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.
Where to Find Aqua Credit Card
Simply type in ‘Aqua’ into Google! It is the very first result.
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.
Aqua Credit Card Overview
|Min credit limit||£250|
|Max credit limit||Subject to status: £1,200|
|Credit limit note||Subject to status|
|Purchases interest-free period (days)||48|
|Additional cards available||1|
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
|Minimum monthly payment||1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance.|
|Balance transfer fee||3% (min. £3)|
|Money transfer fee||3% (min. £3)|
|Foreign usage charge (EU)||2.95%|
|Foreign usage charge (rest of world)||2.95%|
|Cash advance fee||5% (min. £4)|
|Late payment fee||£12|
|Exceeding limit fee||£12|
|Additional card 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
|Availability||Available to new customers|
|Additional Criteria||You 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.
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.
You’ll need the following details:
- First name
- Last name
- Date of birth
- Marital status
- 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.
Sealing the deal
Check a box which acts as your electronic signature and click the yellow ‘accept offer’ button.
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.