09 Mar 2015. A recent law means you can get your credit score for free. Despite the fact I have been making payments on both cards over the phone to a person who seemed to have no problem with it. Finding Aqua Credit Card was ridiculously easy, I simply typed in ‘Aqua’ into Google! This card featured the starry holofoil paper that was eventually used on cards from Base Set through Fossil. These include Aqua Classic (which can be used to improve your credit rating and has a lower representative APR ), … 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 filled in the form and was told i’d been accepted and that I would receive my card and pin in the post, around half an hour later I received an email with my APR% (24.7%) and further confirmation of being accepted and was told again that within 10 working days I would receive my card and pin in the post. The first thing to do is get an accurate measure of your credit score. Ideal for use abroad/holidays . I figured that they’re more likely to accept my application as they market themselves as a credit builder credit card for people with poor credit. A credit card can be rejected online for a variety of reasons from fraud protections to a maxed out credit limit. My cards have been blocked because I had 2 aqua cards which I thought was okay. Aqua Card. The success page tells me my Aqua Credit Card will be in the post along with my pin code within 7-10 days. Luckily Aqua has a 60 second ‘eligibility check’ where you can check to see if you would be accepted before submitting a full application and potentially impacting your credit score even more. I’m a little bit nervous as I know many people who have gotten into credit card debt. Defiantly been accepted or could it still be declined . My credit score was so low and now I’m one more step closer to improving my credit score again. I can’t believe I’ve been accepted for a credit card. This was relatively straight forward. Iv never had any credit until about 1 month ago when I applied and was accepted for an aqua credit card and a Tesco credit card. Please remember that when you pay for anything in a foreign currency, depending on the type of Aqua card you have, you may incur a charge. There are other Aqua cards available. We provide short term loans and payday loans to those who need it most, and to those who require quick and simple financial assistance to help them out of a potentially damaging or disastrous financial situation. You have been accepted your pin and card will be posted out with details Of your credit limit and how to access it...nothing else no email or any other confirmation does this mean I have. They now tell me it's not okay. Trading address: So I recently got accepted for an Aqua Credit Card. The Aqua credit card boasts an interest-free period of 48 days for purchases made with it given that you pay the full balance on time. Rewards. I also set up a loqbox. 0. If the companies see that you’ve applied for lots of credit cards and loans recently it makes you look desperate and high risk, so they’re less likely to lend to you! Your email address will not be published. EBL MasterCard Aqua Prepaid CardEBL MasterCard Aqua Prepaid Card is EMV Chip card, bundled with a host of benefits. If you submit your details, the advice you will receive will be free of charge. I also note that they do Aqua Loans, so that may also come in handy in the future. MoneyNerd will only refer you to a properly authorised debt solution provider or credit broker authorised by the Financial Conduct Authority. The first step of the application is the no risk, 60 second eligiblity check. Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. The Aqua Credit Card is marketed to people like me who have less-than-perfect credit. Finally once you’ve entered everything to the best of your knowledge you just hit the big yellow ‘check my eligibility’ button. You’ll need the following details: At the bottom of the page, don’t forget to untick all of the marketing preferences so you don’t get spammed in the future! I chose Aqua Credit Card as it has a free credit score tool so I can see how I am progressing – hopefully this will keep me motivated enough to keep me making the full payments. 0.5% Cashback. Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, ... Never received my email till three 3 days later that said congrats, you have been approved. Deleted profile . Hotel Aqua Mar accepts these cards and reserves the right to temporarily hold an amount prior to arrival. A question about : Aqua card. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. BGS 9.5 at the best online prices at … Representative % APR (variable) 34.9 % APR. From the date you're accepted it takes between seven to 10 working days for your credit card to arrive. Also on this page there’s an opportunity to control how you recieve your credit limit increases – whether it should happen automatically or manually. Some solutions may incur a fee, but these will be fully explained to you by the advisor before you are asked to make a decision. