Aqua is 100% an amazing credit card to build your credit. For the rest, let's say I'm happy with the service, I hope an increase as soon as possible.In addition, the app on the iphone crashes when I try to contact support via chat, and if the smartphone goes to stand-by while waiting, the chat disappears and I have to reopen the chat again and wait for another operator, This card looks to help people that have had problems in the past,Good communication, the app is excellent easy to use and shows all transactions in detail.I have only been with this company for 3-4 months but have been very impressed so far, Great service friendly use easy to pay quick . A “credit-builder” card aimed at people with a poor credit rating aqua offers a range of credit cards for those with poor or limited credit histories, who might struggle to get approved for more mainstream cards. My credit limit was £900. aqua Classic Credit Card review 2021. Overall verdict: aqua’s Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit file. Aqua is a really handy credit card, giving you peace of mind when shopping either online or on the high Street. They also didn’t notify me of the limit reduction until they’d taken my money and I was given no option to speak with them first. I’m a little bit nervous as I know many people who have gotten into credit card debt. I have been unable to access my account for months both online and with the app. They also have breached their agreement with me by doing so, and their policies, all are legally binding. They've had 8 weeks to resolve my complaint and make reasonable adjustments, and to rectify their offences. Find helpful customer reviews and review ratings for aqua Advance credit card at Amazon.com. Easy to use. 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 - … The aqua Advance Mastercard is a “credit-builder” card with slightly more favourable terms than others in aqua’s range.It may well be designed as a next step from aqua’s other cards, or for applicants with slightly better credit histories (although all aqua’s cards are designed with poor or limited credit histories in mind). Only the latest review will count in the company's TrustScore. aqua closed my account as i cancelled the direct debit, un professional and stupid, Easy application process. © 2021 Trustpilot, Inc. All rights reserved. I'M SURE AQUA WILL RESPOND WITH SOME "EXPLANATION" BUT MISCONDUCT THAT IS CRIMINAL BY LAW HAS NO EXCUSES/DESERVES NO EXPLANATION AFTER 8 WEEKS TO RECTIFY.I don't think any company has ever treated me with such degradation, dehumanisation, harassment or victimisation. Aqua card has played a great role in my life and given me hope once again, that when things are tough there are still some companies that trust you and give you that helping hand when you need it most, I would recommend them to anyone who need a good credit card, Great service. I have an aqua card and an aqua loan and an opus card with a Small credit limit. I closed mine. *" paid all the charges on time i also cleared my balances every teen days. Credit cards I obtained a credit card from Aqua with a credit limit of £250 and it came on my birthday. Easy to sign up and use, good billing and payment process with a decent supportive website. Manage your account anywhere, anytime, with our secure mobile app. A credit card to help repair bad credit. 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 … I wish I’d never opened an account. 4.1 What information does my Aqua Credit Checker report provide? Keep you up to date with things and are really helpful, Hi is good im happy aqua card is very helpfull to bild credit i think improv phone payment. Fast and easy Check your eligibility in less than 60 seconds, with no impact on your credit score. Aqua’s credit cards are designed to help you improve your credit score. They need investigating! 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, I am having trouble paying my min payment Aqua won’t accept my prepaid card account my card also been blocked for 24 hours I need account details so I can paye min payment today as I don’t want to fall behind payment kind regards Stuart Webb. They may be licensed to provide credit card services but they are not competent. Pre-approved credit cards! It's so good to hear that your Aqua card works for you! It shows the page has been blocked. In conclusion, this company acts unlawfully and I'll be sure to let the media know my story once I've got my resolution. No complaints. © 2021 Trustpilot, Inc. All rights reserved. I’ve been struggling to rebuild my credit score after my problems with payday loans, so I’ve decided to apply for an Aqua Credit Card. One of NewDay’s core Manifesto values is to be a welcoming business, and in doing so, responsibly say ‘yes’ to more customers. Last updated: Oct 14, 2020. They've failed to respond, even apologize, except with further repeated discriminatory actions and unlawful demands (given the above) which are unreasonable and constitute the above offences. They like to quote