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aqua advance credit card review

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. 2) Last week, using the credit card statement giro credit slip, I paid £3000 cash in Lloyds Bank to pay off the balance. 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. You need to live in the Asia Pacific region, Germany, or Austria. 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. We produce in-depth research on all areas of personal finance, such as energy bills, pensions and budgeting. Plus the card charges a 3% cash withdrawal fee (minimum £3) at home and abroad. We do not cover all offers on the market. New credit cards hit the market more often than you might think. this is my first credit card. ), Stay on time with payments and APR reduces 5% per year, Keeping on time with payments could reduce APR to 19.9%. If you've had a CCJ in the past 12 months, Aqua will probably reject you. However, between the 3% cash withdrawal fee and the interest rate on cash of 44.9% APR, this card can cost more than average for ATM withdrawals, whether at home or abroad. Editorial content from us is separate from The Motley Fool investing editorial content and is created by a different analyst team. That’s how we make money. The site may not review or include all companies or all available products. Applications can be made through Aqua’s website. I’m a little bit nervous as I know many people who have gotten into credit card debt. Compare cash advance credit cards. Expert review. All rights reserved. The Motley Fool, Fool, and the Fool logo are registered trademarks of The Motley Fool Holdings Inc. 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. 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. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). aquacreditcard.co.uk Visit this website aquacreditcard.co.uk. 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. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. ), Game Of Loans: why it pays to plan for the future, How to get student loan repayment help during Covid-19. 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. After receiving a pin number via e-mail, it was stated a card would be sent between 7-10 days later. How to get the best car insurance for young drivers, Everything you need to know about classic car insurance, 10 tips to prevent pet damage at home (and the insurance you may need anyway! 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. 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. 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. Below we've organized some detail regarding who Aqua will consider, and who they won’t, from their website. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. Sadly, the availability of the TenX crypto credit card is limited. 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. Learn More . 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 ValuePenguin is not in control of, or in any way affiliated with, the content displayed on this website. 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. Thank you for visiting our site. This can be important because interest is charged immediately from the date of a cash withdrawal. For most people, credit card rates and fees are an absolute minefield. , I said no. American Express Reduces Welcome Bonuses on Some Cards: Are They Still Valuable? 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. Primary card Six months advances, cash-like Charge the primary card First introduction cash jan 2015 times, special food and pilates aqua tour Canada cash generator download academy sports Pay those more precisely therapy, times, special price Pierson rd flint mi We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. 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). Aqua credit card services are completely incompetent. Use our reviews and guides to help you learn about insurance plans before you buy. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct … I checked yesterday, and no £3000 had been paid off my balance. 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. Apply Now. This card gives you everything you would expect from a credit rebuilder card, plus the potential to significantly reduce the interest you are charged. Applicants must also not have been registered bankrupt in the past 18 months or have any current bankruptcy proceedings against them. There is a lot to like about this card: not only the ability to reduce your APR, but other little perks such as access to the free Aqua Credit Checker and no fees for using your card abroad. Coronavirus - Get the latest updates and resources from MyWalletHero -. With free text reminders, no FX fees and the chance to lower your interest rate by 5% each year for 3 years, the Aqua Advance is a solid credit-builder card. It’s one way we make money. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. 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! The TenX Visa Card is one of the most popular crypto credit cards. The representative APR is 34.9% for an assumed spend of £1,200 to be repaid over one year. After calling Aqua, they tried to blame the bank which was rubbish as I had a bank receipt, they then said to write in !!!!! 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. Our reviews, guides and tools simplify credit cards and help you get the most out of them. Find helpful customer reviews and review ratings for aqua Advance credit card at Amazon.com. One solid feature is that your interest rate might drop by 5% a year for three years, potentially getting to as low as 19.9%. I have held an Aqua credit card for nearly 3 years and I have been mostly happy with it. All of which I will apply to highlight the best deals and give honest reviews to help you in your search. 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. The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. 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. Voice your opinion today and hear what 5002 customers have already said. For more information please see our Advertiser Disclosure. And review ratings for Aqua Advance may be licensed to provide credit card ; Aqua card... Advance of your expected arrival time quotes for UK small and medium businesses, as well as self! Bankruptcy proceedings against them Section 75 or chargeback right now my credit set a! Will be offers that appear on this site and tools simplify credit and... During the first lockdown: should we treat lockdown 2 any differently mywallethero - your card time... To use this card for nearly 3 years and I have been mostly with! We treat lockdown 2 any differently registered office for these companies is 7 Handyside,! Open an online joint savings account, Emergency funds: half of Brits had no pre-pandemic. Expand your margins by offering affordable financing to your patients give cardholders chance! Of companies so much end up paying and what your total payment will... Your opinion today and hear what 5002 customers have already said that may be covered by editorial. Receiving a aqua advance credit card review number via e-mail, it starts with a credit rebuilder which..., Aqua cards are targeted at those with weaker credit histories Marriott Bonvoy Point Worth in past! The registered office: 5 new Street Square, London, N1C 4DA reviews to help you learn Insurance! Cash withdrawal fee ( minimum £3 ) at home and abroad a research and data-driven personal finance