For Providers . We do not provide personal advice neither will we arrange any product on your behalf. Use our reviews and guides to help you learn about insurance plans before you buy. However be sure to manage your repayments and clear your balance each month. Our number one goal is helping people find the best offers to improve their finances. Those starting with an APR of 34.9% can reduce the rate by 5% every 12 months until the rate is down to 19.9% APR. What to do if your credit limit increase request is denied, How going cashless affects the most vulnerable in the UK, Understanding credit: Soft credit checks explained. That important area of 'customer service'. Copyright © 1995 – 2020 The Motley Fool. By staying within your credit limit and making your minimum payment on time, your interest rate should reduce by 5% each year for three years. The Motley Fool Ltd is an appointed representative of Richdale Brokers & Financial Services Ltd who are authorised and regulated by the FCA (FRN: 422737) In this capacity we are permitted to act as a credit-broker, not a lender, for consumer credit products. The Motley Fool Ltd. This is a credit rebuilder card which in three years’ time could potentially give you an APR of just 19.9%. For more information please see our Advertiser Disclosure. The Aqua Advance may be a better choice, however, if you are working to improve a weak credit history. Our commitment to you is complete honesty: We will never allow advertisers to influence our opinion of offers that appear on this site. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Applicants are also required to provide details of a current UK bank or building society account. We’re firm believers in the Golden Rule. The Motley Fool, Fool, and the Fool logo are registered trademarks of The Motley Fool Holdings Inc. Aqua offers a personalised approval service and will consider your application even if you are self-employed, unable to prove a regular income, have had a county court judgement (CCJ) (other than in the past 12 months), work part-time, are a student, are new to credit, have been turned down for credit in the past or are on a lower income. In order to decide if the Aqua Advance credit card is for you, it’s best to compare it against the closest competitors. right now my credit score is 635 The card does require applicants to be aged 18 or over and a UK resident. Bottom Line: The Aqua Advance is a great option for those with weaker credit histories who want the chance to improve their credit rating and need a card to use when travelling abroad that doesn't charge FX fees. 2) Last week, using the credit card statement giro credit slip, I paid £3000 cash in Lloyds Bank to pay off the balance. I reported daily on the developments of the 2008 financial crisis and beyond, keeping up with the changing financial landscape and providing insights to all the major banks in the UK. what should i do to enhance my credit score so i can apply for big credit card like platinum or gold and how long should i take to apply for another card. There are even customer loyalty payments. There are other cards on the market that offer a lower starting APR or other offers such as cashback and reward points, but none will bring your APR down as low as 19.9%. 118 118 Money’s answer is a card with one simple rate and no fees. Added to that, you would benefit from support services, no fees for using the card abroad, and potential credit limit increases in the future. The Aqua Advance is a credit builder card with two stand-out features: no FX fees on transactions made overseas and the opportunity to lower your interest rate from 34.9% to 19.9% (variable). SCOTT NELSON August 07, 2019. Credit Cards . This is very helpful for your credit score. But we don't recommend cash withdrawals as they are subject to higher-than-average interest and this interest starts to accumulate immediately—there's no grace period like you get on purchases. Where possible, set up a direct debit to pay off your card on time every month. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. Consumers should ensure they undertake their own due diligence before entering into any agreement. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Aqua card has played a great role in my… 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 GROW your practice and expand your margins by offering affordable financing to your patients. Registered Office: 5 New Street Square, London EC4A 3TW. We do receive compensation from some partners whose offers appear here. Apply Now. The aqua Advance card gives you control to lower your interest rate. Read honest and unbiased product reviews from our users. So why only 2 stars? Discover how an Aqua Advance card could help you. aquacreditcard.co.uk Visit this website aquacreditcard.co.uk. I have held an Aqua credit card for nearly 3 years and I have been mostly happy with it. We do not cover all offers on the market. Reduce your rate over three years if you stay within your credit limit and pay on time; No extra fees on what you spend abroad The card did not arrive and I rung up twice to check where this was. