Aqua Credit Card Reviews

Are you facing a poor credit history? Have you been refused by money lenders? Do you want to build up your credit score? Here is the Aqua Credit Card to resolve your financial problems and help you get back on track.

Aqua is known as a manageable credit building card in the lending market. The people with low income, struggling self-employed and even students can benefit from it. It offers a representative 35.9% APR (variable). Aqua claims to help to improve your credit rating by following its guidelines to manage it. Aqua credit card has a range of products to suit your individual needs.

Aqua credit cards reviews are particularly intended for individuals who have a low credit history, and who are eager to rebuild their credit rating. It is not sure that you’ll be offered a card, however, you can see aqua’s promises to investigate your individual conditions and financial conditions by approval.

The aqua credit card works simply like other cards, however, aqua card interest rates are considerably higher than the normal market. The APR you will be charged will rely upon your individual conditions.

Aqua Credit Card UK Customer Service

Aqua has excellent customer service. It is based on;

An online account and a step by step guide, an app to access your account anywhere anytime on your smartphone.

The friendly UK based 24\7 helpline to resolve any issue or problem (lost or stolen report, missing repayments, direct debit set up, change of circumstances, increase or decrease of the credit limit.

Free text alerts about your balance and upcoming repayments which help you avoid missing on anything that may cause you to pay charges and damage your credit report as well.

4 Difference Aqua Credit Cards

Aqua Start Credit Card Review

This card typically suits those, who are having difficulty in borrowing money. Such people might have instability of job or business, aqua lends sensibly keeping in view their circumstances. Aqua start card offers 49.9% representative APR (variable) and 49.9% p.a. It gives a credit limit between £100 and £300.

Aqua Start is for customers who never had a UK credit card before, this card has a higher APR as compared to other cards, but is more likely to accept customers with a poor credit history.

Aqua Start has a primary credit limit between £100 and £300 and representative APR is 49.9% for a supposed spend of £300 to be repaid in one year.

It has no annual fee, but a fee of £12 will be charged if you have a late payment or go above your limit. Aqua start allows its customers to check their balance by using the online account management portal. This portal permits you to change your payment or repayment date.

• Representative 49.9% APR Variable
• Credit limit of £100 – £300
• UK based customer service
• Start building your rating
• Begin building a good credit history with Aqua Start by maintaining your limit and making timely payments.

APR	on purchases 49.9% variable APRon cash withdrawals 45.9% variable APR
Credit Limit Increases	If you stay within your credit limit and make the minimum payment on time.
Cash Withdrawal Fee	3% fee abroad and home
Text Reminders to help you	Paying on timeStaying under the credit limit
Annual Fee	£0
Initial Credit Limit	£100 to £300
Transaction Fees	Non-sterling transaction fees of 2.95%

Aqua Classic Credit Card Review

Its purchase rate is 35.9% APR variable and 35.95% variable p.a. There is no annual fee and no extra charges for what you spend abroad. The classic card provides an initial credit limit between £250 and £1200. Moreover, your interest rate is reduced over three years’ time, if you avoid missing repayments and spend within your credit limit.

The Aqua Classic Credit Card is Aqua’s most accepted card. It accepts people with limited or even no credit and who want to rebuild their credit history.

Aqua has newly added a Free Aqua Credit Checker to their features so that applicants can see the chances of being accepted before applying.

Aqua Classic’s APR variable is 29.7% which is lower than the standard credit builder interest rate, so you must try to pay off your full balance each month to avoid paying high interest rates.

Aqua Classic helps people because

• No annual fee
• Mastercard is accepted worldwide at over 35.9 million places
• An initial credit limit between £250-£1,200 – which would  go up later
• No interest on what you buy, if you make timely payments
• Text reminders to remind you of the monthly instalment
• UK-based customer helpline
• Manageable monthly aqua card payments with accessibility to change your payment date
• Online account management facility

Aqua Classic Fees and Features

Transaction Fees	2.95% Non-sterling transaction fees o
Credit Limit Increases	If you stay within your credit limit and make your mini-payment on time
Initial Credit Limit	£250 to £1,200
Cash Withdrawal Fee	3% fee abroad and home (£3 minimum)
Annual Fee	£0
APR	On purchases 29.7% variable On cash withdrawals39.9% variable APR
Text Reminders to help you	Make the payment on timeStay within the credit limit
Arrangement fee	£0
Late payment fee	£0
Early repayment fee	£0

Aqua Reward Credit Card Review

Reward card offers an exciting feature of 0.5% cash back (up to £100) p.a. It is applicable only when you purchase while staying within your credit limit and paying back on time.

Aqua Rewards credit card is a credit-builder card that pays 0.5% rewards on purchases for those to improve their credit. It charges no FX fees which makes it good for travel abroad and everyday use.

The Aqua Reward is useful to pay while travelling for food, drink, hotels activities as it doesn’t charge FX fees that are usually about 3% on purchases that are made in a foreign currency.

