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

★★☆☆☆
2.3 / 5
159
33% of users recommend this
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  • Value For Money

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Latest Reviews

★☆☆☆☆

“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

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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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★☆☆☆☆

“Be Wary of Aqua!”

Written on: 26/06/2015

When i first started with Aqua Credit Card a couple of years ago my interest rate was at 29.9%, then just over 6 months ago they increased it to 37.5%, they said because there had been a change on my credit file - uh???? i checked my Noodle report which is linked to this card and it says nothing as altered. I wrote to challenge this decision but lost. Then, recently i received another interest rate increase letter! - this time its going up to nearly 50% !!!. Disgusted with this, my partner said… Read Full Review

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★★★★☆

“No problems ”

Written on: 24/06/2015 by 345McWilliams (1 review written)

I've had the aqua card for 7 months started of with a low £300 credit limit have had 2 increases since then , I manage my account online very easy I'm very happy with aqua… Read Full Review

Yourajoke's Comment

Written on: 28/08/2015

You're a liar,you would NOT receive two credit limit increases within seven month

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★☆☆☆☆

“They will give to people on benefits but no to me?”

Written on: 19/06/2015 by qhPalmer181 (1 review written)

I Applied for this card knowing the high APR but I wanted to use a pound here and there to build up a credit profile I've never had any debt in my life but they rejected me im in full time employment. STUPID… Read Full Review

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★☆☆☆☆

“Joke of a Company”

Written on: 18/06/2015 by AddisonMartin53 (1 review written)

Applied online and got accepted. Got an email confirming acceptance etc. then eventually got a letter addressed wrongly and when I phoned to activate card they had they had the wrong date of birth details as well they practically made me feel like a liar or criminal. You could be forgiven for getting rude or aggressive with them they push you that far. They have requested a bank statement and driving licence as well passport evidence. How can they mess up things so badly, their customer service… Read Full Review

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★☆☆☆☆

“WATCH OUT - SMART PEOPLE - VERY GOOD CUSTOMER SERVICE”

Written on: 17/06/2015 by Optometer (1 review written)

This Aqua card is a bloody joke. I had received more than 10 calls invited me to apply. What I have done. After three years using never failed a payment I received a letter informing that rates will increase based in a presupposition how I had managed my account and credit references agencies other products I had. Well for all this facts was supposed the rates decreased always payments made on time, when I had apply the reference in terms of parameters (wrong) from the credit agencies was 1… Read Full Review

Optometer's Response to Optometer's Review

Written on: 17/06/2015

Comment - For clever people when I said " VERY GOOD CUSTOMER SERVICE" totally the opposite and in terms of scores (reference by "credit agencies") go from 1 to 5 meaning 1 is poor 5 is excellent. Who are they to judge us?

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★★★★★

“happy with card ”

Written on: 15/06/2015 by JadaHolbrook483 (1 review written)

I got accepted for a an aqua card I started with 250 then I got accepted for an increase of 1250 after 4 months I've had no problem and Iam a very happy customer :)… Read Full Review

Optometer's Comment

Written on: 18/06/2015

REVIEW PAID BY AQUA CARD

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Ahmedraza313's Comment

Written on: 30/08/2015

I took out a aqua card in June 2015, two months after my second child was born, I also got 250 GBP. I used the account at least three times within two months, clearing the balance and then repaying every penny back within the week, I was offered 1250 within 60 days after opening the account. I found the interest rates were not so bad, infact if you clear all the balance before the statement is due it has no interest rate at all, kind of like a 0% interest loan. It works really well, I have seen some bad reviews on here, no doubt some people must have had a bad experience, however, I have found the Aqua team really handy and extremely helpful. Ahmed Raza

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Markymarky1's Comment

Written on: 18/08/2015

This customer is not lying as I got the same starting limit of £250 in Jan 15 and they increased it by another £1000 to £1250 in May 15, always been happy with the service.... I wonder what the next increase will be ?... Mark

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Amandaw00's Comment

Written on: 21/06/2015

You are a liar! I use to work for new day there do not and will not increase a limit of one thousand pound in four months. I worked in the underwriting department.

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★☆☆☆☆

“Watch out ”

Written on: 26/04/2015 by Ortizqu313 (1 review written)

Be very careful with Aqua. Been with them for 8 month. Was given £750 limit and pay off each month. They increased to 1500 which we also pay off each month. Today got a letter to say account is suspened and we need to send proof of who we are , where the payments and have come from and a current bill. They then say depending on info may or may not re activate the card. Customer care team are awful, know nothing and won't re activate. We were due to be going away and would you card. But now… Read Full Review

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★★★★★

“BEST CREDIT BUILDER YET”

Written on: 14/04/2015 by McLean53 (1 review written)

I have had this card around 15 months,Initially i was given a £250 credit limit but considering my credit file and score at the time was great.My limit sharply went from £250 to £750 Then to £1800 and now im on £3050.Overall had no complaints and my best advise is use this for credit building only dont ever have a high balance on it and where you can pay off in full every month to avoid interest.I have paid mine off in full every month since i got it and never paid 1p in interest… Read Full Review

Billybigfoot's Comment

Written on: 02/05/2015

You're telling lies Aqua only go up to £1800 I use to work for them

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Mpatt1's Comment

Written on: 02/05/2015

Ok lets look at the facts!!You state you used to work for them yes??How do you know what aqua card i have ??Also people like you need to get all the facts correct,The fact you call me a liar means you have nothing better to do than insult people(small mind)The fact i have this credit limit and i know i have and you try to say im lying does not bother me but please put FACTUAL information on these reviews

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Optometer's Comment

Written on: 17/06/2015

Drugs is very bad for your health.......................

