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Aqua Credit Card | Aqua Credit Cards Review

Aqua Credit Card.

The Aqua credit card is owned by New Day. There is four major credit card that comes from Aqua. These four credit card can be used for the building of credit rating. Through this review, I will be explaining briefly all the credit card that comes from Aqua together with how to log in, apply and make a payment on your Aqua credit card.

 Aqua Classic Credit Card

The Aqua Classic Credit Card is a standard card for building credit rating. However, this card has no annual fee, increases the credit limit of its customers every four months, has a high-interest rate and is a good card for those with low or no credit history. Also, it comes with very limited rewards.

Features of Aqua Classic Credit Card.

  • This credit card gives free text reminders and a credit report.
  • You are to pay a 95% foreign transaction fee.
  • It has no annual fee.
  • This card is a decent card for customers with low or no credit history.
  • It has an unsteady representative purchase APR of 35.9%.
  • The credit limit of this credit card ranges from £250 to £1,200.

Moreover, those accepted for this credit card shall be given a credit limit ranging from £250  to £1,200 that is based on their credit history, but those with low or no credit history will not be given a credit limit that is more than £400.

Notwithstanding the fact that this credit card does not come with rewards, but it gives you a credit report and grants you access to credit checker, it also allows you to set text reminders for overdraft and for your next payment.

Also, the variable APR for cash withdrawals can be 45.9% and above. In a situation where you are having a very bad credit history, the interest rate may increase the more.

Our View

This card is said to be a standard card for building credit history though, it does not have any reward. It also gives those having low or no credit history a second chance, to have a card with a good credit limit.

Advantages

  • It gives good credit limit to its customers.
  • This card also gives its customers, an automatic Aqua credit limit increase for every four months.
  • It is a decent card for building credit.
  • You can image, it gives you a free credit report and you can set up text reminders.
  • Also, you are given free access to Aqua credit checker.

Disadvantages of Aqua Classic Credit Card.

  • You are to pay a foreign transaction fee.
  • At first, you might be given a low credit limit.
  • It has an extremely high APR.
  • This card comes with no reward.

 Aqua Advance Credit Card

The Aqua Advance Credit Card is a good card that demands no annual fee, no foreign transaction fee and gives you an opportunity to reduce your interest rate in the first 3 years after account opening. But it comes with no reward. With this credit card you can reduce your interest rate by 5% each year {that is for the first 3 years after account opening}. So, all you have to do is to make your credit card payment early and avoid crossing your credit limit.

Features

  • The credit limit ranges from £250 to £1,200.
  • It demands no foreign transaction fee.
  • You will pay no annual fee while using this credit card.
  • This card helps you to reduce your interest rate by 5% each year if you make your payment early {up to 19.9%} in the first 3 years of account opening.
  • This is a card for customers that wish to use their credit limit in building their credit history.
  • It has an unsteady representative purchase APR of 34.9%.
  • Also, this credit card can be used abroad.

Though this credit card does not give you your credit report or allows you to set text alert, like the Aqua Classic credit card, it has a representative purchase  APR that is lower than that of the Aqua classic card and demands no foreign transaction fees.

Furthermore, making an early payment on this credit card gives you the chance to reduce your interest rate by 5% each year {for the first 3 years}. This credit card can be used abroad but as you do so, be mindful of the fact that you will be charged for any withdrawal made using this card. To enjoy using your credit card abroad, improve your credit.

Our View

The Aqua Advance credit card is a good credit card for building credit and it is better compared to the Aqua Classic card. But has no reward.

Aqua Credit Card

Advantages of Aqua Advance credit card.

  • It is a good card for building credit.
  • No foreign transaction fee is required.
  • This card gives good credit limit.
  • It demands no annual fee.

Disadvantages of Aqua Advance Credit Card.

  • It has no credit card management tool.
  • This credit card comes with an extremely high APR.
  • Using this card for the first time, you might be given a low credit limit.
  • This credit card offers no reward or bonuses.

 Aqua Reward Credit Card.

The Aqua Reward Credit Card is a good card from the Aqua credit card. It is a card that demands no annual fee, foreign transaction fee and gives you access to the free Aqua credit checker. With this credit card, you can enjoy cash back reward but, it does not give you the opportunity of reducing your interest rate, just like the Aqua Advance cards does. So, if you are not carrying any balance presently, you can apply for this card.

Features of Aqua Reward Credit Card.

  • You are to pay no transaction fee.
  • This credit card gives you 5% cash back for purchases made.
  • No annual fee is required while you use this card.
  • Its credit limit ranges from £250 to £1,200.
  • This credit card is a good card for customers who are willing to rebuild their credit history and receive rewards.
  • Finally, it has an unsteady representative purchase APR of 34.9%.

This is a credit card that gives reward though not much, to its customer while they rebuild their credit history. It has no annual fee, gives you access to the free Aqua credit checker like the Aqua Classic card but demands no foreign transaction fee.