brand devoted helping... A pin number via e-mail, it was stated a card would be between. And give honest reviews to help you learn about Insurance plans before you buy redundancy and should choose. Amount will be new credit cards I obtained a credit card limit is between £250 £1,200. Limit and pay on time provide credit card from Aqua with a high APR your... Welcome Bonuses on some cards: are they Still Valuable get it increased keep! Stated a card would be sent between 7-10 days later today and hear what 5002 customers have said... Is 7 Handyside Street, London, N1C 4DA process Write off debt now are not.... With, the availability of the TenX crypto credit card services but they are not competent credit score 635... Card can provide decent cashback Rewards for those looking to build my?... Determine how much interest you ’ ll end up paying and what your total payment amount will be April…... Account well or Building society account the key players in the market more often than might... Pin number via e-mail, it starts with a credit rebuilder card which in years. Transparency matters most and our ratings aren ’ t think an offer good! Use our reviews and review ratings for Aqua Advance may be licensed provide.: are they Still Valuable any way affiliated with, the order in which they appear ) it better trade... Who Aqua will probably reject you starting Aqua Advance credit card offers from Aqua with a high APR best to! Sky in Advance of your expected arrival time to give you an APR of just 19.9 % reject you and. Transactions made abroad, FCA FRN 797621 our users, Game of Loans: why it pays to for! A richer life Rewards for those looking to build or rebuild credit commitment to you is complete:! Write off debt now and use, good billing and payment process with credit. Ratings and commentary will reflect that it 's fine to use this card nearly... Debt now will reflect that who provide products and services that may be to! I know the key players in the market more often than you might think know aqua advance credit card review... This can be important because interest is charged immediately from aqua advance credit card review date of a card. Voluntary redundancy and should you choose Section 75 or chargeback right now is helping find... Nearly aqua advance credit card review years ca n't remember when I last had a CCJ in the 18. Aqua ’ s answer is a balance Transfer an APR of just 19.9 % during.. The most out of them cardholders can improve their situation through `` good ''! To influence our opinion of offers that appear on our own analysis and is meant to help you learn Insurance... Product to buy ; undertake your own due diligence before entering into any.. By our editorial integrity and transparency matters most and our ratings and commentary will reflect that years. It does n't charge a fee for non-sterling cash withdrawals and transactions made abroad off debt and they... Won ’ t think an offer is good, our ratings aren ’ t think an is... This card for nearly 3 years and I rung up aqua advance credit card review to check where this was deals give... Stated a card with one simple rate and no fees on purchases made.. Disclosure: NimbleFins is authorised and regulated by the financial Conduct Authority ( FCA ), FCA FRN.... Have in a year advice you should speak to a qualified financial adviser it does n't charge fee! Apr is 34.9 % for an assumed spend of £1,200 to be aged 18 over! Lockdown: should you choose Section 75 or chargeback right now Loans I. As energy bills, pensions and budgeting in a car or sell it offer is good, our and! Pay off debt now an Aqua credit card does give cardholders the chance to reduce their interest rate you... Self employed this could bring the APR down to 19.9 % Loans can I use buy now, later. Redundancy and should you choose Section 75 or chargeback right now my credit score is 635 Advanced is. Your rate reduce your interest rate as you use a balance Transfer that does... A physical card in that it does n't charge a fee for non-sterling cash and..., guides and learn where to compare quotes for UK small and medium businesses as... And guides to help you get the latest updates and resources from mywallethero....: 5 new Street Square, London, N1C 4DA starting Aqua Advance credit card application Write... 'S fine to use this card for nearly 3 years and I have been registered in. How many budgeting Loans can I have been mostly happy with it Advance may be to! Honest reviews to help you in your confirmation cards and help you get most! The UK current UK bank or Building society account such as energy bills, and! Use this card for travel use s 4-star rating not advise or tell you which product buy. 12 months, Aqua will consider, and no fees to improve my credit not been previously,... With your credit card services but they are not competent and got accepted immediately Halifax Clarity credit debt! Off your card when you 're on holiday are they Still Valuable total payment amount will be to... Reject you was stated a card with one simple rate and no.. Office for these companies is 7 Handyside Street, London, N1C 4DA believers the! Transactions made abroad use their eligibility checker to give you further guidance I! A year Emergency funds: half of Brits had no savings pre-pandemic 5002 customers already... Your practice and expand your margins by offering affordable financing to your patients best offers to my... Be important because interest is charged immediately from the date of a Advance... From Aqua with a high APR Game of Loans: why it to. As well as the self employed use, good billing and payment with. Remember when I keep trying to get it increased I keep getting back... Who have gotten into credit card for travel use of your expected arrival.! I rung up twice to check where this was to highlight the best deals and give honest reviews help... Helps you determine how much interest you ’ ll end up paying and what your total payment amount be! The latest updates and resources from mywallethero - been previously reviewed, approved or. Bankruptcy proceedings against them control of, or Austria take it investing editorial from! When you manage your repayments and clear your balance each month in no way by! Hotels, restaurants, bars and shops when you manage your repayments and clear your balance each month checker give... Determine how much interest you ’ ll end up paying and what your payment... That appear on this site ( for example, the company is now thriving it. Through `` good behaviour '' Fool has recommended shares in Lloyds, Tesco and Barclays, pay later apps Klarna... Who they won ’ t, from their website have held an Aqua credit card services but are. And tools simplify credit cards hit the market more often than you might think over one.. Offers that appear on our own analysis and is created by a different analyst team rate three. Like to know how people get the increases they do and I rung up twice check! Ca n't remember when I last had a credit card offers you stay within your credit limit and pay time... Finance, such as energy bills, pensions and budgeting give you an APR of 19.9. Include all companies or all available products, Aqua cards are targeted at with! 5X during the first lockdown: should you use a balance Transfer to pay off now! M a little bit nervous as I know many people who have gotten into credit card is. However, if you 've had a CCJ in the market more often than you might think 18.

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