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

★★☆☆☆
2.3 / 5
34% of users recommend this
  • Customer service

  • Value For Money

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Latest Reviews

★☆☆☆☆

“complete mess left in by Aqua Card”

Written on: 23/01/2021 by tanyaarif (1 review written)

I took out a payment break for 3 months with aqua card services at the start of lockdown, i then had texts informing me this had come to an end, and i duly paid the complete outstanding balance i then attempted to use the card when i was moving, to pay storage and much to my shock the card was not being accepted, so i called aqua and was advised that the storage company were not enterng transactions correctly and that they should use chip and pin, this was the fraud department at aqua that… Read Full Review

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★☆☆☆☆

“5 weeks and still no refund ”

Written on: 10/04/2020 by MacDonaldtk333 (1 review written)

I requested a refund on a Flybe account 5 weeks ago now. I’ve made 5 calls to get this sorted. Every time I call they say they have looked into it and it would show in 48 hours, 7 days later it’s still not showing. The keep asking for further information and I have to prove that Flybe are in Administration! Totally Joke. A friend who booked the same flight on another Credit card received a refund in 7 days. Each time I call they have another excuse as to why it hasn’t been… Read Full Review

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★☆☆☆☆

“unethical ”

Written on: 03/02/2020 by AdysonHaynes (1 review written)

i found this company, not very customer friendly, they issue credit cards, then they suddenly change their attitude, very unhelpful, they increase your credit limit then change their minds and without any reason given they reduce your limit,then they will not answer your question to why. then they send subtle intimidating letters, basically wanting to increase payments by nearly 400% i have filed a complaint with the financial ombudsman i recommend any card holder to do the same DEFINATELY… Read Full Review

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★☆☆☆☆

“Terrible customer service..”

Written on: 07/12/2018 by sheilaboshell (1 review written)

I have been with Aqua for quite a while...their interest rates are extortionate, but it's my own fault for taking the increases, however I have never defaulted on a single payment even though it's high.My complaint is that this month is a very difficult time for me as I have several bills all coming in at once and the Aqua payment which is actually higher than any of the other bills so I rang to see if there was any help they could offer as in maybe a break just for this month..they agreed they… Read Full Review

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★☆☆☆☆

“Worse Credit Card I have ever held”

Written on: 09/11/2018 by mpBeasley85 (1 review written)

This is one of the worse credit card companies I have ever met. Despite always paying my monthly payments on time or early my interest rate is increasing adding more to my payments. Aqua should never be allowed to practice as a company and should be reported for the disgusting way they are running their company ~ and will be. Sadly they are not very wise I can see people falling into more debt and not being able to pay their balance and so Acqua will not be able to recover their money having to… Read Full Review

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★☆☆☆☆

“reported to financial ombudsman”

Written on: 05/10/2018 by Whiteheadhc112 (1 review written)

This is a copy of my complaint logged with the financial ombudsman after zero interest in showing any sort of customer service. Aqua credit card services are completely incompetent. They may be licensed to provide credit card services but they are not competent. They refuse to reply to any customer contact and when they do, they do so in a way that guarantees the customer is not able to reply for example by having 'noreply' email addresses. I am abroad. My credit card works 1 in every 5… Read Full Review

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★☆☆☆☆

“They are no better than loan sharks”

Written on: 03/07/2018 by Valentina9 (1 review written)

If you pay on time or clear the balance they increase the interest you get drawn in and then the rates jump up. They then tell you if you do not want the rates to go up you can freeze the card and pay off the debt I owed £3000 and was being charged £99 a month interest. Watch out for these people as there are other cards and all provided by Newday Ltd. Go elswhere Capital one are better. Pleaee avoid these loan sharks… Read Full Review

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★☆☆☆☆

“blocked card”

Written on: 02/07/2018 by Wesleyv265 (1 review written)

they sald they wouldunblock my card on Friday but they never did very unhappy aboutit… Read Full Review

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★☆☆☆☆

“never ever ever”

Written on: 09/05/2018 by rodneydonnell (1 review written)

They claim to help restore your credit rating but this is not what they are about. they continually increase your credit limit when you have been faithfully making payments but they also increase interest rates because of the "way you are using your account". i have recently payed my balance in full, but they said there will be another interest payment to make next month. do not ever be suckered in by them… Read Full Review

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★☆☆☆☆

“worst of the worst”

Written on: 18/04/2018

I have always paid on time and more than the minimum,and true the interest rate went down after 3 years.and you get large balance increases then low and behold when they can increase back and your interest rates keeps increasing.as I have spent nothing on the card for 6 months paid well over my minimum yet up goes my interest rates again.avoid these people at all cost… Read Full Review

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★☆☆☆☆

“Help to build credit NO. Help to destroy your credit YES.”

