Review

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★★★★★

“Credit increase ”

Written on: 22/10/2015 by 346Regan (1 review written)

I have had my aqua card for a year starting off with £250 credit limit just had my 3rd increase to £1700 , I pay in full each month & pay online I'm very happy with them… Read Full Review

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★★★★★

“A good card to build up credit history”

Written on: 19/10/2015 by slyspacewolf (1 review written)

I find it very worrying that there are so many bad reviews for this card are there really that many people in the UK who do not know how to service a credit card correctly?, I never had a credit history and could't get a phone or anything else that needed contracts, I got a aqua card as advised by my bank and after 8 months I now have a contract phone and did a balance transfer to barcleys card, None of these things I could do before I got the aqua card. When I called to close the account after… Read Full Review

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★☆☆☆☆

“Absolutely shocking! Reduced me to tears. ”

Written on: 14/10/2015 by InfectiouSmile1980 (1 review written)

I've had my Aqua credit card for just under a year and have had nothing but appalling service from their Customer Service team since day one. I've made all my payments on time but in the first instance I did an online transfer which they claimed they hadn't received, there was lots of to-ing and fro-ing between Aqua, me and my Marks & Spencers bank account because Aqua wouldn't accept any responsibility for their online services not working. I've now opened a Barclaycard hoping to clear my… Read Full Review

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★★★★★

“UPDATE ON AQUA CARD”

Written on: 11/10/2015 by captpolo (1 review written)

For those of you that are interested since getting my Aqua card 2 years ago. Since getting my Aqua card just over 2 years ago my credit limit has gone from £250 to £10000(yes ten thousand pounds)!!! Now lets be very clear about this , I still have the basic Aqua start card and the APR is a whopping 49.9%. I have never paid a penny in interest and always clear my balance each month. With regards to my credit file I still have 4 defaults and one ccj but they are all satisfied and am just coming… Read Full Review

Marlowwright's Response to captpolo's Review

Written on: 14/10/2015

You're a liar. I use to work for them nobody gets that amount on a subprime card

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Captpolo's reply to Marlowwright's Comment

Written on: 14/10/2015

And you are an idiot. How do you know? All peoples information is private and everyone is different. I spend £2000 per month and always pay it off. I have spoken to the legal department at Aqua and staff don't have access to clients details. Furthermore there is no upper limit on credit limits. I have no reason to lie why should I. This is meant to be a review site. Any other derogatory comments will be reported.

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Kelliewrightanangel's reply to Captpolo's Comment

Written on: 18/10/2015

You are full of rubbish. I agree with the previous reviewer. Feel free to report you stupid person. That persons comment is not derogatory. Someone who use to work for that company would know what credit limits people get. End of the day you have an aqua card that's for people with bad credit or I'm I missing some thing here.

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Captpolo's reply to Kelliewrightanangel's Comment

Written on: 18/10/2015

Another person who knows nothing! I used to work for standard charter and you were never able to get access to other people's info. ITS CLASSIFIED!! Aqua have got over 100000 customers does a clerk know all those limits.? All these negatives comments you certainly are missing the point!

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★☆☆☆☆

“Avoid at all costs”

Written on: 02/10/2015 by BayleeWallace (1 review written)

I got this card to help me when money was tight. Aqua are more than happy to accept you for a card and then allow you to use the credit. When it comes to paying the money back its a nightmare!!! i couldnt re pay online so rang them. i spoke to a guy who said the address on my account and my debit card account didnt match. Turns out he had inputed my address for my debit card wrong! no apology this was my fault apparently. Then i asked for the bank details for aqua which were speadily read out… Read Full Review

Brydo81's Comment

Written on: 24/10/2015

I agree with you on that. I have been receiving paper statments since month 2 but then in month 4 i decided i would rather have the paper statements to keep and look back on if need be, everytime i log in and request paper capies i get an error message and im not phoning the 0845 number

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Isil's Comment

Written on: 23/11/2015

Haha mines the complete opposite. I receive paper statements and want to switch to online statements only but every time I try I get an error message.

I phoned Aqua only to be told to try and use another web browser lol.

I then phoned them back and was told this is something they are aware of and trying to fix.

This has been ongoing for the past 3 months, surely it shouldn't take that long to sort out.

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★☆☆☆☆

“Aqua MAster CArd”

Written on: 26/07/2015 by Anastasia1983 (1 review written)

LAst year after a lenthy periode of time away from the UK, I returned so not having any credit level, Ia pplied online to Aqua and they granted the card only asked for some proof like driving licence, despite them increasing my limit 2 times in 12 months started with £300 In July then £700 then In January and then £1500 in June, So i booked a holiday for July with the increase limit, despite never missing a payment and always paying at least half of the statement every month, I know find out… Read Full Review

Hertingford's Comment

Written on: 08/10/2015

So you basically missed a payment and they blocked your card whilst you were on holiday. This is not Aquas fault, you are responsible for paying your debts on time.

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★★★★☆

“I applied for this knowing I had a bad credit history...”

Written on: 11/07/2015

I applied for this knowing I had a bad credit history but wanting to rebuild my credit rating. I was approved and of course couldn't resist the temptation to blow it all. For months I only paid the minimum and often missed payments because I was out of work so incurred late charges and fees that were taking me back over my limit and therefore incurring more fees every month - which I felt was very unfair until I realised it was my own berk of a fault and that CREDIT CARDS ARE NOT FREE MONEY!!!… Read Full Review

Zeldahatesterrahawks's Comment

Written on: 18/07/2015

Seems to me you haven't learnt your lesson.. IDIOT

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★☆☆☆☆

“Do not take out a aqua credit card”

Written on: 08/07/2015 by Chayas330 (1 review written)

I took out a credit card with aqua, I started paying back what I had spent on the card, before my statement was due. I received a rude phone from one of their 'not so bright' representatives and decided to pay off the balance and cancel the card. The day after paying 'all' the balance and cancelling the card Aqua charged me interest on the outstanding balance I had just paid off. They removed the interest and told me they would credit £10 into a debit account of my choice. I agreed to this… Read Full Review

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★☆☆☆☆

“STAY "WELL" Clear of this joke company...!”

Written on: 05/07/2015 by thomasjoe (1 review written)

This company are a JOKE - they have the worst customer service in the UK I am currently taking them with a claim through the ombudsman for lying and deceiving me. DO NOT HAVE ANY cards with Aqua ..AKA "New day" stay well clear. Even vanquis cards are 1000 times better have a card from them instead. IF you have any issues with newday take them to the Ombudsman, remember it costs then £500 regardless of whether you win or not... :-) thus costing this parasite of a company..lol Give them… Read Full Review

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★☆☆☆☆

“Worst and it destroys the crediting rating more”

Written on: 30/06/2015 by Kian394 (1 review written)

Worst experience I and my family got with them....their marketing skills are hopeless .... Making customers fool to apply and to re-apply again .....but in second hand we are getting tracked by credit score, we get more poor rating, if we try again and again.... They destroy the credit rating ! , Not happy… Read Full Review

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