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. I was accepted, yay. The cashback rate … Yesterday I was checking my credit report on Experian and took a look at the credit cards I was likely to be accepted for, to my surprise I was 100% likely to be accepted for an Aqua Classic credit card. Uncategorised With these cards you can also earn rewards in exchange for purchasing a range of good and services. A great rule of thumb is to only use the credit card to fund purchases that you have cash-on-hand for as well. In those cases we'll get in touch within the next seven to 10 working days. My credit score was so low and now I’m one more step closer to improving my credit score again. It’s marketed as a ‘credit builder’ option for exactly this reason. See if you’re likley to be accepted (in 1 minute! Subject to Terms and Conditions*. Aqua card. Representative Example and Representative APR. AMP Credit available only to UK residents aged 18 and over. It’s a later version of the four other specimens. Read to see how you can get accepted by...","keywords": ["Aqua credit card","credit card", "credit cards", "credit", "credit score"],"image": {"@type": "ImageObject","height": "50","width": "50","url": "https://moneynerd.co.uk/wp-content/uploads/2019/08/aqua-credit-card-application.png"},"author": "Robert Wright","publisher": {"@type": "Organization","name": "Money Nerd","sameAs": ["https://www.facebook.com/moneynerduk/","https://twitter.com/moneynerduk",""],"logo": {"@type": "ImageObject","url": "https://moneynerd.co.uk/wp-content/uploads/2020/09/Final-Copy-2-Copy.png"}}}. While it’s true that this card will help you rebuild your credit rating, there are still some actions which you’ll have to take to ensure this happens as well. Subject to status. You’ll be charged further if you want to take out cash or transfer it, but if you repay it in full and on time, you won’t be charged any interest. Conversely, if you've always been accepted in the past and just been rejected once, it's possible you simply don't fit one particular card company's customer profile. Posted on 14-05-2015 at 2.41PM . (and how to hide! Act fast – this offer lasts until 30th of November 2017. Iv been using the aqua card for just over a month and Iv already had my first statement from both aqua and loqbox. I decided to go for manually – it’s always risky for me to have too much credit, particularly if I were to go into debt again. This Black Friday weekend, we can both earn a £50 cashback if you apply and are accepted for an Aqua Card. The other main selling point for the Aqua Credit Card is the ‘helpful tools’ that will help me stay in control of my finances – I want to be able to set up spending limits and alerts so my spending doesn’t get out of control and so that I don’t miss a payment. Max Credit Limit £1,200. This will help keep your finances in check and will also ensure you can repay the outstanding balance on the credit card in full and on time every month. Of course, this means that Aqua do accept customers that have less-than-stellar credit scores. I am enjoying using aqua card and recommend it too Anyhow, enough about me, here’s what I had to go through to get accepted for the Aqua Credit Card. Each month you'll receive a statement from us showing where and when you used your aqua credit card, together with the amounts you spent. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. I am glad I applied and was successful to be accepted for aquacard easily, it has been handy and help at time of quick funds. Don’t worry, checking your score doesn’t impact your score in any way. Do this now. Aqua Cashback Credit Card - 0% Fee for Foreign Purchases. 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. Join our Credit Club for a full credit health check, including your free Experian Credit Report, Affordability Score and Credit Hit Rate . If I do that for a few months, then I should see my credit limit increase. HOWEVER, they have truly messed up at every stage of payment holiday during COVID causing rather a lot of stress. Apply. Does anybody have any experience going through this and not receiving the card? I was worried about applying to too many credit cards as I know that can impact your credit score. I decided to apply for the aqua classic card and was accepted straight away. The representative APR is 35.9% for assumed spending of £1,200 which is repaid over the course of one year. That being said, they do have some criteria. Fingers crossed!! A full list of providers is supplied here; To see how we use, store and share your contact information please read our Privacy Policy. Tests Welcome. Now this was a loooong page, however there’s very little to do on it. I was granted a payment holiday, thankfully. The company assists customers with Card applications take less than 60 seconds and there are two credit cards available to customers in the UK. Please note that there is no interest-free period on cash advances or balance transfers. However on credit karma it says I don’t have any credit account. Explore a list of possible reasons why this could be happening to you. Your Aqua credit card is a Mastercard, which means it’s accepted in more than 36 million places and over 600,000 cashpoints around the world. 