It is not recommended using it to withdraw cash from an ATM due to high interest rates that are 49.9% variable APR and starts accruing instantly, moreover, you’ll owe an extra 3% Cash Fee and a 3% (£3 minimum) Cash Advance Fee for each withdrawal.

Aqua Reward card’s initial credit limit is between £250 and £1,200 and it offers 0.5% of expenses for cashback, up to £100, that is paid out annually.

Aqua Reward is Featured because

• Representative 34.9% APR Variable
• Get Classic benefits; plus
• 0.5% Cashback (up to £100/annul) on whatever you buy if you stay within your credit limit and you pay on time
• No extra fees on what you spend abroad
• The difference is that it also rewards you for doing so. It gives you 0.5% Cashback (up to £100/annul) on everything you buy, provided you stay within your credit limit and make your minimum repayment on time.
• So you’re given money for doing what’s good for you anyway.

Cashback Rewards	0.5% cashback rate on purchases
Cash Withdrawal Fee	3% fee at home and abroad (£3 minimum)
Annual Fee	£0
APR	on purchases 39.9% variable APRon cash withdrawals 49.9% variable APR
Text Reminders to help you	Paying on timeStaying under the credit limit
Initial Credit Limit	£250 to £1,200

Aqua Advance Credit Card Review

This credit card exclusively offers a decrease in interest rate up to 0.5% each year, if a creditor takes up precautionary measures with on-time repayments and avoid spending over the limit. So, an interest rate which starts from 34.9% comes down to 19.9% APR. No interest is being charged on full balance payment.

Many people have complained and do not recommend Aqua because of its increased interest rates as compared to other contemporary credit cards offering better deals with a low-interest rate.

The Aqua Advance Credit Card is the best credit builder card for you if you are trying to improve your credit rating by good behaviour and you want to use it abroad.

As it is a travel card, it does not charge fees on purchases made abroad but cash withdrawals are not recommended because they incur a fee and a high interest immediately

Representative Example

If  spending £1,200 at a purchase interest rate of 34.91% p.a. (variable) then the representative rate will be 34.9% APR (variable).

Aqua Advance is helpful as

• Gives Classic benefits; plus
• Reduce your rate over three years if you stay within your credit limit and you pay on time
• No extra fees on purchases made abroad
• Reduce your interest rate to 19.9% APR
• Online account manager
• Accepted at over 35.9 million places worldwide

Aqua Advance Fee Structure

Transaction Fees	No non-sterling transaction fees on purchases or Cash withdrawals made abroad (but foreign ATM withdrawals will still, incur a Cash Withdrawal Fee, which is charged regardless of currency)
Decreasing Interest Rate	If you stay within your credit limit and make your min payment on time, the interest rate will be reduced by 5% each year for three years.
Initial Credit Limit	£250 to £1,200
Cash Withdrawal Fee	3% fee at home and abroad
Annual Fee	£0
APR	On purchases 34.9% variable APROn cash withdrawals 44.9% variable APR
Text Reminders to help you	Paying on timeStaying under the credit limit

For instance, if you start with an APR of 34.9% and you stay within your limit and make timely payments, it will get decreased by 5% after a year. This happens every year for three years, and after 3 years your rate is down to 19.9% APR

AQUA Credit Card Comparison with Other Credit Cards in the UK

Santander VS Aqua

Santander is offering people with 0% on balance transfer for 30 months, 0.5% cash back on all purchases with only £3 monthly fee,21.7% representative APR and 15.9% p.a.

Aqua Rewards vs Asda Cashback Credit Card

One of the best grocery and fuel cards having store rewards, The Asda Cashback Credit Card, gives 1% cashback at Asda and only 0.2% elsewhere.

If it’s all the same to you getting your rewards as Asda vouchers, you can get your rewards earlier with the Asda card, which credits your rewards monthly as compared to the Aqua credit card that pays out on annual basis.

By using Asda Cashback Card, Asda shoppers will get higher rewards on Asda grocery and fuel shopping. Rewards on other purchases are higher on the Aqua Reward credit card. Those who have low histories, Aqua credit card is more suitable.

Aqua Advance vs Santander Zero

The Santander Zero is a good travel card that doesn’t charge a fee for non-sterling cash withdrawals and transactions made abroad.

Moreover, cardholders who use this card in the UK are benefited from 5% to 25% savings at selected partners by Santander’s Retailer Offer program.

The Santander Zero card is a better credit card for anyone needing cash withdrawals from an ATM in abroad because it has no cash fees and charges and has a lower interest rate on those cash withdrawals.

Aqua Advance vs Halifax Clarity

The Halifax Clarity Credit Card is an excellent travel card. it not only charges no fees on purchases and cash withdrawals made abroad in the local currency, but it also requires a minor interest rate on cash withdrawals. This can be significant as interest is charged straight away from the time of a cash withdrawal.

