Aquacreditcard 

I understand people like myself looking for an easy credit card with a low credit limit to help people with a low credit rating build it up. As in improving your credit rating. It Does not happen, one day late £12 charge added to your account. Emails, abusive messages, threatening messages. Avoid this company at all cost. It's NOT a credit builder, it's a scam. All paid off now and you can kiss my bottom Aqua. Preying on the vulnerable is poor poor practice. Please anyone reading this look elsewhere. You have been warned.

STAY AWAY !!! This is One of the worse credit card company ever, will never advise anyone to sign up with them. I have been with them for over 2 years, always making sure to keep regular payments every month. However as I had an emergency and asked for a credit increase, they declined. My credit score is good, never had any CCJ or any such thing, I stay on top of my bills, work full time, but I don’t qualify. I wonder who does. I definitely see prejudice in their way of dealing with people. Aqua Card cannot be trusted. Please don’t sign up for this.

Applied for a card was accepted, did some spending and then all of a sudden my card was blocked and online access revoked. Phoned up and was asked security questions like how many people live with you over age of 18, their date of births and other personal questions completely irrelevant to the account, I answered all the questions correctly, but they said I failed security. Not allowed to log on to the app or online account manager. Absolutely shocking company, won’t allow me to make a complaint and never get a call back when promised!

Rather useless, can't log on to my account. No one answers the phone. I only took the card for the 0.5 cashback which is no longer available to new customers. Only consider if you are desperate.

Rubbish company won’t use them again credit card protection is no go with these people
Customer service tragic

credit score took a dive of 9 points after paying off purchases IMMEDIATELY. do not bother, apply somewhere legit like natwest/barclays. closed my account immediately.

Please EVEN IF IN DEBT AVOID this disgusting company.
They will give you card, a credit limit and allow you to reach the maximum then they will DELIBERATELY add a charge to take you over your credit limit so they can end it and start charging you interest sooner than they should.
Will be reporting them to both ombudsman and FCA.

Hi. I was just on the phone with your representative Kam (not complaining about him, I'm sure he raised this request for me but i wanted to publicly make my point across). I'm furious that somehow you sent me a letter addressed to my name when i have not looked at credit card services, ever!
You better ensure as per my request that, under gdpr, you remove me fully from your system as it is my right to be forgotten.
Absurd and evil!

Credit owed to late father. 6 phone calls later still waiting. If you are thinking of applying for an Aqua credit card, my advice would be...., don’t.

Awful company, my husband and my 2 sons was approved , they applied to build credit ,my husbands credit limit was £1200 , and my sons £450 , blocked my husband’s card after he spent £270 , and my sons couldn’t even activate there card ,, they phoned and said they didn’t pass security asking questions like how many people live with you your dads date of birth , answered all the questions correctly, but still waiting to hear from them , not allowed on the apps , absolutely joke never known a credit card company like it , wouldn’t advice this company they don’t seem like they know what there doing .

Recommended payment last month was £50 minimum and £43 recommended extra so I paid my minimum then got a text saying I have to pay £43 and will have a £12 late fee so I called them and said I thought it was a recommended xtra payment they said no so I paid the £43 and the girl said she would remove the late fee but a week later they had put the late fee on and added £12 onto my monthly payment so I called again and they said they will take the £12 off it must of been an error but I will still have to pay the £12 extra on my monthly amount ?? they have not took the £12 off and are liars I will never use this rip off company again they are liars.

Spoke to Ruby in the Fraud prevention team today who was able to help me efficiently to resolve my issue and was really friendly and polite.

The customer service was really good and easy to get through to.

Hello! I’m trying to apply for an Aqua card credit builder without succes! I’m just wondering if is for persons with a low credit score how come i’m not eligible? On website they are saying to apply for credit score builder card but they won’t approve me! How can I build my credit score then?

I DO NOT RECOMMEND! be very careful with this Aqua company! I am from Romania and I work in Uk. due to the pandemic the company where I work sent me in furlough from November 2020 until April 2021. during this period I went home to Romania from where I tried to pay the payment rate from the application. unfortunately this application does not work outside the uk and you can not pay anywhere if you are not in the uk. so I woke up when I returned to the uk that my account was blocked and I had to pay from 200 pounds to 400 pounds only because their application does not work abroad. I think there are many customers in this situation, and my question is..where is Aqua's understanding of the lockdown and Covid situation. just make monney on our account illegally! thank you Aqua for the support!

Don't get one.

2 weeks ago i received my new card, they have blocked multiple transactions without warning. When I use the app to complain and ask why they keep blocking small transactions they say " trans you to a special team who can help "

They never connect, this company is a sham!!!

Awful company, keep requesting monthly boosted payments when we are in the middle of a global pandemic and financially struggling. Then they hound you when you just make a minimum payment. Cut the card up and once its paid I will never use them again

This doesn't improve your credit score and actually i can prove has had a negative impact after they reduce the credit limit because i always cleared the balance and they couldnt make any money out of me. By reducing the credit limit, they have lowered my available credit and therefore bad impact. REPLY to me as i will be contacting the FCA

Aqua credit card DOES NOT IMOROVE CREDIT IN ANY WAY!! Been with them for over a year and a half, had no credit increase or has my credit rating been affected either way(increased or decreased) by my account with this company.. I have had to deal directly with equifax to sort it.. though the app seems to work fine and had no problems personally with them...

Don't get this card if you go anywhere abroad!!!!

- They require a phone number to login to the app. If you cannot get texts, you're screwed! You cannot change your number without calling. Same deal with website. If you have a fraud transaction, well good luck with that!
- You cannot change your number without logging in. If you cannot log in due to your phone number then you're screwed.
- No email support
- Live chat NEVER works in the app. Agent is NEVER there. You watch them reply to this telling me to chat to them via the app haha, watch for that!!
- They accept international phone numbers, but NEVER send the texts to them to log in
- They don't use QR auth codes or auth apps to login. No pinsentry. No app login. Living in the stone ages here!!! Fingerprint login still requires a phone. What is the point in fingerprint login then?!?!?!

- They take your address but then royal-mail-ize it, so if you fail to give them your POSTAL TOWN, you'll fail ID and they will block your account

oh and did I mentioned the app is total garbage!?

Most countries are on the banned list ANYWAY, so you cannot even LOGIN or MANAGE your account, including tier 1 countries like the USA!!!!

AVOID!!!! Their APR is the WORST in the UK. They stay rich off poor people with bad choices.

I am just getting regular emails saying: "You missed a payment, here's ANOTHER 12 pound late charge. Sign up to our app or website to manage your account"... Now you're just taking the p***!!!!!!

I was originally happy with the service, was quite happily paying my bill, on time, and the full amount asked each month. THEN rec'd a threatening letter saying pay £800 which is roughly half my debt, or they will up my payments for 4 yrs. Rang them and they said I have no choice in the matter..Its apparently for my benefit ! Demanding over 10 times the usual amount in one fell swoop is for my benefit ! ! !