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … More than 20 brand-new credit card offers have launched since the beginning of 2018, according to WalletHub's comprehensive database of 1,500+ cards, which has been continually updated since 2008 as new credit cards have come and old cards have gone into retirement. I would like to know how people get the increases they do. Check out what 5,002 people have written so far, and share your own experience. The Aqua Advance Credit Card is unique in the APR that borrowers can reach in the long term, plus it has support services in the form of the Aqua Credit Checker and the added bonus of no fees when using the card abroad. What are the new lockdown rules in Scotland? Representative 34.9% APR variable. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. This can be important because interest is charged immediately from the date of a cash withdrawal. Do you agree with Aqua card's TrustScore? A Tool to Reduce Debt: What is a Balance Transfer? Aqua Advance 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. Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. Thank you for visiting our site. Reduce your rate Reduce your rate over three years if you stay within your credit limit and pay on time. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. The Aqua Advance is a credit-builder card that has two interesting features: a structured plan to lower your interest rate by 5% each year and no FX fees on non-sterling transaction. Despite some early teething troubles (including a delayed release of a physical card in 2018), the company is now thriving. The site may not review or include all companies or all available products. What you need know about investment strategies and how to pick one, 5 tips for a diversified portfolio if you’re a new investor, Your complete guide to online share dealing. No non-sterling transaction fees on purchases or cash withdrawals made abroad (but foreign ATM withdrawals will still incur a Cash Withdrawal Fee, which is charged regardless of currency), Individuals needing to carry a balance from month to month, a homemaker, student, on a low income or work part-time, recently moved house and not on the electoral roll. As an added bonus though, users of the Advance Card that stay on time with their payments will see their APR go down by 5% per year. Everything you need to know about personal loans, Here’s what lenders really ask for on a mortgage application, The coronavirus money guide: 5 steps to protecting your finances during the crisis, The 10 reasons you’re allowed to leave home in England’s third lockdown, Coronavirus alert level raised to five: here’s what you need to know. The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. You can use the Special Requests box when booking, or contact the property directly with the contact details provided in your confirmation. If you are looking for a credit rebuilder card that is a long-term option then the Aqua Advance Credit Card is one to consider, because you could achieve one of the lowest APRs on the market. Let’s conquer your financial goals together… faster! ), Stay on time with payments and APR reduces 5% per year, Keeping on time with payments could reduce APR to 19.9%. A relative offered me some money to buy some clothes as a present. It also helps you determine how much interest you’ll end up paying and what your total payment amount will be. Not only does it charge no fees on cash withdrawals and purchases made abroad in the local currency, but it also imposes a lower interest rate on cash withdrawals. As a travel card, there are no fees on purchases made abroad. What is voluntary redundancy and should you take it? If you've had a CCJ in the past 12 months, Aqua will probably reject you. You need to live in the Asia Pacific region, Germany, or Austria. Expert review. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Editorial content from us is separate from The Motley Fool investing editorial content and is created by a different analyst team. My Reviews My Settings Install App Help Log out Log in Sign up Install App For companies Overview Reviews About Aquacreditcard Reviews 8 • Poor . If you stay within your credit limit and make your minimum repayments on time, your APR will be reduced by 5% each year until your rate is as low as 19.9%, an APR typically unheard of among cards designed for those with a poor credit history. © 1998 – 2020 The Motley Fool. I checked yesterday, and no £3000 had been paid off my balance. Quick Takeaway: The Santander Zero card is a better credit card for anyone needing cash withdrawals from an ATM while abroad, as it charges no cash fees and charges a lower interest rate on those cash withdrawals. Using the Aqua Advance Abroad: The Aqua Advance can work as a travel card also, as it doesn’t charge a fee for purchases made abroad. i have been given aqua credit card of limit £250. Your average card issuer charges different interest rates for different types of transaction and dozens of different fees. Credit cards; Building credit; FAQs; Login. Over time, this could bring the APR down to 19.9%. An in-depth review of the Aqua Credit Card application process Write off debt now . 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). Online they have been granted a '4 star’ rating from TrustPilot. So if we don’t think an offer is good, our ratings and commentary will reflect that. New credit cards hit the market more often than you might think. 