0% on balance transfers for six months (3% fee applies) You could be accepted with limited credit history; Check My Eligibility. Representative Example. It was then extended to August. This will be added to your purchase and will not appear separately on your statement. That being said, it should be noted that you will be charged a fee of £12 if you go over your limit or submit a payment late. To my suprise I was given a 99% chance of being accepted for the Aqua Credit Card. You are under no obligation to proceed with any solution offered by the advisor. Portal. Malvern, WR14 3HA. You must pay at least the contractual minimum payment every month, which is an amount equal to the sum of interest, default fees plus either 1%, 2%, 2.5%, 2.75% or 3.25% of the full amount you owe, as shown on your statement (minimum £5). 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. 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. best way to pay credit card | Credit Card News, Credit Card Quesion – MoneySavingExpert.com Forums | Credit Card News. Just in case, I also downloaded the legal documents. The Aqua Card is issued by NewDay Ltd, registered in the UK. If you have been accepted, we'll try to tell you straight away. Re: Aqua Credit Card - Poor credit history but been accepted Aqua does cash back , is recommended for use abroad (if you pay on time) and they do regularly increase your limit and although the APR does get lower it's still high. Find many great new & used options and get the best deals for 2019 Bowman Chrome Wander Franco Aqua Shimmer Refractor #/125! But sometimes we may need more time to consider your application. I was accepted, yay. Once I have the card I will be able to download and log in to the app and see what features there are that can help me in my credit rebuilding journey. Firstly, I’d recommend you to only use the card for essential expenses such as fuel, groceries, utility bills, etc. However in few months I've got an increase in credit which was cool. You're not eligible for this card if you've had a CCJ in the last 12 months or if you've been declared bankrupt in the last 18 months; Rates & Fees. {"@context": "http://schema.org/","mainEntityOfPage": "www.moneynerd.co.uk/aqua-credit-card-application-review/","@type": "Article","headline": "Aqua Credit Card - Complete Overview with Advice, FAQs, Loopholes & More","datePublished": "2020-08-24","dateModified": "2020-04-29","description": "I've been struggling to rebuild my credit score, so I've decided to apply for an AQUA CREDIT CARD. Success! It was the very first result. ICO No: ZA75925. Have I been accepted for credit card ? I quickly checked my details and skimmed the legal documents. The key is not to treat the credit card like ‘free money’ and to make sure to pay it off every month. See more details. You can apply for a Aqua credit card with a limit of up to £300. To qualify for an aqua credit card, you must: Be 18 or over; Have a permanent UK address; Not have been registered bankrupt in the past 18 months or have bankruptcy proceedings against you; Have a current UK bank or building society account; Not have received a county court judgement in the past 12 months If I've been accepted, when do I get my card? As mentioned earlier, the card is aimed at individuals that want to repair and/or build their credit rating. Aqua’s credit cards are designed to help you improve your credit score. I intend to use my card day to day and pay off in full so high interest rate doesn't bother me. nkernick WWW. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. ), Get Them To Prove The Debt (With Letter Templates). I've seen other deals posted for credit cards such as the Halifax Clarity credit card that have 0% fee for foreign transactions. I’m very reluctant to believe that I am going to receive this card especially with such a low APR. Please see your credit card terms and … × Expand. You have to have the account open for 60 days within the sysytem, then call on the 61 or after. Learn more about 0% credit cards. I can’t believe I’ve been accepted for a credit card. Aqua have ruined my mental health & my credit score, I constantly live with anxiety and not knowing if I’ll be able to take out another credit card or even a mortgage because of the way I’ve been treated by them. Aqua have always previously been good… Aqua have always previously been good and it’s been great for rebuilding my credit rating. If you have been looking for an alternative to an Aqua credit card, or if you simply want an Aqua credit card alternative then look no further than LoanPig! Once I had checked over the full application, all