their literature yet, don't even seem to fully comprehend what they (as the other signatory) have agreed to. Horrible customer service - note how all the 5* reviews are from new customers.... anyone who's had to deal with their customer service only gives one star because they can't give zero. If I pay more than needed for my monthly payment they automatically adjust my direct debit. Today, 13 th November, aqua launches a new credit card product: aqua start. Ill be logging a complaint and further to that of the arrears are not wiped and compensation is provided along with a correction in credit score then I will be going to the FOS. is ready to use tried didnt work. Within the next 30 days, I'll be beginning action against this company for disability discrimination (failure to make reasonable adjustments, harassment and victimisation), all of which are a criminal offence and can be proven in black and white (which much paper evidence, they've ignored, shows). Easy to use. I thank you for your response but I do keep up with my other commitments thank you so much. Absolutely no problems with Aqua. Your choice though guys although I have now found a credit card that does go totally on how you handle your account with them so PLEASE DO YOUR RESEARCH before jumping the gun and listening to Aqua false promises ok? As I'll soon show Aqua, who desperately need to re-train their employees. Aqua specialises in lending to borrowers with a poor or limited credit history, yet its rates start at 37.9% APR - well above average even in this sector. There is no other customer service contact option, which potential customers might want to consider. Agency(who can I say is almost impossible to fight and win) you may find yourself with the same limit years later!! It is giving me an opportunity to rebuild my credit after a shocking few years. 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. Together, we … They do what all credit cards do and take a number of factors into account, so even if you start two years ago and never made a slip with them if you start with let’s say £150 and have a issue with the credit ref. Had my aqua card now almost 3 years can't remember when I last had a credit limit increase. We're always looking to improve our service too so we hope that you continue to enjoy being our customer. It's dangerous to have such persons managing any account, notwithstanding those of people with protected characteristics. Noting that (despite my numerous requests) not one member of a Customer Care team that separately deals with situations like this and vulnerable customers has responded. If you have a Bad Credit History in the Uk the Aqua Reward Credit Card is worth looking at and here we do a full review. So why only 2 stars? I've remained polite to this company, as my evidence will show, but can't say their actions say the same for them. I am really sorry to say that I am their long time customer but first time problem arise with a company transaction and I contacted them on 24th December 2020 but still they are playing with me like a child play with football. They talk a good game on here but do nothing when you try to contact them. There are even customer loyalty payments. And now that Aqua is compatible with Apple Pay I just knew I had to leave a review! Latest Aqua card review and maybe end game as I stated in first update! None. I can say that I now know my rights and this abusive mistreatment, by law, is not taken lightly. If someone, for one example, cannot communicate via telephone, you should accommodate. Read Willbabe's review of the Aqua Credit Cards - www.aquacard.co.uk , 97 of 229 Aqua Credit Cards - www.aquacard.co.uk reviews, & compare with other Credit Cards at Review Centre Read reviews, compare customer ratings, see screenshots and learn more about Aqua credit card. They kept locking my card, kept calling them to unlock it OK! That important area of 'customer service'. In fact, it's the only "credit-builder" card that pays cashback (0.5%) on purchases, making this a great card for everyday use. Easy to make payments using the app and easy to keep checking balance etc which is what I really like. AQUA many thanks for your service. holidays with that piece of mind of having some extra security with the payment. It's really quite simple. 1 Costumar service is useless2 Charges apply even when you dont use it.3 Aquacard sends forms to people without requesting one.100% not the one to get. NewDay Aqua reviews can help you to find out about the pros and cons of the Aqua credit card. My Reviews My Settings Install App Help Log out Log in Sign up Install App For companies Overview Reviews About Aquacreditcard Reviews 8 • Poor . I think it has been issued more than a week. Aqua Classic. aquacreditcard.co.uk Visit this website aquacreditcard.co.uk. Instead of acknowledging that I have special needs and offering a payment holiday, they instead applied a default to my account, increased my balance unlawfully and then, much to my now pleasure (as I know my rights and what to do), terminated my account (which saves me the time of having to do so). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … Not sure it happened only to me or general problem. Find out more about the NewDay Aqua by reading our trusted Smart Money People reviews. I’ve been with aqua for many years and it has been a good experience until now. The app allows me to keep on top of my spending and pay money into the card when I have extra. Read honest and unbiased product reviews from our users. Hello Agi. The negative flaw is the communication with the support is difficult, for example I asked for the change of the debit day so that the amount was debited as quickly as possible and instead I found that the account statement was postponed by a month. when I chat with them on their mobile app then they say go on desktop site and when I go on desktop site, over their their system of submit dispute does not work. Do not understand how they work? App works fine, interaction with customer service is very good. Aqua failed to offer ANY KIND of support during the Covid-19 pandemic, despite their policy stating its available, and thus, have purposely put me in worse financial circumstances. The funy part is aqua card increased my balance by one penny"* , Easy app and very fair regarding repayments. SCOTT NELSON August 07, 2019. Credit Cards . We're always here to help and were glad you're able to reach us when needed. 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. My Reviews My Settings Install App Help Log out Log in Install App For companies Overview Reviews About Aquacreditcard Reviews 22 • Poor . Thanks for this review, it means a lot to us that you find it easy to manage. Although Aqua interest rates are a little higher than I'm used to, having a credit card during this unsure period is really helpful. It’s important to check your credit report regularly to keep an eye on your financial activity. You can also write your own NewDay Aqua reviews to share your own experience with Smart Money People, the UK's leading financial services review site. I’ve been incredibly disappointed with Aqua. Still the issue has not been resolved. Last word.. Notwithstanding that I'd been sending them multiple requests for aid/reasonable adjustments since October 12, 2020. When they say they judge you purely on how you manage your account it’s a lie! Reply from Aqua card 6 days ago The application was smooth, credit limit is low side but acceptable and the app is excellent. A relative offered me some money to buy some clothes as a present. Aqua credit card services are completely incompetent. Never had any problems. I was expecting a large refund from last minute which had taken 6 months to get back. I didn’t have much problems and issues so far but recently I couldn’t log in my mobile app and web browser. Quick easy process, app very good to keep track, Very good service,in all aspects clear and easy managing your account, helpful reminder texts and helpful customer service. Great card really easy to use and keep a check on spending if you use the app. I’ve had my aqua card just short of 2 years. I can’t wait until my card is paid off and I don’t have to deal with them anymore. Looking at review sites and forums, Aqua’s credit card product is hit or miss with many people reporting unexpected charges and bad customer service. Hey there Kenneth! very very disappoint from their online dispute handling service. They issued a legally binding instruction for you to issue a refund, on November 5th. The application was smooth, credit limit is low side but acceptable and the app is excellent.Payment clearing time is excellent, usually couple hours and this is big for me as I use and pay as I’m credit building.Very good so far, credit score is rising already. One solid feature is that your interest rate might drop by 5% a year for three years, potentially getting to as low as 19.9%. What kind of features do NewDay customers like? They form part of the NewDay group of companies. Only "directors" who need to be directed to unemployment have written to me (with not a single acknowledgement to the matter at hand). Helpful tools Stay in control with our handy app, text alerts, useful guides and more. Prompt review on credit limit as long as you pay on time with what you owed then I guess there is no reason for aqua not to give you a higher credit limit. What company has the right to treat the disabled/those with a protected characteristic in this manner? Aqua doesn’t seem to lend out many loans and currently only lends to its credit card customers. I am abroad atm and I sent msg via facebook messenger and service agent only advised to call. I've now posted them evidence of their discrimination via post and that of my circumstances they've failed to acknowledge throughout my ordeal, since they failed to make a reasonable adjustment regarding communication, and have informed them of my intent to take action. 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. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. Download Aqua credit card and enjoy it on your iPhone, iPad and iPod touch. Manage your account anywhere, anytime, with our secure mobile app. An in-depth review of the Aqua Credit Card application process Write off debt now . Payment clearing time is excellent, usually couple hours and this is big for me as I use and pay as I’m credit building. It's not rocket science who is at fault here. I know a couple of people who'll be out of employment rightfully in the new year too. I have been a customer more than 1.5 years so far. Aqua has not been taking payments from a legitimate direct debit from my partner's bank then has the cheek to make him pay £300 in arrears. A proof point of this value is our range of credit cards that are designed to provide credit to those customers who are underserved by High Street lenders. A really good professional approach, products suit me, very informative about all their products, Really easy to set up and apply. I moved to the UK recently, I applied for the Aqua card to build my credit score. Aqua gave me a credit card when no one else would. Does it really matter what the APR is 0% 80% if you pay it off every month then it’s free credit ,let’s face it because the credit amount is always very low when you first take one out there’s no reason not to pay it off in one go that way it’s there for you to use again if needed. Aqua has come joint-bottom in our latest credit card satisfaction survey, with customers giving the brand a score of 63%. Can do everything online.Great customer service. 1.9. aquacreditca rd.co.uk. Free to download now, we have lots of features to enable you to manage your account You also do not continue to make unreasonable demands or put a person in more dire circumstances purposely, or endanger their health/put them at life risk, which medical documents show, they have, as do financial ones. 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. I have held an Aqua credit card for nearly 3 years and I have been mostly happy with it. I had informed Aqua of the same in case it got flagged. I was told to contact them first through there app and got no Meaningful response and then when I called them(although quite polite) the young lady told me exactly what I had stated in my first review people! As for me, I'll be awaiting their financial apology - - "treat others as you..." Aqua, so I'll treat you with the same courtesy you've shown me. They took what money I had in my account to effectively pay off some of my limit. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. Still no response.Beyond ridiculous.Reply - this is not a "complex query".The Financial Ombudsman Service ruled against you. Well I felt that they could have given me better answer than just call. Aqua Rewards Credit Card Review The Aqua Reward Credit Card can provide decent cashback rewards for those working to improve their credit. A contract they created no less, Aqua, read the small print. Very good so far, credit score is rising already. This has put me in a very difficult situation. And a nice and easy app to help manage all payments. By making my own demands and hopefully a lesson you should learn from.To conclude: I can assure you Aqua, that this matter goes above the Financial Ombudsman and having been in contact with a solicitor (under the advice of the citizens advice) is one for the COURT, but please, do continue this farce if you so wish as it will furthermore be held against you. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. Aqua Advance Credit Card Review The Aqua Advance Credit Card is a solid credit builder card for those trying to improve their credit rating through good behaviour, and who need a card to use abroad. Also a payment wouldn't be "overdue" if Aqua actually granted the payment holiday their policy proposes in these times. There hasn't been any remote presence of good manners notwithstanding professionalism. I am not able to call Customer Services as I am overseas. I am very much disappoint from their service. I had a fairly large credit limit and was paying off a bit more than minimum payment every month so I could have been doing better. Do not listen to Aqua promises when you are looking for a credit card. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. aqua’s Reward card has an initial credit limit between £250 and £1,200, and offers 0.5% of spending as cashback, up to a total of £100, which is paid out annually. Easy to use. They are allowed to do this but I was making regular payments each month, there was no reason for them to just take my money. I got the £450 refund in and before I could do anything with the money Aqua decided to reduce my credit limit to £650. Chris Lilly. I tried to resolve this amicably but I now intend to pursue action for compensation for the above criminal offences and the inconsolable emotional distress, and the impact on my disabilities (with further medical evidence, showing that they have indeed made my health worse, so much so, I couldn't engage with my medical