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Mpatt1's Comment

Written on: 18/06/2015

Nothing fake about it my friend. the credit card starts you off on an initial credit limit in between £250-£1200 depends on your credit rating.Again get your facts right before commenting. t makes me chuckle when people feel the need to call me fake and a liar it really does

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Mpatt1's Comment

Written on: 18/06/2015

Nothing fake about it my friend. the credit card starts you off on an initial credit limit in between £250-£1200 depends on your credit rating.Again get your facts right before commenting. t makes me chuckle when people feel the need to call me fake and a liar it really does

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Mpatt1's Comment

Written on: 18/06/2015

Nothing fake about it my friend. the credit card starts you off on an initial credit limit in between £250-£1200 depends on your credit rating.Again get your facts right before commenting. t makes me chuckle when people feel the need to call me fake and a liar it really does

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Optometer's Comment

Written on: 18/06/2015

WHAT FAKE REVIEW COMPANY DOESN T ALLOWED CREDIT MORE THEN £1200. PROBABLY MADE IN INDIA OR BANGLADESH

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Optometer's Comment

Written on: 18/06/2015

FAKE REVIEW - PROBABLY PAID

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★☆☆☆☆

“Do not release your money”

Written on: 12/04/2015 by Coughlingb51 (1 review written)

I accidentally overpaid on my account, their 'risk team' blocked the account and have been keeping my funds over a month now. Sending paperwork back and forth has not helped, customer service is rude 'you won't be seeing your money till you send in more paperwork' so I might have to look for legal advice or drive up to Sheffield to their call centre with a solicitor. Based on Trustpilot reviews, it's a pretty common occurrence so the service is unreliable and they block your money… Read Full Review

Jeff4567's Comment

Written on: 25/04/2015

Exact same thing has happened to me although it is a lot more than just a small payment. To consolidate all my money I made a balance transfer to if for more than the limit on the card so that I can transfer more money to it than was the balance. They have now blocked my card and I can't do anything they have many hundreds of my money that I can't get.

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Sparkysparkey's Comment

Written on: 28/05/2015

i have had the exact same problem and still haven't got my money back its been 6 months now!!

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★★★★★

“Aqua credit increase”

Written on: 10/04/2015 by yxTerry115 (1 review written)

received my card with a low £300 limit in November has just been increased to £700 . Can easily manage payments online very happy with them… Read Full Review

Optometer's Comment

Written on: 17/06/2015

Good for you............

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★★★★☆

“So Far, So Good!”

Written on: 08/04/2015 by VanessaBenton41 (1 review written)

I applied for the Advance Card on 30th march 2015, pin arrived on 2nd April, still waiting on the credit card BUT my credit score has already risen significantly and I have been given a £900 starting limit (as seen on my credit file), which is very good considering my credit score. If like me you are looking to rebuild your credit rating then go for it. I will use it lightly every month and pay back in full immediately. With the advanced card the interest rate will go down each year once the… Read Full Review

Optometer's Comment

Written on: 17/06/2015

You must work for this company, for sure..................

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★☆☆☆☆

“hi”

Written on: 29/03/2015 by ptPayne463 (1 review written)

not evan had my card 24 hours and it has been blocked. tried phoneing them got nothing. … Read Full Review

Optometer's Comment

Written on: 17/06/2015

buy a shotgun...........

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★☆☆☆☆

“Rubbish ”

Written on: 21/03/2015 by Tukmol (1 review written)

This is a terrible company.. Not recommend this Aqua card.. Worst I cant rate not even 1 star they deserved… Read Full Review

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★☆☆☆☆

“Aqua Credit Cards - Rubbish”

Written on: 17/03/2015 by htCross236 (1 review written)

I am new to the UK and was interested in building my credit score. I did all the mandatory things like sign up to the electoral role etc. I then wen about opening an account with Experian so that I could actively manage my score (which was -2). After a while my credit score moved up in the 800's but i had a negative factor including no paid up credit accounts, so I went about looking for a company that could provide such an account, without 3 years of address history in the UK. I applied for an… Read Full Review

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★☆☆☆☆

“answer there phone”

Written on: 07/03/2015 by shaz1603 (2 reviews written)

i received my aqua card today rang them and activated card so i went to shop for some bits used my new card and it was declined so i came home and tried to order something online and that did not go through even though i have £250 available ,what can i do… Read Full Review

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