Halifax Clarity credit card is better for those with better credit ratings, as it doesn’t charge a fee on ATM withdrawals and sport poorer interest rates.

Marble VS Aqua

Marble credit card implies no annual fee, no interest on the purchase if balance is paid in full on the due date. Marble master card is acceptable anywhere in the world for cash withdrawal. It offers a 34.9% APR.

The Marbles credit card is for those with a very limited credit history. Even individuals with CCJs or bankruptcy in their past are considered. One remarkable feature is a soft credit check eligibility checker.

While both cards are issued by New Day, the Aqua Start Credit Card is comparatively better as a very first credit card, as they market it especially at those in the UK with a bad history.

Aqua Rewards vs Tesco Foundation

While rebuilding your credit rating, The Tesco Foundation Credit Card gives the opportunity to earn rewards. While rewards on this Tesco credit card are not amazing at 0.25% when utilizing in store, cardholders who like actively dealing with their Clubcard points can boost their rewards up to 1% by taking benefit of the Clubcard Boost program at partners. One more benefit of the Tesco Foundation card, on new purchases, is the 0% interest period for 6 months.

The Tesco card doesn’t provide the same opportunity in-store shopping as other rewards cards. But if you are a loyal Tesco shopper who needs a 0% purchases card, you still incline towards the Tesco card

Aqua Start Card vs Vanquis

The Vanquis credit card accepts applicants with no credit history, pitiable credit history or is those who are unemployed. Its Initial credit limits are between £150 and £1,000 and a representative APR of 39.9% which is too low. Applicants have pre-application check eligibility checker to see their probability of being accepted before applying.

The Vanquis card can charge you a lesser interest rate as its representative APR of 39.9% give you a higher primary credit limit, so it can be a better option

Lloyds VS Aqua

Lloyds offers 0% for 32 months on balance transfer then 19.94% with 1.4 % fee. Another Lloyds product offers 0% for 12 months on purchases then 19.94% with no fee.

Aqua Advance vs Creation Everyday

The Creation Everyday Credit Card is an amazing no-fees travel card. it doesn’t charge FX fees on transactions and cash withdrawals in an overseas. It sports the lowest interest rate on cash withdrawals as well.

It is amazing because cash transactions start accruing interest straight away on other cards. Moreover, you can save money by getting online to pay back cash withdrawals as early as possible.

Aqua advance is the best travel credit card for you if you have a poor credit score. on the other hand, if you have a good credit history, Creation Everyday will find more savings on transactions made abroad. This is also good when it comes to cash withdrawing on foreign currency from ATMs.

Recommendations

As I am a client of Aqua, I personally recommend it as one can surely build up a secure financial future despite its high-interest rate. All you need to be is vigilant while spending and paying on time.

Apply Aqua Credit Card

All give a different representative APR, fees, interest rates and many others. Aqua cards are made to help people who may have had a bad credit rating and they want to get their finances back on the level. Here’s what aqua credit cards offer:

Get your Credit Score in Good Shape

Whenever applying for Aqua credit card, one of the main things to look at is your credit score that is a sign of your financial health. This counts many things like any financial dependencies you might have, your income, and personal information changes etc.

About 30% of your credit score is determined by how much credit you have made it important to show that you can manage debt correctly. Take a close look at the bank’s credit score page to find more tips on how to improve your credit score.

Recheck Your Eligibility

• Must be 18 years old
• No Past bankruptcy
• Must be UK resident
• No marbles and/or aqua card in the last year

Always, must check whether you are eligible for a credit card before making a full application.

How to Apply for Aqua Credit Card

Once you have done the research and have made a decision to choose a card, it’s a time to apply. There are different options for applying

Online

Step 1: Access to Web Page – The first step is to get access to the web page. You need to visit the homepage aquacard.co.uk and go to Credit Cards.

Step 2: Click the option Apply now – Click the option of “Apply Now” and get access to the application form.

Step 3: Provide Them Requested Information for pre-approval – Provide all the basic information such as:

Title	First/Last Name	Date of Birth
Marital Status	Security Question	Email Address
Mobile Number	Home Number	Work Number
Bank Account Number	Residential Status	Postal & Sort Code
Employement Status	Monthly/Yearly Income	Bank Details

Make sure that the information you enter is accurate. missing or incorrect information could lead to rejection.

Through Mail

One can also apply for Aqua Credit Card through the mail. You just have to send all required documents that ate essentially for applying and send it at:

Aqua Customer Services, PO BOX 173, Sheffield, S98 1JW

By Telephone

You can also apply for Aqua Credit Card by phone number. You need to call at the number below, provide the required information. Aqua Credit Card Phone number is:

+44 113 244 8986

After submitting the signed application, please allow 14 days for your card to be delivered

To activate your aqua card call on 0800 028 7777 – This is a computerized phone service