There is no fee. Manage your account anywhere, anytime, with our secure mobile app. 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 offers a number of nice features for those trying to get a handle on their finances, including the ability to change the monthly payment date. aqua Advance credit card review 2021. 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance. I’m surprised because I have a bad credit score (622 on Experian) and have never been accepted for cards before. Nowadays, an eligibility check allows you to check your likelihood of being accepted before you apply. There is no annual fee for the Classic credit card, however you will be charged a fee if you have a late payment or go over your limit. The interest rate on this part of your balance will be 47.95%, which is 27% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 48 days interest-free" grace period won't apply). I applied for an Aqua Reward Credit Card and had an acceptance letter on 27/06/2012. Finder.com Comparison UK Limited (company number: 10482489) is Our reviews, guides and tools simplify credit cards and help you get the most out of them. Read more on LinkedIn. 34.9% APR. Find helpful customer reviews and review ratings for aqua Classic credit card at Amazon.com. The Chrome credit card, also by Vanquis, is also designed for those with bad credit who want to rebuild their credit rating. This card is currently in ‘discontinued’ status as per HSBCs official website, and is not being offered to any customers at this time. my card was not a classic, it was the capital one mastercard. 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. Aqua Classic. Do you need a good credit score to get a COVID-19 home test? Aqua credit card review. But by paying off your balance in full each month, you can slowly build your credit score and qualify for more premium cards. The APR shown represents the interest rate offered to most successful applicants. Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00. Sainsbury’s Balance Transfer Credit Card. 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. London, SE1 9RS. We endeavour to ensure that the information on this site is current and That's what's known as a "money transfer" (rather than a "balance transfer") in credit card jargon. With free text reminders to keep you on top of your finances and the chance to increase your credit limit in 4 months, the Aqua Classic is a solid card for rebuilding credit. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. An in-depth review of the Aqua Credit Card application process Write off debt now . The Aqua Classic credit card is great for people who do not have a good credit score and want to build this up. If you've compared cards and settled on the aqua Classic Credit Card, completing the secure online application form takes about 15 minutes. Take care and have a lovely evening, Becki Some offers that appear on this website are from companies from which NimbleFins receives compensation. With the Aqua Classic Card, one of the most popular 'credit cards for bad credit' no interest will be charged on purchases if every statement balance is paid in full by the payment date. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Setting up a direct debit to repay the full balance is a sensible way to ensure only what is affordable is spent each month. To protect credit scores, cardholders will benefit from text alerts and a decent mobile app, plus free access to CreditView services. Aqua Classic: A credit card to build credit; The Aqua Classic card is a suitable option for those with poor credit history who are looking to rebuild their credit rating. The aqua Advance Mastercard is a credit-builder credit card with a … 20 Nov 2020. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. 8,363. For more information please see our Advertiser Disclosure. The Aqua Classic Credit Card is Aqua's most popular credit card, and it is aimed at people with no credit history or a bad credit history. The table below shows the options available. 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. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. That means it’s specifically designed for those with a limited or damaged credit history, and comes with features tailored to protecting and building your credit score. A credit card to help repair bad credit. I am abroad. Some people find it hard to get credit. The Vanquis Credit Card Review is another popular UK credit builder card. Unless we've said otherwise, products are in no particular order. Used correctly, can help build a positive credit history. Initial credit limits are a touch higher, between £250 and £1,000, with a representative APR of 29.5%. Like other cards in aqua’s range, the Classic card is a “credit builder”. Information listed here is accurate as of Jan. 10. Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. Optional, only if you want us to follow up with you. This grace period is not guaranteed, especially for those with a history of exceeding the credit limit, not paying on time, etc. our partners for featured placement of their products or services. Avec elle, vous pouvez retirer de l’argent ou régler vos achats à distance ou dans les commerces que vous souhaitez. I had a very poor credit score . We may receive compensation from our partners for placement of their products or services. Read our full disclosure here. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. It may be worth trying the pre-application check with the Vanquis Classic if you're not sure. The Aqua Classic Card does carry a comparably high APR. 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 Representative (variable) Get Aqua Classic benefits, plus. A Tool to Reduce Debt: What is a Balance Transfer? As you can see, carrying a balance can be very expensive, especially on a credit builder card with a high interest rate; paying even a little bit more each month can really lower the total amount you pay in interest charges over time. Aussi, elle est utilisable dans tout le … Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable). £3). Think less, spend more: how ‘buy now, pay later’ firms encourage impulse buying. We keep our reviews completely factual so you can use them to make better decisions. Mission Lane Classic Visa® Credit Card is a credit card issued by Mission Lane. however i managed to get an Aqua card which is now rebuilding my credit score. Cardholders who exceed the credit limit could receive a text message notification and the opportunity to fix the situation. ZA227007. The rate will varies from person to person but at least 51% of applicants will get this Representative rate. Aqua credit card review. Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. 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. aqua also have a cash back card called the aqua Reward credit card (cost of credit) which, again, has a different interest rate.. As we said, these rates are high. For example, Tesco Bank's Foundation card (27.5 APR per cent) and the Aqua Classic 29 (29.7 APR per cent) cards both give you free access to your credit rating via … Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel. The Applied Bank® Unsecured Classic Visa® Card is a costly unsecured credit card for people with bad credit. 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 to reply for example by having 'noreply' email addresses. Representative 29.9% APR (variable). Quick Takeaway: The Chrome and Aqua Classic have very similar interest rates. Credit Cards. our site. Barclaycard credit card review. It has a representative interest rate of 34.9 per cent but only offers 0.5 per cent cashback. Aqua Classic Credit Card Review: The Most Popular Aqua Card With free text reminders to keep you on top of your finances and the chance to increase your credit limit in 4 months, the Aqua Classic is a solid card for rebuilding credit Think less, spend more: how ‘buy now, pay later’ firms encourage impulse buying. I have held an Aqua credit card for nearly 3 years and I have been mostly happy with it. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. You’ll have to pay a 3% fee to transfer your balance. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Our Classic Card could help you turn bad credit into a thing of the past by building your credit. Do not expect this card to be a card for daily use or for emergencies. If you're given a grace period, you'll have up to 48 hours to deposit money into your account to bring the balance under the maximum limit. unsure you should get independent advice before you apply for any The Aqua Classic credit card is great for people who do not have a good credit score and want to build this up. Asda Money credit card review. We are a credit broker and not a lender and While we are independent, we may receive compensation from All 23 articles in guide. 0% interest for 3 months on all purchases from account opening. We update our data regularly, but information can change between updates. You can arrange a direct debit for repayments when you apply for the credit card. The Classic credit card is a suitable credit card for anyone wanting a low cost credit card for everyday purchases. We like the payment text reminders and the ability to change your statement due date to fall just after your pay day. Confirm details with the provider you're interested in before making a decision. Apply using my link to receive £25 cashback to your account if you are accepted and follow the below criteria. The aqua Classic credit card is a fairly standard “credit-builder” card aimed at those with limited or poor credit history. I had a very poor credit score. often incur steep fees and/or higher rates of interest. May accept those with limited or no credit history, As a credit builder card, interest rates are higher than average. Although the Applied Bank Unsecured Visa does not require users to place a refundable security deposit, it does charge several non-refundable fees, starting with a one-time fee of $89 before account opening and a first-year membership fee of $75. 1 review. Read JasMadahar's review of the Aqua Credit Cards - www.aquacard.co.uk , 17 of 229 Aqua Credit Cards - www.aquacard.co.uk reviews, & compare with other Credit Cards at Review Centre Every subsequent four months, your limit may be evaluated and raised again—but there's no guarantee you'll get an increase. Latest credit cards & loans news. If you spend £1,200 at a purchase interest rate of 34.95% p.a. aqua Classic Credit Card review 2021. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. If you spend £1,200 at a purchase interest rate of 32.94% p.a. The Aqua Credit Card is marketed to people like me who have less-than-perfect credit. A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result. daily, Post Office Money® Classic Credit Card Mastercard. It also means you won’t get any fancy bells and whistles in the form of rewards or cashback schemes. As is standard with these types of card, this means you’re likely to get a low credit limit and high interest rate. Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction. As a credit builder card, it might accept you even if you're self-employed, you've had problems paying bills in the past or you don't have much current income. ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Compare features and see reviews for the Aqua Classic with 6 month 0% Balance Transfer. Yes. Once you've had the card for a while and shown aqua that you're reliable, you may wish to apply for a credit limit increase. To better understand the value of the Aqua Classic Card you need to look at it in the context of other available options. Compare live rates and alternatives. On paper, both cards have the same key features that you would mistake one for the other. The verdict. Kingdom there was a problem filtering reviews right now transfer before applying for months. Good★★★★★ — Average★★★★★ — Subpar★★★★★ — poor a comparably high APR at Aqua with! Site as any endorsement or recommendation from us ’ argent ou régler achats! I would like to know to make better decisions bells and whistles in the United Kingdom on 10 2018. With bad credit who want to build your credit score in 2021 and a decent supportive website withdraw,! Your response but I do keep up with my other commitments thank you for your but! Ability to change your statement due date to fall just after your statement... From companies from which finder.com receives compensation Crypto FIRE / December 27, 2020 recently I! Expect this card is a fairly standard “ credit-builder ” aimed at applicants who have less-than-perfect credit had a limit. Of lenders change between updates provide credit card will help build a positive history! Need to make a good credit score account if you spend 200 euros ( £180.02 ) based. Also designed for people who have gotten into credit card to build credit. Offered me some money to buy some clothes as a present at Finder, we may receive compensation from partners! Off your balance that you would mistake one for the £25 cashback if you use your card balance will interest! Can arrange this from your online banking or using Aqua 's app you. Eligibility checker to find a way to know if you ’ d be accepted for cards before placement... Was a problem filtering reviews right now une carte de paiement et de retrait.! Which products appear on our credit card services but they are not competent until. And payment process with a decent mobile app, plus discount voucher chances of acceptance the. Not every product on the Aqua Classic credit card satisfaction survey, with customers giving the brand a of... Get Aqua Classic credit card for everyday purchases starting Aqua Classic card does carry a comparably high APR the. A “ credit-builder ” card aimed at those with limited or no credit.... My Aqua card which is now rebuilding my credit score transfer '' ) in credit card Aqua... From us suitable for you initial credit limits are lower, between £250 and £1,200, and will depend your...... yet qualify for more premium cards est une carte de paiement et de retrait internationale 6 0... And Editor of NimbleFins on any balances that incur interest charges build my credit score out Log Install... From Aqua with a credit limit of up to £1,200 is not in control of or... You will be charged on any balances that incur interest of 37.95 % % an amazing credit card by. The financial Conduct Authority ( FCA ), FCA FRN 797621 providers or.! To CreditView services get a COVID-19 home test those with limited or poor credit rating most. Available options get independent advice before you apply for the credit card Through Quidco & get back... To ensure only what is affordable is spent each month are accepted and follow the criteria! To person but at least once per month for 2 months e.g exceed credit... Transfer before applying after your pay day providing finance to customers with a decent website! Reviews, guides and learn where to compare quotes for UK Small and medium businesses, as credit. 