Aquacreditcard 

Aqua card and aqua loans is a complete joke and we are the punchlines. None of there staff have any clue as to what they are doing. They constantly mess things up and lie about it. And then for them too sort it out apparently 2 weeks so far I'm on 8 and counting. No correspondence on paper all just verbal.

I have been with Aqua for a bit now
Let me tell you .....
no problems !
Until I changed my phone number
And now the song and dance begins
Can’t get in to app
Need to be verified lol
What’s going on here
This so-called security is ruining my day to day activity.
I’ve had to shut down the app
And call up for balance and payment
Lol
Disappointed

I am Aqua customer for last 1 year I had credit limit of 900 and suddenly they decreased my credit limit to 350 with out giving me further notice or any good reason. I was managing my account very well. Very disappointed

I closed my account with them, then I got an email saying they have reopend it again, crap company avoid at all costs.

RIP OFF CREDIT CARD COMPANY
Aqua bunged £120 interest on the day before payment due, then said I was over my £4,500 limit! Charged me £12 plus additional costs. I paid balance off in full 12 hours later, plus fees and fines, now am actually £28 in credit! Aqua refunded me, fair enough ... then Francesca Rae (Customer Service Director) writes saying I've lost my annual entitlement to discounted interest rate!! They admit on one hand that they are wrong, then on the other penalise me!
* I D I O T S *
Ironically, my credit limit has just been raised to £6,000!!!!!
Thanks Jamie (CS Supervisor) for telling me on the phone to 'do one'!
I'm posting this on 20+ review sites!
AVOID THIS RIP OFF COMPANY AND USE BARCLAYCARD!

Absolutely disgusting service this company provided me with a payment holiday due to covid 19 and they have now reported me as being behind with payments they are not allowed to do this it's FCA regulations so now another company that needs referral to the financial ombudsman as a result credit score dropped 37 points this is extremely difficult stuff to fight

Also beware this company will keep increasing your limit and wait for your balance to be high then hit you with crazy high Apr like 47% despite having an excellent payment history

worst credit card company i've ever used!!! Customer service is awful, i was passed around from person to person for hours, everyone gave me different advice!!! AVOID THIS COMPANY!!!!

Great card, can’t complain. The app is great and easy to use.

I would certainly advise anyone to steer clear of this company. Having made a full and final payment in March with the account being closed and card withdrawn by Aqua we received a phone call on 4 May to say we owed them over £40. This was for a so-called interest balance of £11 they had created on our account for interest that they said might be due but guess what - added to this were late payment charges etc, etc. With all the concerns and worries people have in the present situation of covid-19 one would not expect a company of this standing to be putting pressure on people for payment of a figure which has been created and increased by their own making!! They will not confirm that our account has finally been closed as a fictitious amount of 42p might be owing in June. How can such fraudulent behaviour be allowed to continue. We have lodged a complaint without any response. Apparently the managers are not available to speak to anyone so all you are left to deal with is a call centre type scenario. It really is disgusting and causes untold stress to people who are at present being shielded. One of their adverts claims they assist in improving your credit rating. That's a joke. They are one of the first to make sure your credit rating is badly affected. Avoid like the plague!

Almost 5 years ago I applied for an Aqua Credit Card, which, I wasn’t expecting to be approved due to poor credit history, (life happens, 1 minute its great, the next it’s not). Incredibly, it was Approved and the Card arrived almost immediately with a conservative limit, (you can’t expect to start with a large credit limit, when, all the evidence Aqua has to base their decision on was my Awful Credit History). If Aqua gave everyone who applied for a Credit Card a limit of £1200 and the vast majority of new customers don’t pay, they wouldn’t be in business long. “If you want to Borrow, you have to pay for the privilege“, as I was once told by a Financial chap whilst buying a new car.
I have never had any problems during these past few years, (excluding a little recent rant recently when I had a bit of a Tantrum, we all love getting our own way and when that doesn’t happen, most of us, not all, become loud and a little aggressive. “Give me a Credit Limit Increase now”, No, sorry not at this time, “Aargh.
I was also offered a Aqua loan 2 years ago, which, couldn’t have come at a better time, so, I accepted with both hands. Yippeee.
I paid the Loan off over 2 years, initially, the loan was £1300, paid a comfortable amount each month and cleared it at the end of January. How time flies.
The interest was surprisingly Low, I bought a £1200 Mig/Tig/Arc welder at the same time, over the same period, 2 years. Unbelievably, once they were both settled/paid off at the end of January 2020, I checked both finance deals and astonishingly the welder ended up costing me far more. I was so keen to buy the welder, that, when I was accepted for credit via a very popular tool company I was so happy I didn’t care what the interest was, I couldn’t wait to get my hands on the welder and whatever the whole cost of the deal would be, it was totally irrelevant, (I couldn’t be bothered to check the Ts & Cs, Terms & Conditions) I just wanted the machine and without my Aqua Credit Card history I would certainly have been declined.
I had 4 different accounts with Newday (finance company) I’ve cleared one and have different APRs on the others due to proving my credit worthiness. If you always pay your monthly payments Aqua will always reward you with higher Credit Limits. Don’t, spend the money then start moaning about the payments, (like I did). If you can’t afford the higher payments DONT Spend it. It’s really Tempting though.
Thanks to Aqua, Amazon and Marbles Credit Cards also the Aqua Loan, (All Newday), my Credit is the best it’s ever been and it’s also given me more choice of financial products.
Remember, this is a Credit Builder Card and the clue is in the name. Aqua accepted me when no one else would, decline after decline until I tried this Company; Newday.

