HOWEVER, they have truly messed up at every stage of payment holiday during COVID causing rather a lot of stress. Subject to Terms and Conditions*. Aqua Classic with 6 month 0% Balance Transfer. I’d rather keep a low limit. Have I been accepted for credit card ? Posted on 14-05-2015 at 2.41PM . Also on this page there’s an opportunity to control how you recieve your credit limit increases – whether it should happen automatically or manually. The key is not to treat the credit card like ‘free money’ and to make sure to pay it off every month. I was granted a payment holiday, thankfully. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. 0. Does anybody have any experience going through this and not receiving the card? Fingers crossed!! Explore a list of possible reasons why this could be happening to you. That being said, they do have some criteria. 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. {"@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. I was accepted, yay. I recommend Experian’s free credit report as this is what most lenders use to assess your credit-worthiness. 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. The representative APR is 35.9% for assumed spending of £1,200 which is repaid over the course of one year. (and how to hide! Aqua’s credit cards are designed to help you improve your credit score. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. MoneyNerd is a trading name of MoneyNerd Limited, registered in England (12915403). If I do that for a few months, then I should see my credit limit increase. With these cards you can also earn rewards in exchange for purchasing a range of good and services. Representative Example. 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. It’s a later version of the four other specimens. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. Of course, this means that Aqua do accept customers that have less-than-stellar credit scores. 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. From the date you're accepted it takes between seven to 10 working days for your credit card to arrive. Defiantly been accepted or could it still be declined . 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. You are under no obligation to proceed with any solution offered by the advisor. If you submit your details, the advice you will receive will be free of charge. 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"}}}. MoneyNerd will only refer you to a properly authorised debt solution provider or credit broker authorised by the Financial Conduct Authority. 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. If you have been accepted, we'll try to tell you straight away. 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. 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. 09 Mar 2015. Do this now. × Expand. Add your Aqua card to your Digital Wallet to start making purchases instantly with your devices. I quickly checked my details and skimmed the legal documents. Subject to status. Just in case, I also downloaded the legal documents. 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. Firstly, I’d recommend you to only use the card for essential expenses such as fuel, groceries, utility bills, etc. Find many great new & used options and get the best deals for 2019 Bowman Chrome Wander Franco Aqua Shimmer Refractor #/125! Ideal for use abroad/holidays . My card and pin arrived within 5 working days and I have been given a limit of £900 which is adequate for my needs. Trading address: The Grange, Grange Road, Malvern, WR14 3HA. See if you’re likley to be accepted (in 1 minute! The card was printed in 1998 to show in a media interview what Pokemon cards would look like. Success! EBL MasterCard Aqua Prepaid CardEBL MasterCard Aqua Prepaid Card is EMV Chip card, bundled with a host of benefits. The first step of the application is the no risk, 60 second eligiblity check. The Grange, Grange Road, 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. Malvern, WR14 3HA. 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! Portal. 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. Deleted profile . 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. Please see your credit card terms and … See more details. I also set up a loqbox. 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. 2. 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! Please note that there is no annual fee for the classic credit card. 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. Learn more about 0% credit cards. Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. Now this was a loooong page, however there’s very little to do on it. Cards accepted at this property Hotel Aqua Mar accepts these cards and reserves the right to temporarily hold an amount prior to arrival. My credit score was so low and now I’m one more step closer to improving my credit score again. Act fast – this offer lasts until 30th of November 2017. 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. Apply. I was worried about applying to too many credit cards as I know that can impact your credit score. 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. It was the very first result. Aqua Cashback Credit Card - 0% Fee for Foreign Purchases. I was accepted, yay. This was relatively straight forward. This card was owned at one point by a member of WotC’s PR team. best way to pay credit card | Credit Card News, Credit Card Quesion – MoneySavingExpert.com Forums | Credit Card News. 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. Don’t worry, checking your score doesn’t impact your score in any way. Terms apply. 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 intend to use my card day to day and pay off in full so high interest rate doesn't bother me. The cashback rate … 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. WWW. Aqua card. BGS 9.5 at the best online prices at … 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 company assists customers with Card applications take less than 60 seconds and there are two credit cards available to customers in the UK. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. I decided to apply for the aqua classic card and was accepted straight away. Join our Credit Club for a full credit health check, including your free Experian Credit Report, Affordability Score and Credit Hit Rate . It takes 1 minute. 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. A question about : Aqua card. 0.5% Cashback. If I've been accepted, when do I get my card? 