Written on: 26/03/2018 by JosephJ (1 review written)

This company should have its licence to trade revoked. They do not have the first clue what good service looks like and where a promise to call back is made, then forgotten, place onus on the customer to chase. This has led to negative impact to my credit file and although obvious to any sensible person that there was a clear lapse in service, again - my fault. No sensible person would continue to pay a balance where fees were added in error, with any other high street bank an acceptance of… Read Full Review

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Was this review helpful? 5 0
★☆☆☆☆

“No customer service”

Written on: 28/02/2018 by Thomasina2 (1 review written)

In September of last year my husband reported what he thought was fraud on his card. His card was cancelled and told he would receive a new one. He is still waiting. He has called every week to be told there is a problem at Head Office but no information as to what the problem is. Same answer again this morning. Surely IFthere is a problem someone could answer the question and if they have cancelled his account it would be courteous to inform him. Customer service hahaha not sure they know what… Read Full Review

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★★★★★

“Second chance after Iva”

Written on: 21/01/2018 by Belfast1980 (3 reviews written)

I have just completed my Iva in July last year and have found it hard to obtain a credit card having a very low credit score. I decided to apply for the aqua classic card and was accepted straight away. My card and pin arrived within 5 working days and I have been given a limit of £900 which is adequate for my needs. I intend to use my card day to day and pay off in full so high interest rate doesn't bother me. I am just happy to be given the second chance to move on from my past bad debts and… Read Full Review

Carole79's Response to Belfast1980's Review

Written on: 11/02/2018

This card seems to give a very good deal, can I transfer from my present card to you. My present card is about £3,000 but I pay direct debit every month, and never miss a payment.

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Belfast1980's reply to Carole79's Comment

Written on: 11/02/2018

Hi, have looked into what sort of credit limits aqua usually offer to start with and it's between £250 and £1200. Currently they have a 6 months balance transfer offer with 3% fee (minimum £3).

If you want to see your chances before applying some reputable sites (i used totally money) offer a soft search giving you an indication of likely acceptance before you apply without affecting your credit score or you can do a full application and get a response in 60 seconds.

Hope this helps.

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★☆☆☆☆

“APR increase ”

Written on: 06/01/2018 by Rileyso1970 (1 review written)

So they give you a card to improve your rating and even though you have never missed a payment they decide you are a risk and put your APR up every 6 months. Can’t wait to get card payed off and then they can shove it… Read Full Review

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Was this review helpful? 7 1
★☆☆☆☆

“Supremely unhelpful”

Written on: 19/12/2017 by Swambi (4 reviews written)

I was fine with Aqua card until unauthorised fraudulent activity occurred on my account. Whilst my experience with other providers in similar circumstances has been prompt and supportive service, when I rang Aqua (after an hour's wait) I was told that they refused to accept it as fraud, even though it had been taken overseas and they couldn't provide any information as to what the payment was. I have since sent a message (completely unacknowledged) and two letters of complaint but they have… Read Full Review

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★★★★★

“Brilliant”

Written on: 17/12/2017 by Romero440 (1 review written)

Had the card for 9 months and already on £2800 limit. Aqua have helped my credit score. Use the card sensibly and pay off in full. Great customer service… Read Full Review

Sophie689's Comment

Written on: 01/01/2018

Hello, I've just recently applied for a aqua card and been approved. However I've no idea what my limit will be till I receive the card and pin taking up to 10 working days. Could you tell me how much yours started off as please? Or is it difficult depending on your circumstances? And I read that the limit on their cards is £1200 on the website??

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★☆☆☆☆

“Difficult to close”

Written on: 07/12/2017 by BradyPhillips490 (1 review written)

Had card for a few years or so, I have always made twice the minimum payment and never missed a payment. Every February or so they would write to me and congratulate me for the way I have managed my account, and offer to increase my credit limit. Often this would double my existing credit limit. Then every November they would write and put up my interest rate, by 3-4%. I called up wanting to close my account and pay the full balance. I am told that I cannot close my account for 2 MONTHS as… Read Full Review

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★★★★☆

“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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