In addition, you can get 5% cash back for purchases made using this credit card. But it must not exceed £100 in a year. That is to say, you shall only get cash back for the first £20,000 used for purchases in a year. If you wish to use this credit card, know it that you are not permitted to reduced your interest rate.

Our View

The Aqua Reward credit card is a card that can be used abroad. And customers shall be given rewards whenever they use this credit card abroad. Most especially, it is the best choice for customers having low or no credit history, and does not carry a balance. It is highly recommended among other Aqua credit cards.

Advantages of the Aqua Reward Credit Card.

  • This card has no annual fee.
  • It gives a good credit limit.
  • With this card, you will get 5% cash back for all purchases.
  • Also, this is an excellent card for building a credit history.

Disadvantages of the Aqua Reward Credit Card.

  • The cash back reward is high.
  • The amount of reward given to a customer for a year has a limit.
  • No foreign transaction fee is required.
  • It has extremely high APR.
  • And at first, you can be given a low credit limit.

Aqua Start Credit Card

The Aqua Start Credit Card is a card that comes with a credit management tools but, is referred to as an infirm or weak card, among the four credit cards that come from Aqua. This so because when it comes to giving reward or having decent features, it is weak. This card has no annual fee and a reduced credit limit. Because the credit limit is awarded based on your credit history and other situations.

Features of Aqua Start Credit Card.

  • It has a credit limit of £100 to £300.
  • This credit card gives a free credit report and text reminder.
  • It has an unsteady representative purchase APR of 49.9%.
  • You will have to pay no annual fee.
  • This credit card is a decent card for customers who wish to get their first card.

As I said earlier, this card is referred to as being an infirm card when it comes to decent features and rewards. The credit limit offered for this credit card is based on the customer’s situation and credit history. That is your credit limit can be from £100 to £300.

Moreover, this credit card demands a foreign transaction fee of 2.95%. It also comes with credit management tools which allow customers to carry out specific tasks like setting a text remainder for the making of payment and overdraft and give them access to their credit report. A customers credit limit will be increased provided that they always make an early payment.

Our View

It is regarded as an infirm credit card. And you can apply for it if you did not get any other good card.

Also, it can be used for building a credit history.

Advantages of Aqua Star Credit Card.

  • It allows you to freely access the Aqua credit checker.
  • It can be used for improving credit history.
  • This card gives you your credit report and text remainder.
  • Your credit limit is automatically increased every four months. While you use this card.
  • It has a credit limit.

Disadvantages of Aqua Star Credit Card.

  • You are to pay a foreign transaction fee.
  • This credit card has an unsteady interest rate.
  • This credit card gives a low credit limit.
  • It comes with no reward.

Aqua Credit Card Login

Having a credit card account is very necessary because with it you can check your balance and make a payment on your credit card. The login process here is the same for all the Aqua credit card.

To access your online account, go to the homepage of this credit card. Then, click on the “Login” button found on the right hand just up.

On the following page, you will be given an option to take a loan. But click on the “Continue To Login” button.

On the subsequent page, you will be given access to the login form. Where you are to sign in to your credit card online account.

So, input your username in the first field.

And your password in the second field.

Do not forget to tick the box next to “Remember My Username” as this allows you save your username for future use.

Finally, you are to click on “Login” and sign in to your account. You can now manage your credit card from Aqua online, provided you did everything correctly.

How to Make Payment

Making a payment on your credit card is now easy since there are a lot of ways of making a payment on your credit card.

All you have to do is to visit this credit card homepage.

Requirements

You are to have a bank account or an account in a developing society.

Must have no existing bankruptcy record.

Have to be 18 years old and must be a permanent resident

You must have not been taken to court to receive a judgment in the last 12 months.

And you have no Aqua credit card, or in the past 12 months, you have not been given a Marble, Fluid or an Opus card.

Also, you have no bankruptcy record in the past 18 months.

How to Apply

First, go to the homepage of this credit card and click on the “Apply Now” below the credit card option you choose.

After that, you will see at the top of the following page the requirements for this credit card. Make sure you match all those criteria.

You can now start completing the application form. But first, you should be submitting your personal details.

Then, your contact details including your address.

Also, give your employment status, your salary, and expenditure for a year.

Your bank details are also needed to give it.

Do not forget to indicate what type of reminder you want and the way in which you will like to control the increase in your credit limit.

Lastly, read the terms of this credit card and if you agree, click on the “Apply Now” button.

Notification will be sent you, telling you that your application has been submitted. Therefore, you will have to wait until you get the result of your application.

Alternatives to Aqua Credit Card.

You can consider a loan offer. Below are good options of which we recommend for you.

Peachy Loans.

The peachy loan is a good lender for borrowers who are in need of a loan for some days or months. You can be given a loan of £100 to £1,000 for some months. The lender is better when it comes to not requesting for the early payment fee. And this makes it a popular service.

MotorCity

The MotorCity is a public lender that gives pliable loans to its borrowers. Surprisingly, you can be given £500 to £5,000 for 3 months to 2 years. Also, it requires early payment fees.  I advise do not go for this loan if you can pay off in 3 months.