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

★★☆☆☆
2.3 / 5
204
34.8% of users recommend this
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Latest Reviews

★☆☆☆☆

“Avoid”

Written on: 23/02/2017 by JimC1964 (1 review written)

As soon as Aqua get wind that you may be struggling or that you only make minimum payments they will raise the interest rate, not just on future purchases but also on your current balance. This ensures they have a constant revenue from you making it more difficult for you to pay off your debt and ensures that your paying them for longer. This is because Aqua realize that you are unlikely to be able to transfer your balance to a card with a lower interest rate which makes you vulnerable. Avoid… Read Full Review

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★☆☆☆☆

“Don't use them no loyalty to their customers”

Written on: 07/02/2017 by Gallifrey1980 (2 reviews written)

Useless self serving company, jack up interest rates for long time customers who have never missed a payment.Look elsewhere as they will let you down. I have never been so disappointed with a company as a long term customer of over two years… Read Full Review

Firebyrd's Response to Gallifrey1980's Review

Written on: 23/02/2017

they did this to me it's called greed they are not happy making money from each transaction you make they either want you to get into dept and pay it off monthly or they don't want you. just dump them as i did and if enough people do they will get the message.

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★☆☆☆☆

“No customer loyalty”

Written on: 10/01/2017 by Brennanko163 (1 review written)

I was with Aqua Card a year. A Aqua Reward card. I had always paid in full with in two days of the bill being issued. I thought they considered me a good customer until yesterday when a unexpected letter form them stated the were rising my interest rate to 42%. Something about how I had conducted my account. I couldn't believe it. And phoned them. But couldn't get an answer to why they had done this. So I paid off my balance, and this morning I phoned them and closed my account. They were not… Read Full Review

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★☆☆☆☆

“You pay your bill each month in full and on time.They...”

Written on: 09/01/2017 by firebyrd (54 reviews written)

You pay your bill each month in full and on time.They then without asking you raise your credit limit. You then find that they also raise your interest from 34% to a massive 42% I assume this is hoping you spend the new limit, can't pay it back and use the minimum payment options and end up paying the new interest rate. My credit limit escalated from from £500 to a massive £5,000 now do you see the connection. Luckily I didn't fall for it and dumped them… Read Full Review

Keighleymae's Response to firebyrd's Review

Written on: 10/02/2017

They send out letters about offering the credit limit. You have 40 days and if no response they'll do it but can cancel it if you say so.

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Keighleymae's Response to firebyrd's Review

Written on: 10/02/2017

They send out letters about offering the credit limit. You have 40 days and if no response they'll do it but can cancel it if you say so.

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★☆☆☆☆

“awful”

Written on: 17/12/2016 by modman79 (1 review written)

direct debit comes out two dsys before the agreed date knowing the funds wont be there, as they were told over the phone 6 times in 6 months. you get a penalty of £15 each time the direct debit fails. then, their customer services appologise and say they will refund you, but they dont… Read Full Review

Firebyrd's Response to modman79's Review

Written on: 23/02/2017

you can always take it up with the financial ombudsman.

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★☆☆☆☆

“Aqua do not value their customers as its for poor credit”

Written on: 07/12/2016

Aqua have a habit of sending important documents by second class post in particular the actual credit card which in fact got lost in the post and never arrived. Did not notice that they had deactivated my existing card which was still in date until I tried to use it and it was declined, called customer to find out that they had sent me a contactless card more than 2 months ago and it never arrived, however they deactivated my existing card without my knowledge. Customer service seemed very… Read Full Review

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★☆☆☆☆

“Worst racist customer service ”

Written on: 17/11/2016 by CharlizeHolloway (1 review written)

Today I spoke to customer services and I requested them to waive off interest charges cuz I was struggling with my finances .the lady refused to help me I asked her that I want to manager to discuss and she said she can't pass it to manager ..I am extremely disappointed with terrible aqua customer service… Read Full Review

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★☆☆☆☆

“Diabolical Dismal Outfit”

Written on: 16/10/2016 by CalvinTodd (1 review written)

They will cancel your password, and make it almost impossible to reset it, you will spend hours on the phone paying for their incompetence,the online service is dire.I have just paid my balance , in full, and cut the card up. Keep away from these clowns… Read Full Review

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★☆☆☆☆

“Closed for no reason”

Written on: 08/10/2016 by Rees399 (1 review written)

I've had an Aqua credit card since June 2015, they started me with a limit of £250 which increased to over £2000 in 9 months, I've never been over my limit and always paid more than the minimum due. As I changed my address they have now blocked my card, fair enough I thought so I called them and asked some security questions !! 21 security questions to be exact which I apparently failed they have now blocked my online access !!! Very strange way of dealing with customers, I've now paid the… Read Full Review

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★★★★☆

“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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Through's Comment

Written on: 05/02/2017

I was looking for some information, say if they give you a limit of 500, and you withdrew 300 from a atm, does that mean you could still go and spend the other 200 using the card?

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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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Thechamberlaiin's Comment

Written on: 12/11/2016

I don't get when people say this either? If I could afford to pay the balance off in full every month I wouldn't need a credit card

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Me_Again's Comment

Written on: 13/11/2016

Did either of you consider that circumstances change? To put you in the picture, I was earning £18k a year when I got myself into debt. Four years on and I'm earning £50k but still have a tainted credit history. I can now afford to spend 20% of my card balance and pay it off in full every month. No need for nasty comments or to doubt what I'm saying.

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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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