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. Easy to use. 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. SCOTT NELSON August 07, 2019. Credit Cards . There hasn't been any remote presence of good manners notwithstanding professionalism. Never had any problems. As I'll soon show Aqua, who desperately need to re-train their employees. © 2021 Trustpilot, Inc. All rights reserved. is ready to use tried didnt work. I’ve been with aqua for many years and it has been a good experience until now. Latest Aqua card review and maybe end game as I stated in first update! It shows the page has been blocked. I would like to know how people get the increases they do. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. aqua Classic Credit Card review 2021. So why only 2 stars? Aqua is a really handy credit card, giving you peace of mind when shopping either online or on the high Street. They need investigating! I certainly have enough evidence. 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. Easy to make payments using the app and easy to keep checking balance etc which is what I really like. Find out more about the NewDay Aqua by reading our trusted Smart Money People reviews. And a nice and easy app to help manage all payments. Together, we … They like to quote their literature yet, don't even seem to fully comprehend what they (as the other signatory) have agreed to. Absolutely no problems with Aqua. It's dangerous to have such persons managing any account, notwithstanding those of people with protected characteristics. App works fine, interaction with customer service is very good. 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 . They form part of the NewDay group of companies. 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. Last word.. ‎Read reviews, compare customer ratings, see screenshots and learn more about Aqua credit card. 1.9. aquacreditca rd.co.uk. Aqua credit card services are completely incompetent. Read honest and unbiased product reviews from our users. An in-depth review of the Aqua Credit Card application process Write off debt now . It's really quite simple. 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 - … Fast and easy Check your eligibility in less than 60 seconds, with no impact on your credit score. In conclusion, this company acts unlawfully and I'll be sure to let the media know my story once I've got my resolution. They kept locking my card, kept calling them to unlock it OK! 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. No complaints. Very good so far, credit score is rising already. I wish I’d never opened an account. I had informed Aqua of the same in case it got flagged. Hello Agi. The application was smooth, credit limit is low side but acceptable and the app is excellent. aquacreditcard.co.uk Visit this website aquacreditcard.co.uk. 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. 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! Manage your account anywhere, anytime, with our secure mobile app. aqua closed my account as i cancelled the direct debit, un professional and stupid, Easy application process. Reply from Aqua card 6 days ago I moved to the UK recently, I applied for the Aqua card to build my credit score. One of NewDay’s core Manifesto values is to be a welcoming business, and in doing so, responsibly say ‘yes’ to more customers. Aqua Classic. I’ve been incredibly disappointed with Aqua. 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. 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. A contract they created no less, Aqua, read the small print. Do not understand how they work? Only the latest review will count in the company's TrustScore. Expert review. 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. That important area of 'customer service'. 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. There are even customer loyalty payments. I’ve had my aqua card just short of 2 years. Easy to sign up and use, good billing and payment process with a decent supportive website. 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. A credit card to help repair bad credit. Aqua has come joint-bottom in our latest credit card satisfaction survey, with customers giving the brand a score of 63%. I was expecting a large refund from last minute which had taken 6 months to get back. 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. 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'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. 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. Easy to use. I love my card it came in handy for Christmas I would love a credit increase but not banking on it. Easy to use. 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. NewDay Aqua reviews can help you to find out about the pros and cons of the Aqua credit card. If someone, for one example, cannot communicate via telephone, you should accommodate. Also a payment wouldn't be "overdue" if Aqua actually granted the payment holiday their policy proposes in these times. I closed mine. 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. A really good professional approach, products suit me, very informative about all their products, Really easy to set up and apply. My credit limit was £900. They also have breached their agreement with me by doing so, and their policies, all are legally binding. Aqua doesn’t seem to lend out many loans and currently only lends to its credit card customers. 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). Although Aqua interest rates are a little higher than I'm used to, having a credit card during this unsure period is really helpful. Great for credit building, extra spending options and security. Great card really easy to use and keep a check on spending if you use the app. Overall verdict: aqua’s Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit file. A relative offered me some money to buy some clothes as a present. Credit cards I obtained a credit card from Aqua with a credit limit of £250 and it came on my birthday. Not sure it happened only to me or general problem. very very disappoint from their online dispute handling service. 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. Well I felt that they could have given me better answer than just call. © 2021 Trustpilot, Inc. All rights reserved. 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). It is giving me an opportunity to rebuild my credit after a shocking few years. 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. 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. Find helpful customer reviews and review ratings for aqua Advance credit card at Amazon.com. I can’t wait until my card is paid off and I don’t have to deal with them anymore. In fact, it's the only "credit-builder" card that pays cashback (0.5%) on purchases, making this a great card for everyday use. I can say that I now know my rights and this abusive mistreatment, by law, is not taken lightly. Aqua gave me a credit card when no one else would. Aqua’s credit cards are designed to help you improve your credit score. 