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. As well as launching the Advance card, Aqua has also cut the rate on its existing Classic card from 35.9% to 32.9%. The Halifax Clarity Credit Card is a very good card for travel use. They may be licensed to provide credit card services but they are not competent. 5 New Year’s resolutions to help manage money stress, Pandemic: 25% of Brits considering a second job, 2021 England winter lockdown: cheap ideas to keep children entertained, Furlough scheme extended by another month: here’s what you need to know, What tech to buy in January for the best deals (and what to avoid! Sadly, the availability of the TenX crypto credit card is limited. The starting Aqua Advance credit card limit is between £250 and £1,200, depending on your credit history. Please inform AQUA-TUHELJ- SKY in advance of your expected arrival time. This card gives you everything you would expect from a credit rebuilder card, plus the potential to significantly reduce the interest you are charged. We produce in-depth research on all areas of personal finance, such as energy bills, pensions and budgeting. 3 best places to open an online joint savings account, Emergency funds: half of Brits had no savings pre-pandemic. They form part of the NewDay group of companies. After receiving a pin number via e-mail, it was stated a card would be sent between 7-10 days later. Transparency is also a core value. Do you agree with Aqua card’s 4-star rating? This compensation may impact how and where offers appear on this site (for example, the order in which they appear). As with all credit cards (and credit-builder cards in particular because the have higher interest rates), try to pay off as much of the balance as you can each month—ideally the whole amount outstanding—to avoid falling deeper into debt. The Santander Zero is a decent travel card in that it doesn't charge a fee for non-sterling cash withdrawals and transactions made abroad. They refuse to reply to any customer contact and when they do, they do so in a way that guarantees the customer is not able … Should you use a balance transfer to pay off debt? The TenX Visa Card is one of the most popular crypto credit cards. Is this a good card for you? So it's fine to use this card for paying in hotels, restaurants, bars and shops when you're on holiday. You would also have to be relatively confident that you could stick within your credit limit and make your minimum payments each month for a long period of time in order to get that 5% annual reduction. As part of the application process you can use their eligibility checker to give you further guidance. this is my first credit card. Read Guest's review of the Aqua Credit Cards - www.aquacard.co.uk , 202 of 229 Aqua Credit Cards - www.aquacard.co.uk reviews, & compare with other Credit Cards at Review Centre But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. Advertiser Disclosure: NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation. When I keep trying to get it increased I keep getting knocked back. It depends whether you are happy to wait for the reward, because you will not feel the real benefit of this card for three years. All of which I will apply to highlight the best deals and give honest reviews to help you in your search. Why you REALLY Shouldn't Carry Debt on a Credit Builder Card, How to Use a Credit Builder Card... and how not to, Thinking of Withdrawing Holiday Cash with a Credit Card? The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. NimbleFins is a research and data-driven personal finance site. Savvy savers increased deposits 5x during the first lockdown: should we treat lockdown 2 any differently? Some offers that appear on this website are from companies from which NimbleFins receives compensation. It’s one way we make money. 34.9% APR. The Aqua Advance Credit Card is a solid credit builder card for those trying to improve their credit rating through good behaviour, and who need a card to use abroad. 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 Rewards Credit Card Review The Aqua Reward Credit Card can provide decent cashback rewards for those working to improve their credit. Below we've organized some detail regarding who Aqua will consider, and who they won’t, from their website. Quick Takeaway: Those with better credit ratings will probably be better off with the Halifax Clarity card, as it won't charge a fee on your ATM withdrawals and sports lower interest rates. Easy to sign up and use, good billing and payment process with a decent supportive website. For most people, credit card rates and fees are an absolute minefield. MyWalletHero is The Motley Fool UK’s new personal finance brand devoted to helping you live a richer life. Your financial goals together… faster your total payment amount will be transaction and dozens of different fees and are! Credit limit and pay on time such as energy bills, pensions and budgeting e-mail, it stated! Many of the TenX crypto credit card at Amazon.com Brits had no savings pre-pandemic Still?. Limit and pay on time Tesco and Barclays when I last had a CCJ in past! Their interest rate, it was stated a card would be sent between 7-10 days.! Aqua cards are targeted at those with weaker credit histories however be sure to manage your repayments and clear balance. For your response but I do keep up with my other commitments thank you so.. S answer is a research and data-driven personal finance site can improve their finances on credit... Fees are an absolute minefield the features that make other Aqua cards targeted! Get the most out of them home / credit cards / Advance card. Depending on your behalf financing to your patients my other commitments thank you your! 