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

★★☆☆☆
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195
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Latest Reviews

★★★★☆

“A Decent Company”

Written on: 05/09/2016 by Terry323 (1 review written)

I got into debt after redundancy and illness After getting back into work I still had a poor credit history and no prospect of even a small amount of credit. 

Aqua showed some trust in me. They gave me a very manageable credit limit and are helpful, friendly, and straight talking. 

I appreciate the chance they gave me and would highly recommend them to anyone who finds themselves in a similar position to the one I found myself in.
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★☆☆☆☆

“INCREASE of interest rates and DECREASE of service”

Written on: 17/08/2016 by Parathion (3 reviews written)

I accepted a lot in my life, even when AQUACARD increased the rates from 29.71% to 38.96% in April 2016, but now they're going to increase it again in October 2016 from 38.96% to 42.58% !! This is not just cheeky, but I call that a kind of criminal... First you're lured into signing up with them to get a credit card which will allegedly increase your credit rating, then they put thumbscrews on your fingers and screw them gradually down until you end up screaming in a debt trap... Due to a car… Read Full Review

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★☆☆☆☆

“worst company ”

Written on: 11/08/2016 by yassine85 (1 review written)

I have set a direct debit with Aqua and they never took the money. I signed up for this credit card just to improve my score. But it never did. I tried calling them and again None replies. If you want to ruin your credit score, Go For Aqua. It is messed up my credit score. So i decided to speak to my bank about a credit card which they issued for and my score skyrocketed straight away in 5 working days instead of waiting for these scums to pick up the phone and take the payment. Never got hold… Read Full Review

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★★★★★

“Helped me out when no-one else would”

Written on: 11/07/2016 by 22Rose (1 review written)

After falling into debt when I had a lower paid job I couldn't gain credit anywhere despite being in a much better financial situation now. I applied for an Aqua card as a last ditched attempt to improve my credit score and I was amazed to be accepted for an initial limit of £300 of which I would only spend a maximum of £100 of and pay in full every month. Three months later I was offered and accepted an increased limit of £950. This card does have a high APR but doesn't affect you if you… Read Full Review

Bigbirdpatttt's Comment

Written on: 23/09/2016

Giving advice on clearing your card off every month perhaps if you cleared your cards of every month prior to a much better financial standing you wouldn't need an aqua card would you. numpty springs to mind here

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★★★★★

“Great service”

Written on: 29/06/2016

Aqua gave me a chance when my credit rating wasn't too good and it has since helped me to rebuild my credit rating to a good score which has enabled me to get one of the well known credit cards with a much lower Apr, it is a good card to get started with and if you use it sensibly and pay on time you will usually get a credit increase after a few months… Read Full Review

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★☆☆☆☆

“Worst company ever”

Written on: 19/06/2016 by Claire7485 (1 review written)

Barclaycard are amazing....deal with Aqua at your peril. Nearly 40 phone calls made to try and pay my account with their systemic failures...and they charge me. And wreck my credit score when all I ever wanted to do was pay the card through ANY of their failed channels. Rude,pedantic unfriendly staff....speak to you as though you are lying....AWFUL....All my custom now will go to Barclaycard who bend over backwards to HELP and listen to their CUSTOMERS... Never again will I deal with Aqua… Read Full Review

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★★★★★

“Aqua Card”

Written on: 17/06/2016 by boltonfan (1 review written)

2 years ago I had a zero rating credit history it was so bad I couldent even get a crapy loan off wonga 2 years later i now have a Aqua card with £3450 limit a Fluid card with £2000 a MBNA platinum card with £1700 limit a car loan of £10,000 this is all thanks to Aqua for giving me a chance to start again I never pay any interest or any bank chargers my credit score as gone from nothing to a good score. Thank you Aqua… Read Full Review

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★★☆☆☆

“sign in”

Written on: 12/05/2016 by mrazey (1 review written)

I cant log into my account and there is not number were I can speak to a person, has the site gone down ????… Read Full Review

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★★★★★

“Fantastic”

Written on: 28/04/2016 by MaximEnglish494 (1 review written)

Aqua credit card were the only people willing to give me a chance , I messed up in life a few years ago and ever since no one wanted to know .. Not even my own bank ... Now thanks to aqua I'm building a fresh credit rating and have been given the chance to prove that I'm not a bad risk . Basically Aqua have made me feel that I'm trustworthy , it has given me my self respect back were financially no one would give me a chance and the customer support that I've encountered has been great… Read Full Review

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★★★★★

“Thanks Aqua ”

Written on: 17/04/2016 by Fletcherds172 (1 review written)