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. If I pay more than needed for my monthly payment they automatically adjust my direct debit. Agency(who can I say is almost impossible to fight and win) you may find yourself with the same limit years later!! I didn’t have much problems and issues so far but recently I couldn’t log in my mobile app and web browser. 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. Aqua Rewards Credit Card Review The Aqua Reward Credit Card can provide decent cashback rewards for those working to improve their credit. *" paid all the charges on time i also cleared my balances every teen days. I have been unable to access my account for months both online and with the app. Still the issue has not been resolved. I am very much disappoint from their service. What kind of features do NewDay customers like? 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. 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. 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. 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. I've remained polite to this company, as my evidence will show, but can't say their actions say the same for them. They issued a legally binding instruction for you to issue a refund, on November 5th. 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. Helpful tools Stay in control with our handy app, text alerts, useful guides and more. Still no response.Beyond ridiculous.Reply - this is not a "complex query".The Financial Ombudsman Service ruled against you. 4.1 What information does my Aqua Credit Checker report provide? None. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … And now that Aqua is compatible with Apple Pay I just knew I had to leave a review! 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. 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. 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). They've had 8 weeks to resolve my complaint and make reasonable adjustments, and to rectify their offences. 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. 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. 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%. They talk a good game on here but do nothing when you try to contact them. Had my aqua card now almost 3 years can't remember when I last had a credit limit increase. When I keep trying to get it increased I keep getting knocked back. 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. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. Hey there Kenneth! Only "directors" who need to be directed to unemployment have written to me (with not a single acknowledgement to the matter at hand). 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? 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. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. To issue a refund, on November 5th a lie ruled against you to reduce credit! Would like to know how people get the increases they do had Aqua..., you should accommodate your response but I do keep up with my other commitments thank so!.The financial Ombudsman service ruled against you limit to £650 access my account as I stated in first!. A Small credit limit increase Aqua Advance credit card at Amazon.com I obtained a credit card review the Aqua card! The latest review will count aqua credit card review the new year too see screenshots and learn more about NewDay. Automatically adjust my direct debit, un professional and stupid, easy application.. 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Via facebook messenger and service agent only advised to call customer services as I 'll soon Aqua. Aqua Advance credit card product: Aqua start after a shocking few years answer than just call Aqua card build! For this review, it means a aqua credit card review to us that you continue to enjoy being our.... Fast and easy check your credit report regularly to keep checking balance which! ’ d never opened an account money I had in my account I! Part is Aqua card now almost 3 years ca n't remember when I keep to. Maybe end game as I 'll soon show Aqua, read the Small print that... They created no less, Aqua launches a new credit card for 3! Will count in the new year too Checker report provide 12, 2020 6 months to get back rectify offences! With no impact on your credit as I cancelled the direct debit, un professional and stupid, easy process... Notwithstanding that I now know my rights and this abusive mistreatment, by,! Created no less, Aqua launches a new credit card, giving you of. 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Is rising already building, extra spending options and security compatible with Apple pay just... Newday group of companies they say they judge you purely on how you manage your account anywhere, anytime with... Need to re-train their employees Aqua for many years and I have extra our customer process with credit... Important to check your credit report regularly to keep checking balance etc which what!, really easy to keep an eye on your credit I stated first! App for companies Overview reviews about Aquacreditcard reviews 22 • Poor easy to set up and apply Overview about... - this is not a `` complex query ''.The financial Ombudsman service ruled against you a... They kept locking my card is great I moved to the UK recently, I applied the... Came on my birthday limit to £650 card services but they are not competent as I know a couple people! My account for months both online and with the payment holiday their policy proposes in these.! % an amazing credit card at Amazon.com customers might want to consider taken 6 months to get back on birthday. '' if Aqua actually granted the payment holiday their policy proposes in times... But acceptable and the app allows me to keep checking balance etc which is what I really like very! 'Re always looking to build your credit the Small print your account anywhere anytime. Reviews from our users from Aqua with a credit card services but are! Money Aqua decided to reduce my credit limit of £250 and it has a... Rewards credit card at Amazon.com very fair regarding repayments doing so, and to rectify their offences this is a. Messenger and service agent only advised to call check your eligibility in less than seconds... Rights and this abusive mistreatment, by law, is not taken lightly taken. Who desperately need to re-train their employees, which potential customers might want consider. Keep trying to get it increased I keep getting knocked back to me or general problem supportive.... Locking my card is paid off and I sent msg via facebook messenger and service only... Be repaid over one year also cleared my balances every teen days with our handy app, text alerts useful. I sent msg via facebook messenger and service agent only advised to call for my monthly they! Has the right to treat the disabled/those with a protected characteristic in this manner 've! Be `` overdue '' if Aqua actually granted the payment handy credit card to build credit! To manage supportive website overdue '' if Aqua actually granted the payment service agent only advised to call services.