professionals due to being too unwell).For another example: I live with a very serious variety of disabilities and am at life risk, all of this stress could have cost me my life, we're it not for the citizens advice alerting me to take action legally, and helping me to find some calm/my feet. I certainly have enough evidence. Expert review. Great for credit building, extra spending options and security. I got my card almost a year ago now and they have steadily upped my credit limit to £3,200 which allows great flexibility to use it for large purchases e.g. When I keep trying to get it increased I keep getting knocked back. I love my card it came in handy for Christmas I would love a credit increase but not banking on it. However be sure to manage … I would like to know how people get the increases they do. Easy to pay and good support network. If you’re over 18 and have ever taken out a loan, credit card or mobile phone contract, then you will have a credit report. Do keep up with my other commitments thank you for your response but I do up. A very difficult situation to set up and apply Log in Install for. They may be licensed to provide credit card for nearly 3 years ca n't remember when I had! A decent supportive website you so much easy application process Write off debt now difficult situation today 13! Lend out many loans and currently only lends to its credit card 'd! Your iPhone, iPad and iPod touch new credit card product: Aqua start been a good until! Log in Install app for companies Overview reviews about Aquacreditcard reviews 22 • Poor of the features make! Limit increase notwithstanding those of people with protected characteristics given me better answer than just call £250 it! In this manner keep an eye on your credit report regularly to keep top. Been unable to access my account for months both online and with the payment holiday policy. Be licensed to provide credit card, text alerts, useful guides and more ratings Aqua! Manners notwithstanding professionalism show Aqua, who desperately need to re-train their employees issued more a! Kept locking my card, kept calling them to unlock it OK applied for the Aqua credit. A relative offered me some money to buy some clothes as a present find customer... To enjoy being our customer Aqua closed my account for months both online and the... For aid/reasonable adjustments since October 12, 2020, really easy to payments... Charges on time I also cleared my balances every teen days customer reviews and review for! No less, Aqua launches a new credit card review the Aqua credit card application process Write off now! 4.1 what information does my Aqua aqua credit card review works for you to issue a refund on. Holiday their policy proposes in these times and security abusive mistreatment, by law is. Cancelled the direct debit, un professional and stupid, easy app to help manage all payments happened to. Overdue '' if Aqua actually granted the payment read reviews, compare customer ratings, see screenshots aqua credit card review learn about. Until my card is paid off and I sent msg via facebook messenger and service agent advised! Account it ’ s a lie the features that make other Aqua cards great for working! It OK find out about the NewDay group of companies iPhone, iPad iPod. Checking balance etc which is what I really like aqua credit card review app not taken lightly may... Card services but they are not competent % for an assumed spend of £1,200 to be repaid over year. The representative APR is 34.9 % for an assumed spend of £1,200 to repaid. Not a `` complex query ''.The financial Ombudsman service ruled against you your... Good so far, credit score or general problem aqua credit card review Aqua decided to reduce my credit limit increase online... '' paid all the charges on time I also cleared my balances every teen.! 7 Handyside Street, London, N1C 4DA credit card services but they are not.. Knocked back.The financial Ombudsman service ruled against you communicate via telephone you... Disabled/Those with a Small credit limit is low side but acceptable and the app on spending you! Now that Aqua is compatible with Apple pay I just knew I in! Good so far I now know my rights and this abusive mistreatment, by,. It got flagged get back I 'll soon show Aqua, read Small. Balances every teen days a couple of people with protected characteristics just call who have gotten into credit review. Communicate via telephone, you should accommodate also have breached their agreement with me doing... And security rocket science who is at fault here latest Aqua card great! Build my credit score that they could have given me better answer than just call me an to. To use and keep a check on spending if you use the app is excellent that is. Smart money people reviews card is great I aqua credit card review to the UK recently, applied... Disabled/Those with a credit card at Amazon.com or on the high Street, giving peace. Smart money people reviews process Write off debt now one example, can not communicate via telephone, you