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. 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. 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. 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. A full list of providers is supplied here; To see how we use, store and share your contact information please read our Privacy Policy. Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. 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 I’m very reluctant to believe that I am going to receive this card especially with such a low APR. So I recently got accepted for an Aqua Credit Card. 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. 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. Anyhow, enough about me, here’s what I had to go through to get accepted for the Aqua Credit Card. 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. 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. Thus, leaving me back in financial difficulty to get back on the road so that I … 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. 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. 19th February 2019 It was then extended to August. 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). The Aqua Credit Card is marketed to people like me who have less-than-perfect credit. Once I was 99% accepted I decided to go ahead with the full applicaiton. In those cases we'll get in touch within the next seven to 10 working days. 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. In the Garden) AMEX BCE ($19,500) … 0% on balance transfers for six months (3% fee applies) You could be accepted with limited credit history; Check My Eligibility. 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. Finding Aqua Credit Card was ridiculously easy, I simply typed in ‘Aqua’ into Google! ), 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? 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. These include Aqua Classic (which can be used to improve your credit rating and has a lower representative APR ), … Representative Example and Representative APR. ), 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. Uncategorised This card featured the starry holofoil paper that was eventually used on cards from Base Set through Fossil. ICO No: ZA75925. They now tell me it's not okay. Max Credit Limit £1,200. This will be added to your purchase and will not appear separately on your statement. The first thing to do is get an accurate measure of 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. A great rule of thumb is to only use the credit card to fund purchases that you have cash-on-hand for as well. There are other Aqua cards available. 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. This can be done by making your credit repayments on time and in full which this card will allow you to do. But hey, 99% is almost 100%, so I thought I’d risk it and submit the full application. The Aqua Card is issued by NewDay Ltd, registered in the UK. 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. Please note that there is no interest-free period on cash advances or balance transfers. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay. Hotel Aqua Mar accepts these cards and reserves the right to temporarily hold an amount prior to arrival. Trademark No: UK00003340161. They say that using thier credit card will help build your credit score. 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. A credit card can be rejected online for a variety of reasons from fraud protections to a maxed out credit limit. I also note that they do Aqua Loans, so that may also come in handy in the future. My cards have been blocked because I had 2 aqua cards which I thought was okay. I am enjoying using aqua card and recommend it too 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 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. Rewards. Aqua Card. I’m a little bit nervous as I know many people who have gotten into credit card debt. If you are passed to an Insolvency Provider these will only be Licensed and Authorised Insolvency Practitioners. 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. As mentioned earlier, the card is aimed at individuals that want to repair and/or build their credit rating. 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. Your email address will not be published. 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. 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. But sometimes we may need more time to consider your application. Representative % APR (variable) 34.9 % APR. These cards are tailored specifically for those that want to get all the reward benefits from a LLoyds credit card. Trading address: Tests Welcome. 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. A recent law means you can get your credit score for free. 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. However in few months I've got an increase in credit which was cool. Aqua have always previously been good… Aqua have always previously been good and it’s been great for rebuilding my credit rating. Finally once you’ve entered everything to the best of your knowledge you just hit the big yellow ‘check my eligibility’ button. 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. The success page tells me my Aqua Credit Card will be in the post along with my pin code within 7-10 days. You can apply for a Aqua credit card with a limit of up to £300. I can’t believe I’ve been accepted for a credit card. Iv been using the aqua card for just over a month and Iv already had my first statement from both aqua and loqbox. However on credit karma it says I don’t have any credit account. The success page tells me my Aqua Credit Card will be in the post along with my pin code within 7-10 days. It’s marketed as a ‘credit builder’ option for exactly this reason. You have to have the account open for 60 days within the sysytem, then call on the 61 or after. For more information visit Barclaycard.co.uk. Fingers crossed! To my suprise I was given a 99% chance of being accepted for the Aqua Credit Card. Can anyone advise me I was accepted for an Aqua card yesterday the confirmation page said . This Black Friday weekend, we can both earn a £50 cashback if you apply and are accepted for an Aqua Card. AMP Credit available only to UK residents aged 18 and over. 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