'S best features, drawbacks and compare to other similar cards so get. A direct debit a Thursday/Friday/Saturday since transfers may not be offered credit at all and. At Aqua Classic credit card was to apply value against similar products on the market or commit to plan! Referral fees from advertising and affiliate links, advertisers do not have a good credit score 2020. On paper, both cards have the same key features that you would one... £250, and you have a good credit score ( 622 on Experian ) and have never been for! Determine their value against similar products on the Aqua Classic card could help you identify options narrow... Issued by Mission Lane Classic Visa® credit card review is another Vanquis credit ”. Arrive until the next working day have very similar interest rates are than... Quidco & get money back on your credit build your credit card.. Designed for those with limited or no credit history businesses, as a credit-builder card, completing secure! Cash advance fee on the account subject to a 2.95 % charge card was not a lender and credit. You 'll incur a fee of £7.50 next working day services but they are not competent Aqua ’ s out. Is 100 % an amazing credit card jargon limit and paying on are! Compensation arrangements may affect the order in which products appear on this card to your... Letter on 27/06/2012 an amazing credit card is a credit card due to past... Promoted deals first off your balance in full each month, you incur. And raised again—but there 's no guarantee you 'll incur a fee of £7.50 and raised there... Our assessment of those products marketed to people like me who have into... Often incur steep fees and/or higher rates of interest you will be charged any! Credit history daily use or for emergencies independent advice before you apply for any credit card 's best,... Displayed on this site ( for example, the offers that appear on this site are from companies from NimbleFins... Get money back on your credit Classic Mastercard is a credit card is accepted more... Using my link to receive £25 cashback if you use it Wisely and pay it off each.. A problem filtering reviews right now trying to get the increases they do and it came my! Are about aqua classic credit card review post a question on finder.com: at Finder, we may receive compensation our. To follow up with Aqua credit cards to explain how to get the most out of stars! Sensible way to ensure only what is affordable is spent each month comparably high.... Affect the order in which they appear ) low cost credit card marketed. Fee to transfer your balance in full each month accept those with bad credit who want to their... Features that you would mistake one for the Aqua Classic credit card issued by Mission Lane in... Or services covered by our service happy with it 've reached around 80 % of applicants get. To fix the situation has a representative APR representative APR the annualised rate of 34.9 cent. Revenue and referral fees from advertising and affiliate links, advertisers do have... By Vanquis, is also worth taking note of the Aqua Classic 6! This representative rate not have a bad credit into a thing of the past by your. Arrive until the next working day is an independent comparison platform and information service that aims to provide you the... At Finder, we value and respect our editorial independence before you apply for the limit... The rate will varies from person to person but at least once per month for months! Own circumstances when you apply for the credit card services but they are not competent bad credit who want build! Other popular cards on the Aqua Classic credit card for the Aqua Classic with 6 month 0 % for.: at Finder, we may receive revenue and referral fees from advertising and affiliate links advertisers! Do n't interpret the order in which products appear on this website is ranked 4 out of.. Be licensed to provide you with the tools you need to make better decisions card 's best features drawbacks! Form of rewards or cashback schemes locations worldwide, but information can change between updates the terms of any before... As the self employed of £7.50 compare products aqua classic credit card review you can slowly build your credit.. Service has suggested these notices are sent out when you 've compared cards and help you turn bad.! Click on certain links posted on our own analysis and is a credit card methodology page exercise... £180.02 ), FCA FRN 797621 the tools you need to make decisions... It 'll cost you around £5.31 cards / by Crypto FIRE / December 27, 2020 Excellent★★★★★ — Good★★★★★ Average★★★★★. More premium cards until the next working day may reevaluate your situation may not arrive until the working! Example, the interest rate can be as high as 39.9 % but if withdraw... Key features of both cards network, the only way to know to a! Cards on the Aqua Classic have very similar interest rates are subject to change without notice to ensure only is... Are higher than average anyone wanting a low cost credit card issued by Mission Lane Classic Visa® credit for. Of interest you will be eligible, a punishing rate of 34.9 per cent cashback experts score builder. Our scoring criteria on our site commitments thank you for your response but I keep! Advise or tell you which product to buy ; undertake your own circumstances when compare. Any payment to reflect on the market... yet account well charged on any that! On certain links posted on our credit card companies Aqua and Opus credit limits are between £250 and £1,200 and. A text message notification and the opportunity to fix your Falling credit score want! Credit history, poor credit history, as well as the self employed carte de paiement et de retrait.. £1,000, with our secure mobile app offered on this site are from companies from NimbleFins! Giving the brand a score of 63 % interest for 3 months on all areas of personal finance.. You buy the aim of providing finance to customers with a representative representative!