People are using the Aqua Credit Card regularly and in some cases, every day. Many people find the card useful for purchases such as dining out, buying new clothes, booking holidays and to cover the cost of everyday items.

It is easier to carry credit cards around compared to cash, which is one reason they are so appealing. They also provide a quick and simple way to pay for your goods, and you will find that they are accepted almost anywhere you wish to use them.

They can also be extremely handy in case you have an emergency, such as your car breaking down and having to get it to the nearest garage, or repairs needing done to your property. Emergencies can pop up anywhere, and usually when you least expect them.

Aqua Credit Card has a free credit score tool so you can see how you are progressing with building your score – this is to keep users motivated enough to keep me making the full payments.

Who are Aqua?

The Aqua Card is issued by NewDay Ltd, registered in the UK. The company assists customers with Card applications that take less than 60 seconds, and there are two credit cards available to customers in the UK.

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Where to Find Aqua Credit Card

Simply type in ‘Aqua’ into Google! It is the very first result.

Finding Aqua Credit Card

What’s the Aqua Credit Card all about?

The Aqua Credit Card is marketed to people who have less-than-perfect credit. They say that using their credit card will help build your credit score.

Build Better credit with Aqua

Aqua Credit Card Overview

IssuerNewDay Ltd
NetworkMastercard
Annual/monthly fees£0
Min credit limit£250
Max credit limitSubject to status: £1,200
Credit limit noteSubject to status
Purchases37.95%
Purchases interest-free period (days)48
Balance transfers37.95%
Additional cards available1

The representative APR is 35.9% for assumed spending of £1,200 which is repaid over the course of one year.

The Aqua credit card offers an interest-free period of 48 days for purchases made with it given that you pay the full balance on time. Please note that there is no interest-free period on cash advances or balance transfers.

As mentioned earlier, the card is aimed at individuals that want to repair and/or build their credit rating. This can be done by making your credit repayments on time and in full which this card will allow you to do.

Aqua Credit Card Fees and Charges

Annual/monthly fees£0
Minimum monthly payment1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.
Balance transfer fee3% (min. £3)
Money transfer fee3% (min. £3)
Foreign usage charge (EU)2.95%
Foreign usage charge (rest of world)2.95%
Cash advance fee5% (min. £4)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0

There is no annual fee for the classic credit card. You will however be charged a fee of £12 if you go over your limit or submit a payment late.

Aqua Credit Card Application Requirements

Minimum Age18
AvailabilityAvailable to new customers
Additional CriteriaYou must not have taken out an Aqua, marbles, opus or Fluid card in the past 12 months. You must not have received a County Court Judgement (CCJ) in the past 12 months.

Aqua do accept customers that have less-than-stellar credit scores. That being said, they do have some criteria. These are that you must not have undergone bankruptcy in the last 18 months and you must not have had a CCJ in the past year.

classic credit card

What’s the application process for an Aqua Credit Card?

Find out how to apply to an Aqua Credit Card below.

The eligibility check

Aqua has a 60 second ‘eligibility check’. This enables you to check to see if you would be accepted before submitting a full application, which could potentially impact your credit score.

Aqua has 60 second eligibility check

You’ll need the following details:

  • Title
  • First name
  • Last name
  • Date of birth
  • Marital status
  • Email
  • Mobile number
  • Your last 3 years of addresses
  • Your income

The full application

The full application requires you to check your details and read the legal documents. There’s also an opportunity to control how you receive your credit limit increases – whether it should happen automatically or manually.

Full application for Aqua credit card

Sealing the deal

Check a box which acts as your electronic signature and click the yellow ‘accept offer’ button.

eSignature to Accept offer

Final result

The success page tells the customer that the Aqua Credit Card will be in the post along with their pin code within 7-10 days.

Final result for Aqua credit card

References

CONC 13.1 Application

CONC 2.1 Application

CONC 5.2A Creditworthiness assessment

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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