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

★★☆☆☆
2.4 / 5
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Latest Reviews

★★★★☆

“Aqua Classic”

Written on: 28/10/2017 by JasMadahar (1 review written)

Look, I know things with my credit haven't been good and my credit rating was low. I took a punt and applied and they accepted me! Now, here's the trick. Paying the balance off every month means effectively free credit. Aqua is a business so if they don't earn off your card where's the incentive? I always keep a small balance and pay the extra interest. Thing is, the only reason I gave four stars was that I emailed them using the online to ask what I needed to do to ensure a rise in my… Read Full Review

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★★★★☆

“Great starter card ”

Written on: 10/08/2017 by AniyaLindsey (1 review written)

I'd joined Aqua last year in December and they gave me a starting limit of 250 alongside 54.9% APR. I'd like to say I ran my account smoothly but my honest answer would be no for the first 3 months. I would usually spend upto my limit then the interest would kick in which took me over my limit. But for the last four months I've used it less and only been using around 30% of my limit and so far it has worked. I got my first increase ( 600) which is fine but would like them to raise it to 1K… Read Full Review

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★☆☆☆☆

“Patronising and rude customer service ”

Written on: 24/07/2017

Aqua card customer service team are patronising and rude and do not listen to the customer point of view. The app is rubbish and would definitely not recommend it to anyone… Read Full Review

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★★☆☆☆

“card checking it as you dont know how much i do pay...”

Written on: 21/05/2017 by 380Glover (1 review written)

well this is mrs prendergast you want to check your account as i have paid you £100 on the 9 may then £100 on the 13th then £145 on 15th may so i have paid yoy £345 this month all reasdy so dont keep on to me because i migfht even cancel my card t… Read Full Review

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★★★★★

“Best rebuild card ever!”

Written on: 16/05/2017 by Burnmoor (1 review written)

8I had never had credit as brought up with the "if you need or want something then save up for it" mentality. All well and good until you get older and need a credit history. I'd had an ex run up bills in my name and so any history I had was either non existent or tarnished. Aqua gave me a chance. Started off with £250 which was increased to £550 (I think) about 4 months in. Then increased to £950 3 months later and then today to £1950. I was paying it all in full each month whilst keeping… Read Full Review

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★☆☆☆☆

“Idiotic practices”

Written on: 05/04/2017 by Kenyons418 (1 review written)

Card arrived, good limit and account ran fine and paid well on time. Very random call from one of their agents no proof of where he was calling from so I called back to be put through to the card team. Failed security twice, no idea how as I know my own information card has been blocked until I send a form of Id through! What kind of idiotic practice is that! I will not be spending on the card so really just going to pay off and be done with it. They seemed quite decent to start, but this is… Read Full Review

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★★★★★

“Credit rating increase ”

Written on: 03/04/2017 by 326Gill (1 review written)

Following a period of debt and a damaged credit rating, I applied for an Aqua credit card. My account was opened with a credit limit of £600, which was increased to £1250 after 6 months. I never use more than 50% of my credit limit and always pay in full. As a result, my credit rating has increased by 46 points in the last few months. I rate Aqua and would recommend. Interest rates are super high, but I am not effected as I pay in full each month… Read Full Review

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★★★★★

“Really well administered .. ”

Written on: 06/03/2017

Accepted online, card and pin arrived in the estimated time and card was ready to go in minutes with no awkward call to a sales call centre where people try to sell you everything from insurance to energy... phew! The app is really good and payments are viewed almost immediately and payments are processed fast. I had read bad reviews on this card but it's actually better than expected. Will use as my main card… Read Full Review

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★☆☆☆☆

“Warning Terrible company”

Written on: 02/03/2017 by 296Warren (1 review written)

Got accepted for this card to improve my credit rating whoo hoo unfortunately it's made my rating ten times worse due to them upping my credit limit then decreasing it twice in the same week ! . Rang them might as well of rang Chester zoo and spoke to the monkeys would of probably got somewhere with them !!! Closing this account after I have sold a kidney to pay it off !!!! AVOID… Read Full Review

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★☆☆☆☆

“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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Delboy19521's Response to Gallifrey1980's Review

Written on: 18/09/2017

Same here,customer for 3 years with a limit of 5200,got a letter today saying the interest rate will rise from 29.9 to 37.9 on all past and present spending. I immediately appliedfor mbna card and was accepted for 3100 pound limit. Will do a balance transfer as the rates are 9.9 . Aqua won't get a penny of the extra rates. Terrible practice from them

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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 (56 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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