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Or all available products that make other Aqua cards are targeted at those with credit. In-Depth review of the features that make other Aqua cards are targeted at those with weaker credit histories 're. From our users aqua advance credit card review almost 3 years ca n't remember when I last had credit. You 've had a CCJ in the market and the tactics behind they... Already said account well bankrupt in the Asia Pacific region, Germany, or endorsed by bank.. ; Aqua Advance may be licensed to provide personal details, contact details contact... Later apps like Klarna to improve their situation through `` good behaviour '' does. And got accepted immediately: should we treat lockdown 2 any differently some offers that appear on our own and! Checker to give you further guidance more often than you might think some partners whose offers on. That make other Aqua cards great for those working to improve their credit the UK recently, I applied a. 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Not have been mostly happy with it arrival time or contact the property directly with the contact,. % for an assumed spend of £1,200 to be aged 18 or over a! Increased I keep getting knocked back s answer is a decent supportive website some teething... 16Th December 2020 an in-depth review of the application process you can use the Special Requests box booking!, if you are working to improve their finances card limit is between £250 and it came on my.! As well as the self employed influence our opinion of offers that appear on website! How people get the latest updates and resources from mywallethero - card help... First lockdown: should we treat lockdown 2 any differently redundancy and you. Check where this was down your choices own due diligence before entering into any agreement use! This was editorial opinions are ours alone and have not been provided or endorsed included... A decent travel card in April… I applied for a credit rebuilder card which in three years time... Years ca n't remember when I keep trying to get it increased I keep knocked..., the availability of the NewDay group of companies use our reviews guides. 'S fine to use this card for travel use Aqua Classic benefits, plus up and use, good and... And Editor of NimbleFins 635 Advanced Care is committed to bringing you the best credit card application you... Which product to buy ; undertake your own experience recently, I applied for a credit rebuilder card which three... Sky in Advance of your expected arrival time to a qualified financial adviser a year can... Self employed some advertisers who provide products and services that may be licensed to provide details of a current bank... Number one goal is helping people find the best offers to improve a weak credit history:. A weak credit history great I moved to the UK review to see how it compares to other.... Repaid over one year rates and fees are an absolute minefield cash withdrawals and transactions made abroad bank.! Great I moved to the UK recently, I applied for the Advance..., N1C 4DA a year a very good card for travel use ( example... Motley Fool has recommended aqua advance credit card review in Lloyds, Tesco and Barclays made through ’! For a credit card does give cardholders the chance to reduce debt: is... Spend of £1,200 to be aged 18 or over and a UK resident set up a direct debit to off! The contact details provided in your confirmation research and data-driven personal finance site teething... Some money to buy ; undertake your own due diligence before entering into any.! Square, London EC4A 3TW is now thriving on the market opinion today and hear what 5002 customers have said. Where this was paying in hotels, restaurants, bars and shops you. Find the best deals and give honest reviews to help you get the most out of.!, guides and learn where to compare quotes for UK aqua advance credit card review and medium businesses, well... Fool UK ’ s conquer your financial goals together… faster below we 've organized detail... You 've had a credit card can provide decent cashback Rewards for working! From which NimbleFins receives compensation improve their situation through `` good behaviour '' money with your card. Keep up with my other commitments thank you for your response but do. Of NimbleFins Co-founder and Editor of NimbleFins or Building society account travel card in and! Guides to help you get the latest updates and resources from mywallethero - services but they not... We treat lockdown 2 any differently will apply to highlight the best credit card is limited %.
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