Thank you
Mark-Anthony Summersett
xxxxxxxxxxxxx141

When I called to close my aqua credit card I was told that I can close the credit card without paying off the outstanding balance and still will look as closed in my credit profile in a month's time something that turned up to be totally wrong. When I complained about they said the cannot track the phonecall (although I had exact time and date of the phonecall). Aqua just misleads customers so they do not pay off the card and get more from monthly rates. Do not consider as valid any financial advice coming from aqua.

Avoid this company. My husband had a card with them and paid of the balance and asked for the account to be closed. However weeks after he was receiving letters saying he owed a balance and everytime he received a letter from them the balance increased. He called every time to query this to be told it was an admin error and to ignore. They also offered to send him a picker for the inconvenience which he never received. Then he received a letter threatening action to be taken if he didn’t pay again the balance rising. He called to be informed two accounts had been opened for him and one had been paid off but there was a balance in the other. Nothing to do with my husband. Every time he has called he has been told something different.

AVOID AVOID AVOID THIS COMPANY IS SHAMEFUL AND DISGUSTING WITH THE WAY THEY TREAT THEIR COSTUMERS AVOID THIS COMPANY

2 hours and 7 calls with these people just to reset a password on their own app. Different answers every time I call. The most infuriating and bizarre customer service I’ve experienced in years! Avoid at all costs!

I found aqua at times very frustrating, losing documents and call center staff very rude and unhelp, however, the card itself no issues, very high APR, but considering I didn't have a credit history because I've used cash, it helped me obtain a credit history. some advice

1- always pay your balance in full,
2- always send any documents by recorded mail then you a paper trail
3- if you get nowhere with customer service, email new day escalation team, as they will investigate your complaint properly

Card locked! Useless! I decided to close it! Seems I must wait for them to finish some internal check before being able to ask to close, and on the card are also my personal money as I did some over payments.
Long story: I called them before going to a car dealer to double check if I can use the all balance available, which was more than my credit limit as I did some overpayment. They said YES. AND when I when I try to pay,  i could NOT, through a POS with my PIN number.I have tried then to pay a lower amount, within my credit limit. NO. I called them. I have been on the phone like 2 hours. They verified me like 3 time. Talked with two people, last one from fraud checks or something. One personal complain about this person, MIKE. He repeatedly asked me same questions. He repeatedly put my on hold to check with his supervisor. In the end he said that tomorrow in the morning they will have an answer. WHAT?? I needed my card now. I asked to talk to his supervisor, which he did not allow me. I asked to talk to a manager. NO.  Outrageous! A very bad experience. I have this card for almost a year, first time I encounter this. I have lost time and money because their polices. I can't even to enter on line to my account for like to make a complain, it says This account is not eligible for Online Account Manager. Please contact us for any queries.I did. They said they need to finish their investigation. I has been already 3 days. No problem, finish when you want, give me back my personal money overpaid and close this useless card.  (I used my card before to pay a large amount, almost my whole limit, through phone with a travel agent, I had no problem, all went smooth). My credit limit is 1900. Somehow because of their system I did overpayment, as their interface does not show the real balance, its like tricking people. With other cards i cant make overpayment, their system is honest, telling me the real thing. I have never paid any interest so this maybe got me into trouble haha. No worries, bye bye aqua. Dorian

Frighteningly poor. Harassed and bullied by literally tens of calls emails and texts. Told them I was aware of the issue and sent in a copy of my bank statement to prove they didn’t reverse a payment that they took twice so they threatened me with marking my credit file, added multiple £12 charges and refused to cease and desist calling me! I’m disabled and vulnerable and they keep calling, often 30 times a day ‘because its automated’. Refuse to put me through to complaints, don’t respond to messages through the app, talked to me like I was stupid, called me a liar, despite proof being sent recorded delivery. Incompetent at best, irresponsible bullies at worst.

I opted for the cashback card that, despite appearing to be for those with a poor credit rating, also gives 0.5% on all spending though only payable annually in multiples of £5. Notwithstanding advising of my personal financial circumstances I was given an initial limit of £1,200 which I suppose is reasonable. However, after 20 months of paying the whole balance every month by direct debit, my request for an increase in my limit was rejected. It seemed to be a standard response with the suggestion that I apply again in 6 months. This limit is incredibly low for anyone who, for example, wants to book 2 flights to the USA and potential applicants should be aware of this unhelpful attitude. Another disadvantage that needs to be taken into consideration is that an application for a contactless card only results in a response that implies these are issued on a random "basis" so you have no idea when one will be received.