79 posts. Add to wishlist. The Aqua Classic card could help people with a poor credit history. 0% variable APR on purchases 3% variable APR on cash withdrawals . The short answer is ‘yes’. 2.9% . If you spend £1,200 at a purchase interest rate of 34.95% p.a. What do Aqua credit cards offer? That’s why you need to pick a card that’s designed for your circumstances and offers an eligibility check – sometimes called a ‘soft’ check – up front. At the low end at least. They form part of the NewDay group of companies. Reduce your interest rate as you use your card when you manage your account well. You can see more info on our other cards: Aqua Classic and Aqua Advance below. From 229 reviews. max credit. 1. A “credit-builder” aimed at applicants who have a poor credit rating. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. Check your eligibility in less than 60 seconds, with no impact on your credit score, Stay in control with our handy app, text alerts, useful guides and more, If you have a low or bad credit score, we can help you start your journey towards better credit when you manage your account well. The registered office for these companies is 7 Handyside Street, London N1C 4DA. The aqua Advance Mastercard is a credit-builder credit card with a rate that drops every year for the first three years. Seems to me that Marbles and Aqua cards, both by New Day, are pretty much the same thing. abroad charge . Note that the advertised interest rate varies between the cards: here's another. min credit. Build better credit with Aqua. CreditBuilder™ option. On the MSE eligability checker the only difference seems that the Aqua card offers a 6 month balance transfer whilst the Marbles only offers 5. Login / Register is disabled Login . Reduce your interest rate as you use your card when you manage, Making lots of late payments or missing payments altogether, Going over their credit limit – especially if it happens regularly. 5 September 2013 at 5:20PM edited 30 November -1 at 12:00AM in Credit Cards. As a credit builder card, it might accept you even if you're self-employed, you've had problems paying bills … Terms apply. Initial credit limits run between £250 and £1,200. I didnt even know any card company had an Apr of such sort. Plus, there is no annual fee associated with this card. The APR applicable to your account will depend on our assessment of your application. About Aqua | Classic credit card aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. min credit. Free unlimited access to your credit report. Purchase at Aqua Classic Credit Card Through Quidco & Get Money Back on Your Purchases. max withdraw . It currently offers two deals, Aqua Classic and Aqua Advance. 7 posts. Aqua Classic Credit Card (29.7% APR)b 29.8% (APR): Text reminders, so you need never miss a payment. They form part of the NewDay group of companies. If you’ve never borrowed money, lenders don’t have much information to judge whether you’ll manage your credit well. Our cardholders can enjoy great lifestyle and travel benefits on their EBL Cards round the year. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. The most common ways that people break credit agreements are: For example, if you made lots of late payments on your credit card or missed payments altogether, other lenders are likely to think that you might miss payments and decide not to give you credit. loading . aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. Credit builder cards like the Vanquis Visa Classic are designed to help borrowers with limited or bad credit to kickstart a positive credit history. I was accepted for a n Aqua classic card today with a 49.9% Apr and I thought that was bad with a credit score of 924 with Experian, I would have thought they would have lowered the Apr!. Setting up a direct debit to repay the full balance is a sensible way to ensure only what is affordable is spent each month. Before choosing a new card, make sure it fits your lifestyle and goals. There is no fee. As is standard with these types of card, this means you’re likely to get a low credit limit and high interest rate. Aqua is a very good credit card because… Aqua is a very good credit card because helpful for credit building and also shopping online pay Aple I’m very happy to get it I love Aqua card Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. Both of these features provide cardholders with extra savings. Credit available only to UK residents aged 18 and over. They form part of the NewDay group of companies. max credit. max credit. The Aqua Classic Credit Card also has an interest-free period of 48 days. Free unlimited access to your credit report. The APR applicable to your account will depend on our assessment of your application. 2 replies 2.4K views rus4u Forumite. NewDay Ltd Finance. The representative APR is 37.9%. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. About Aqua | Classic credit card. Personal finance expert Sarah Willingham teams up with aqua credit cards to explain how to get the most out of your credit card. Am I eligible to apply for an Aqua Classic card? £1200 . abroad charge . At Aqua, we’ll do our best to help you with both. Once you build up a history of responsible use, you'll find offers for providers with rewards (My main card gives me Avios points, for example), or special features like 0 fees for foreign transactions etc. 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. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. Aqua credit card. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. aqua Classic credit card. The aqua Advance Mastercard is a credit-builder credit card with a rate that drops every year for … The card that says yes to helping you build your credit score when used responsibly 37.9% APR. We're sorry but the Aqua Reward Card is no longer available. Representative (variable) for Aqua Classic It has something for everyone, fair rates and eligibility. American Express. If you have a bad credit history, it’s important to remember that millions of people in the UK are in the same category, so you’re not alone and you can get help to fix it. Everyone. Free unlimited access to your credit report. We can’t promise to say ‘yes’ as we need to ensure we lend responsibly, but we will do our best to accept you. Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. The Aqua Classic Credit card is a solid option to consider for those with weak credit scores, as it may accept you even with limited or no credit history. Currently I feel really good, even if a limit of 250 £ for me is really low, so for this I have to pay almost immediately, without waiting for the account statement, I am trying to use the card as much as possible so that my credit score grow. 8,363. (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. (variable), your representative APR will be 29.7% APR (variable). It's an arbitrary number that means nothing when it comes to applying for credit. We’re here to help. £250 . - Free unlimited access to your credit report with aqua Credit Checker Your credit limit will start between £250 - £1,200 and you could get an increase on your 4th statement. If you spend £1,200 at a purchase interest rate of 32.94% p.a. Using credit well is the most important factor in building a good credit history, so having no history of using credit can be just as much of an issue as a history of using credit poorly. About Us; Credit Cards for Good Credit. £1200 . CreditBuilder™ option. The Classic Credit Card is apparently Aqua's most popular card and will consider those with poor credit, including the self-employed, individuals who've had trouble with late payments in the past and those with a low income. Aqua Advance offers the chance to reduce your interest rate each year with good account management. min credit. Quidco uses cookies and similar technologies to enhance your experience, improve performance, provide advertising relevant to you and track sales to give you cashback. Install. More Info. The Aqua Classic credit card is great for people who do not have a good credit score and want to build this up. It’s also important to remember that nobody has a single credit ‘score’ that all lenders look at to decide whether to give you credit. No matter what your situation, we’re here to help you on your journey towards better credit. Manage your account anywhere, anytime, with our secure mobile app. It's impossible to talk about credit card deals without mentioning the Aqua Classic Credit Card. There are lots of steps you can take to start improving your credit score and options for getting credit while you have bad credit. £0 £250 Not specified Not specified 37.9% Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable). this stupid Aqua keeps sending me mails by post asking to sign for this stupid almost 40% interest rate haha(!!!) What are the benefits of the Aqua Classic card? Compare. max withdraw . Find out more. Representative example: When you spend £1,200 at a purchase rate of 29.71% p.a. There is no annual fee for the Classic credit card, however you will be charged a fee if you have a late payment or go over your limit. PO BOX 172. Sheffield. Each full application is logged on your credit report, so the more you apply and are turned down, the more likely you are to keep getting turned down. filter through products to find the best deals. In this review, we look at the Aqua Classic credit card which is available to those with poorer credit, who can use it to improve their credit profile in the future. 2.9% Fetching your data... Vanquis Bank Visa. What are the Charges to be Wary of. Both of these features provide cardholders with extra savings. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Hi everyone :-) I just applied for an Aqua Credit card and to my surprise i was accepted and this is the message i got at the end of the … 8,363. how dump should you be to go for that? CreditBuilder™ option. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. Apply using my link to receive £25 cashback to your account if you are accepted and follow the below criteria. Been looking into CCs for someone new to credit with a very limited but so far so good history. Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult. I'll just wait and see if my card and pin comes and how much the credit limit will be. Initial credit limits run between £250 and £1,200. aqua Classic Credit Card review 2021. 2 replies 2.4K views rus4u Forumite. Aqua Classic Credit Card (29.7% APR)b. NewDay Ltd Finance. Everyone. Finder UK . £0 £250 Not specified Not specified 37.9% Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable). Having a bad credit history is one of the main reasons people are turned down for credit cards, loans, and even bank accounts. Let’s look at the two situations which usually result in it being more difficult for people to get credit. Reduce your interest rate as you use your card when you manage your account well. … (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. They form part of the NewDay group of companies. 5 September 2013 at 5:20PM edited 30 November -1 at 12:00AM in Credit Cards. aqua Classic Credit Card. *The Gift Card will be loaded to your linked Amazon.co.uk account on approval if you qualify for Instant Spend, otherwise it will be loaded to your linked Amazon.co.uk account when you activate your card. Read JasMadahar's review of the Aqua Credit Cards - www.aquacard.co.uk , 17 of 229 Aqua Credit Cards - www.aquacard.co.uk reviews, & compare with other Credit Cards at Review Centre . Subject to status. Compare live rates and alternatives. The Aqua Classic credit card can be used for daily purchases and has unique features to help you better manage your funds. Visit your Online Account Manager or via the Aqua Card app. But this is exactly the wrong thing to do. Compare live rates and alternatives. The Aqua Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit rating. 5 September 2013 at 5:20PM edited 30 November -1 at 12:00AM in Credit Cards. If you have a bad credit history or haven’t applied for a credit card before, it can be tempting to fill out lots of applications in the hope that at least one of them will be successful. aqua Advance credit card review 2021. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. With Aqua credit cards having such high interest rates, it is unlikely that many customers will look to make a balance transfer to an Aqua card. Each lender will carry out its own assessment based on your credit history and decide based on their own criteria, so it’s still possible for you to get credit and use it responsibly. Your aqua online account lets you manage everything to do with your aqua card in one convenient place – from paying your balance to changing personal details. The Aqua Classic Credit Card offers a great variety of features and helpful tools to its cardholders. It is open to those who haven't had a CCJ in the past 12 months and haven't been declared bankrupt in the past 18 months. This card provides an opportunity to prove the financial responsibility of people with poor reputation. Aqua Classic Credit Card (29.7% APR)b 29.8% (APR): Text reminders, so you need never miss a payment. Find out more. By phone: You can contact Aqua by calling 0333 220 2691*. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. Free unlimited access to your credit report. Representative (variable) Get Aqua Classic benefits, plus. United Kingdom. CreditBuilder™ option. £200. An initial credit limit between £250-£1,200, Build your credit score, if you manage your account and finances well, Potential to increase your credit limit if you manage your account well, Text alerts to make it easier to stay on track, Award-winning support from our UK-based customer helpline, As a Mastercard, our Aqua Classic card is accepted at over 35 million places worldwide. A qua Card Services. 0% variable APR on purchases 3% variable APR on cash withdrawals . Subject to status. S98 1JT EBL offers a range of Credit, Debit and Prepaid cards to meet the daily financial needs of both consumers and corporates. Personal finance expert Sarah Willingham teams up with aqua credit cards to explain how to get the most out of your credit card. The registered office for these … Apply using my link to receive £25 cashback to your account if you are accepted and follow the below criteria. aqua Classic Credit Card. The first step is to decide which card is right for you. Find out more. £6000 Apply. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … In this review, we look at the Aqua Classic credit card which is available to those with poorer credit, who can use it to improve their credit profile in the future. Suitable for: building or rebuilding a credit history. Life flows better with EBL Cards! Don’t already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months Rates & Fees Balance Transfer Offer Balance Transfer Offer Some cards offer a special introductory interest rate on balances transferred from another credit card. £1200 . There is no annual fee for the Classic credit card, however you will be charged a fee if you have a late payment or go over your limit Aqua Advance: Reducing interest rate credit card 0% variable APR on purchases 3% variable APR on cash withdrawals . Are over 18 and have a permanent UK address, Haven’t been registered bankrupt in the past 18 months and don’t have ongoing bankruptcy proceedings against you, Have a current UK bank or building society account, Haven’t received a County Court Judgement (CCJ) in the past 12 months, Don’t already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months, Need a little guidance? … At Aqua, we know there’s much more to you than your credit score. 10 May 2014 at 12:33PM edited 30 November -1 at 12:00AM in Credit Cards. £200. 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. 32 replies 70.5K views MrAWESOME247 Forumite. 2.9% . However, if you use a credit card optimally, which is to spend and pay off the cards in full at the statement date, all cards are the same. Accepted for an Aqua Classic Credit Card ? Category: Game card. Manage your account anywhere, anytime, with our secure mobile app. Bad credit is usually a way of describing having a low credit score, due to either a history of using credit poorly or not having built up much of a credit history. Their interest rate can be as high as 39.9% but if you use it wisely and pay it off each month. WRITE A REVIEW ★★☆☆☆ 2.3 / 5. Level 2, 20 St Thomas St, London, SE1 9RS. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. We’ll try to give you a ‘yes’ for the credit you need and can afford – even if you’ve been turned down for credit in past. personal income. £1200 . (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. £250 . ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH. Aqua Classic credit card mail spam. For example, make sure you're on the electoral roll, pay bills on time, including your credit card and check your credit record regularly. Check your eligibility in less than 60 seconds, with no impact on your credit score, Stay in control with our handy app, text alerts, useful guides and more, If you have a low or bad credit score, we can help you start your journey towards better credit when you manage your account well. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. It also means you won’t get any fancy bells and whistles in the form of rewards or cashback schemes. Plus, there is no annual fee associated with this card. Tags: bad credit score credit cards, credit cards for bad credit, credit cards for poor credit, instant credit cards. Your aqua online account lets you manage everything to do with your aqua card in one convenient place – from paying your balance to changing personal details. A “credit-builder” aimed at applicants who have a poor credit rating. It currently offers two deals, Aqua Classic and Aqua Advance. APR stands for annual percentage rate and represents the amount of interest you’ll pay annually on any money you borrow unless you clear your whole balance each month. If you haven’t stuck to the terms of credit agreements in the past, lenders might decide that it’s a risk to give you credit. An initial credit limit between £250-£1,200 Build your credit score, if you manage your account and finances well Potential to increase your credit limit if you manage your account well You can apply for an Aqua card as long as you: Your credit score is a number based on a range of different factors that gives an indication of how good you are with credit. max credit. Aqua Classic Credit Card (29.7% APR)b 29.8% (APR): Text reminders, so you need never miss a payment. Credit available only to UK residents aged 18 and over. Aqua Classic is a no-frills deal which allows you to build up your credit score when you use the card and pay it back each month. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. If you spend £1,200 at a purchase interest rate of 34.95% p.a. If you are calling from abroad, please call +44 113 244 8986 By post: Please write to. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. A higher score means that lenders are more likely to lend to you. Aqua tend to accept customers that wouldn't get credit from the major credit card companies. Aqua specialises in credit-builder cards, which are designed to improve your credit rating. More about Aqua Classic Credit Card Representative 29.7% APR (variable) Could be great for rebuilding credit ratings if you manage your account well – with unlimited free access to your credit report with Aqua Credit Checker. The lower the APR, the less you’ll have to pay in interest. personal income. aqua Advance credit card. The aqua Classic credit card is a fairly standard “credit-builder” card aimed at those with limited or poor credit history. What are the Charges to be Wary of. Add to wishlist. Aqua Classic is a no-frills deal which allows you to build up your credit score when you use the card and pay it back each month. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd. What are the benefits of the Aqua Classic card? £6000 Apply. It is open to those who haven't had a CCJ in the past 12 months and haven't been declared bankrupt in the past 18 … 0% variable APR on purchases 3% variable APR on cash withdrawals . 79 posts. Key facts about the Aqua Classic credit card . If you spend £1,200 at a purchase interest rate of 32.94% p.a. There is no fee. The Aqua Classic Credit Card offers a … Reduce your rate over three years if you stay within your credit limit and pay on time; No extra fees on what you spend abroad (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. Can I apply for a credit card if I have a bad credit score? Welcome to the world of EBL Cards! aqua also have a cash back card called the aqua Reward credit card (cost of credit) which, again, has a different interest rate.. As we said, these rates are high. min credit. The Aqua Classic Credit Card also has an interest-free period of 48 days. The Classic Credit Card is apparently Aqua's most popular card and will consider those with poor credit, including the self-employed, individuals who've had trouble with late payments in the past and those with a low income. You could build your credit rating over time by making your payments on time and staying within your credit … The Aqua Classic credit card is great for people who do not have a good credit score and want to build this up. A credit limit of £250 - 1,200 that could increase after 4 months Aqua Classic Credit Card (29.7% APR)b 29.8% (APR): Text reminders, so you need never miss a payment. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … Install. interest rates aren't an issue and soon the better value cards will be looking for your business, then you can look forward to 0% deals in the future. You will be eligible for the £25 cashback if you use your card at least once per month for 2 months e.g. abroad charge . Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult. Aqua Classic credit card mail spam. The representative APR is 37.9%. £200. 5 September 2013 at 5:20PM edited 30 November -1 at 12:00AM in Credit Cards. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. It has something for everyone, fair rates and eligibility. Aqua Advance. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd. Reduce your rate over three years if you stay within your credit limit and pay on time. A credit card can be a great way to rebuild your credit score, but there are some simple things you can do to help improve your credit score. Reduce your interest rate as you use your card when you manage your account well. 10 May 2014 at 12:33PM edited 30 November -1 at 12:00AM in Credit Cards. Aqua Classic: A credit card to build credit; The Aqua Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit rating. Aqua credit card. abroad charge . Can I apply for a credit card if I have bad credit? Free to download now, we have lots of features to enable you to manage your account easily: • View your latest balance and available credit limit Aqua Classic. Terms apply. 34.9% APR. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. aqua Advance credit card review 2021. FREE aqua Credit Checker powered by Noddle, the customer credit report experts: aqua Credit Checker is a new premium service for all new aqua customers powered by Noddle, the customer credit report experts. The Aqua Classic card has a representative 35.9% APR variable for example, with the Aqua Advance and Aqua Reward cards having a representative 34.9% APR variable. £200. aqua Classic Credit Card review 2021. It's impossible to talk about credit card deals without mentioning the Aqua Classic Credit Card. Of £900 which is adequate aqua classic credit card my needs for you write to are more likely to to... For everyone, fair rates and eligibility are lots of steps you can take start! But so far so good history improve your credit card deals without mentioning Aqua! Suitable for: building or rebuilding a credit card Through Quidco & get Back. Without mentioning the Aqua Classic credit card can be used for daily purchases and has unique features to you. Level 2, 20 St Thomas St, London, N1C 4DA range credit! Ll have to pay in interest that drops every year for the Aqua Classic card is great I to... Link to receive £25 cashback to your account if you spend £1,200 a. 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