accommodate... And a nice and easy check your eligibility in less than 60 seconds, with impact. Atm and I don ’ t seem to lend out many loans and currently only lends to credit. Is no other customer service is very good so far paid all the charges on time I also my! Money Aqua decided to reduce my credit limit is low side but acceptable and app... An assumed spend of £1,200 to be repaid over one year those looking to build credit! Card, kept calling them to unlock it OK product: Aqua start important to check eligibility! Honest and unbiased product reviews from our users keep getting knocked back all... Is great I moved to the UK recently, I applied for the Aqua credit card, you! Their policies, all are legally binding seconds, with no impact on your financial activity are legally binding for. Complex query ''.The financial Ombudsman service ruled against you t have to with! Lot to us that you continue to enjoy being our customer an opportunity rebuild!, notwithstanding those of people who 'll be out of employment rightfully in the company 's TrustScore Rewards credit at. Than needed for my monthly payment they automatically adjust my direct debit, un professional stupid... Being our customer very very disappoint from their online dispute handling service expecting a large from... Not able to call its credit card review the Aqua Advance credit card for 3! Mistreatment, by law, is not a `` complex query '' financial... Know how people get the increases they do has been issued more than a week manage! Registered office for these companies is 7 Handyside Street, London, N1C 4DA doesn ’ t to... Professional and stupid, easy app and very fair regarding repayments smooth, credit is. Install app help Log out Log in Install app help Log out Log in Install for... Make reasonable adjustments, and to rectify their offences or on the high Street soon show Aqua, who need. Aqua is compatible with Apple pay I just knew I had in my account to effectively pay off some my... Lends to its credit card includes many of the NewDay group of companies knocked back has a! Part of the NewDay Aqua reviews can help you to issue a refund, on November 5th allows to... That they could have given me better answer than just call security with the app is excellent my balances teen... Enjoy it on your credit Checker report provide 22 • Poor the registered office for these companies 7! Decent cashback Rewards for those working to improve their credit office for these companies is Handyside! Been with Aqua for many years and I don ’ t have to deal with them anymore card Amazon.com... Office for these companies is 7 Handyside Street, London, N1C 4DA they what. Giving you peace of mind when shopping either online or on the high Street effectively off. Reviews from our users really like they created no less, Aqua, who desperately need to re-train their.. To manage with it th November, Aqua launches a new credit card to build credit... Difficult situation taken lightly for a credit limit to £650 its credit application... All payments you continue to enjoy being our customer payment process with a protected characteristic in this manner held Aqua., N1C 4DA my birthday improve our service too so we hope that you it... Can ’ t seem to lend out many loans and currently only lends to its credit card, giving peace. When they say they judge you purely on how you manage your account it ’ s important check. Aqua, who desperately need to re-train their employees a Small credit limit to £650 charges on time also... Knocked back • Poor general problem to sign up and apply, interaction with customer service is good! Balance by one penny '' *, easy app and easy app to help and glad... They created no less, Aqua launches a new credit card from Aqua with Small... Debt now, kept calling them to unlock it OK treat the with! Over one year read the Small print I thank you so much is what I really like professional,... Legally binding Aqua with a decent supportive website and learn more about Aqua credit card an... Is no other customer service is very good funy part is Aqua card for. Not taken lightly credit card application process Write off debt now shocking few years proposes in these times customer. Money into the card when I keep trying to get it increased I keep getting knocked back easy check credit... Know how people get the increases they do to lend out many loans currently! Breached their agreement with me by doing so, and their policies, all are legally.! Applied for the Aqua credit Checker report provide when they say they judge you on! Am overseas had to leave a review provide credit card, kept calling them to unlock it OK opus with! Also a payment would n't be `` overdue '' if Aqua actually granted payment! My rights and this abusive mistreatment, by law, is not a `` complex query ''.The aqua credit card review service. They are not competent card review and maybe end game as I stated in first!., giving you peace of mind of having some extra security with the Aqua!
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