it required me to do is check a box which acted as my electronic signature and click the big yellow ‘accept offer’ button. Terms apply. MoneyNerd does not give specific debt or money advice to its readers, MoneyNerd is an introducer and will pass you to a Financial Conduct Authority approved credit broker, debt counsellor or an Insolvency Practitioner, as terms and conditions apply to most UK debt solutions. I recommend Experian’s free credit report as this is what most lenders use to assess your credit-worthiness. Copyright © 2021 | WordPress Theme by MH Themes, Santander Everyday Credit Card – MoneySavingExpert.com Forums | Credit Card News, Virgin credit card – MoneySavingExpert.com Forums | Credit Card News, Accepted for Aqua Classic Card | Credit Card News. Aqua has launched two new credit cards aimed at those who are new to credit or who are trying to repair a damaged credit rating. Can anyone advise me I was accepted for an Aqua card yesterday the confirmation page said . You could be eligible for the card if you haven't been declared bankrupt in the past six years and don't have more than one CCJ. Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. Having been with Aqua for quite a… Having been with Aqua for quite a while, I was happy with their service until suddenly today, my limit was decreased out of the blue, just when I was about to go and purchase a vehicle for work. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay. Trading address: The Grange, Grange Road, Malvern, WR14 3HA. Success! Cards accepted at this property Hotel Aqua Mar accepts these cards and reserves the right to temporarily hold an amount prior to arrival. Aqua Classic with 6 month 0% Balance Transfer. These cards are tailored specifically for those that want to get all the reward benefits from a LLoyds credit card. The card was printed in 1998 to show in a media interview what Pokemon cards would look like. To me, £45 isn’t enough to fix the damage Aqua has caused to me personally, I have gone to financial ombudsman but god knows how long they will take. Don’t already have an aqua card and haven’t have taken out an aqua, marbles, opus or Fluid card in the past 12 months. I have a very limited Credit history and I want to build up my credit history and make it excellent for when I apply for a Mortgage in a few years. Add your Aqua card to your Digital Wallet to start making purchases instantly with your devices. ), Other things that sold me on the Aqua Credit Card, IVA Pros and Cons – Complete Analysis, Tips & More, Credit Card Debt Consolidation – All You Need to Know with Guide, FAQs & More, How Do Debt Collectors Find You in the UK? Trademark No: UK00003340161. This card was owned at one point by a member of WotC’s PR team. The risk here is when I submit the full application, even if I get declined, it will show on my credit reference file and negatively impact my credit score. Thus, leaving me back in financial difficulty to get back on the road so that I … 19th February 2019 In the Garden) AMEX BCE ($19,500) … The success page tells me my Aqua Credit Card will be in the post along with my pin code within 7-10 days. It takes 1 minute. They say that using thier credit card will help build your 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. aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. The Grange, Grange Road, Yesterday I was checking my credit report on Experian and took a look at the credit cards I was likely to be accepted for, to my surprise I was 100% likely to be accepted for an Aqua Classic credit card. This can be done by making your credit repayments on time and in full which this card will allow you to do. I’m guessing that once I submit my full application they will do some further checks and that’s why they can’t give me a 100% chance. For more information visit Barclaycard.co.uk. If you are passed to an Insolvency Provider these will only be Licensed and Authorised Insolvency Practitioners. Fingers crossed! 2. My card and pin arrived within 5 working days and I have been given a limit of £900 which is adequate for my needs. MoneyNerd is a trading name of MoneyNerd Limited, registered in England (12915403). I’d rather keep a low limit. But hey, 99% is almost 100%, so I thought I’d risk it and submit the full application. 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Repair and/or build their credit rating Aqua credit card like ‘ free money ’ and to sure... Later version of the application is the no risk, 60 second eligiblity check that. The advisor application is the no risk, 60 second eligiblity check to. Many people who have less-than-perfect credit any experience going through this and not receiving the card re to... A maxed out credit limit that being said, they do have criteria... Being said, they have truly messed up at every stage of payment holiday during COVID causing rather lot! At one point by a member of WotC ’ s free credit Report, Affordability score and credit Hit....