Aqua gave me a new start when no one else wanted to know I started with a credit limit of £250-00 which after 14 months my credit limit as risen to £3450-00 I have never had any problems when phoning them and never no problems paying my bill on line. I now have a good credit history which as allowed me to apply and be accepted for a Fluid card and an MBNA platinum card along with getting finance for a car. I never pay interest as my bills are always paid in full every month. I suppose that if… Read Full Review

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★☆☆☆☆

“Aqua card It is terrible”

Written on: 02/04/2016 by KateShelton (1 review written)

With Aqua Card my score was much went down. I do not recommend this card to anyone… Read Full Review

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★★★★★

“very good”

Written on: 01/04/2016 by Monahanbu321 (1 review written)

Had this card for around 7 months, with 1 credit limit increase. initially had £300 went up to £600. My credit history is very very bad, so i am pleased that i have been given the chance to repair it! tooke about 5 days to arrive after my application online… Read Full Review

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★★★★★

“Good service”

Written on: 27/03/2016 by Esunnie (1 review written)

I have had Aquacard along with my HSBC and Halifax Credit cards. I have had several credit limit increases in the last two years despite its minimal usage. No complaints… Read Full Review

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★★★★★

“Great if you're sensible with it.”

Written on: 24/03/2016 by McLeod17 (1 review written)

After a history of poor credit applied for, and got an Aqua Card. Only used sparingly and paid off full amount each month and after 12 months my limit has gone from £300 to £3,400. This is helping repair my credit worthiness and has been a wise acquisition. NOTE: Just spend what you know you can repay in full every month as charges are very high… Read Full Review

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★☆☆☆☆

“Absolutley Uselss”

Written on: 23/03/2016 by Jerimiah127 (1 review written)

I took out this credit card to build up my credit score, which it did at first but have since sent it back down the toilet. I was using it as instructed paying for a few odds and ends then clearing the full balance monthly, then I made the mistake of ordering something online. Aqua have very poor security for internet shopping, they actually ask you for nothing when your card is used. Needless to say I had fraud done on my account. The charges were for Amazon which I've never purchased from, I… Read Full Review

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★★★★★

“A fantastic credit card for people with adverse credit”

Written on: 20/03/2016 by Shaun1985 (1 review written)

I'd like to start with a big thank you to Aqua for providing me with a credit card! I had been irresponsible with credit in the past which led to me having a rubbish credit rating. I applied for a credit card with Aqua and was accepted online, a week later the card had arrived with an £900 limit. 3 months later they increased it to £1800 and a few more months later to £3000. I never spend more than £200 a month on it and always pay it off in full each month. It's nice and easy to make a… Read Full Review

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★★★★☆

“Great if Managed”

Written on: 10/03/2016 by Kiannag236 (1 review written)

I can't quite believe how many negative reviews there are of this card..this is a sub prime credit card so all the people moaning and saying they've now got a Barclaycard etc why did you even apply in the first place if your credit rating is good enough to not have to go with a sub prime lender?! its not rocket science...pay on time and stay within your limit (allow space within your limit for interest charges if you are intending to carry a balance) If you are forgetful set up a direct debit… Read Full Review

Richardloudmouth's Comment

Written on: 16/03/2016

You don't have a credit score fact,I'm guessing you're one of those idiots who pay a monthly fee,you can still have a score of 800 and have multiple defaults and you'll be refuse credit. I had no credit so I used the aqua card for 12 months applied for a barclaycard as I was previously refuse and was accepted with a limit of £8k giving advice on here and your credit was poor is quite laughable.

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★☆☆☆☆

“Useless customer sevice”

Written on: 05/03/2016 by LillianaPhillips387 (1 review written)

Since web site was changed have not been able to log on.Impossible to try to speak to somebody,as staff always have large backlog of calls waiting.Wrote to customer service,not bothered to reply,have also wriyyen to complaints dept,same outcome.Will be returning my card and taking my business elsewhere… Read Full Review

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★☆☆☆☆

“THE WORST EVER”

Written on: 03/03/2016 by neilshield1 (1 review written)

£250 CREDIT LIMIT spent £214 but still owe £123? work that one out, tried customer service NO HELP AT ALL also put through to complaints department suprise suprise NO HELP EITHER poor company they were meant to help improve my credit they making it worse so either pay money i dont owe or dont pay and screw my credit even more… Read Full Review

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★☆☆☆☆

“Stay away”

Written on: 23/02/2016 by Abbey62 (1 review written)

I had a aqua card for 5 years now and i got a increase on my card for the 8th time one day tryed to use my card and it was declined when it should not have been they was over 3000 available on it and the purchase was for only 65 so called them up and they said your accounts been shut down we would like the full payment you owe on the account witch i dont get because the fact i allways pay on time my minimum payment was 63.82 but i allways payed 100 never been out of my credit limit so the… Read Full Review

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