NewDay Avis 

They do not follow fca regulation and will blackmail you into paying whilst they are investigating complaints.

If you think you may ever need even the slightest bit of help please choose another creditor.

Borrow with new day at your own peril. 8 months into a complaint that they keep "losing" with maybe 1 call back in that entire time because I found head offices number and called them. Still not resolved though andthat was a month ago.

They are unable to send emails or texts and constantly promise call backs that dont happen and they always pretend they dont know the name of the person you dont need to speak to when you call them.

Just to add, they are also in breach of FCA regulations and their only answer to that is to shrug and ask if there's anything else they can help with.

AVOID LIKE THE PLAGUE

High interest limited interest free periods

I was very happy with NewDay until recent interactions. There complaints team is appalling. I am considering moving my business elsewhere.

I purchased two items using Argos Pay on a BNPL scheme, before the 6 months was up I cleared the balance. I was then offered a credit limit increase which I accepted. My account balance is now at zero so I decided to purchase a TV for £800 and wanted to opt for the BNPL option again. It was being offered on the Argos website but when choosing Argos Pay that option vanished. I have tried several times, removing all discount codes and Nectar points but still not being given the option. Please don't suggest I call your dedicated team because I already have, several times and am being told by various different Asian ladies that basically there is nothing they can do. Will look elsewhere now.

My experience was amazing

I have found MATBLE to be one of the best credit cards I have ever used.
When I have hit a problem the staff on the phone have been very helpful.
The only down side I found was having to get a new pass code each time I wanted to login to my account ..

Very pleased with my experience of using my Marbles Credit Card on this occasion. It was fast and so easy and straightforward to transfer money.

Great card easy to use

Helpful efficient friendly helps build credit rating quickly

help me out when need help in this time cash very little around

helpful if I need help always in contact

I have had my card for a couple of years now I like the card but I am not to impressed with how customer fraud dept handled my complaint about my card being fraudulently used it was like I had to prove I hadn’t use it to purchase that transaction they never even offered to cancel the card and send me a replacement so that the card could not be used I don’t know how they can do transactions on my card when I have freeze it and I had to make a dispute about the transaction.

Great card when I needed it as i had to get some stuff in for my husband as he has terminal cancer

I’m very happy with this credit card. The credit limit is simply unbeatable. I highly recommend it to everyone!

Never any problems with using the card

Overall Experience
My experience with the Aqua Credit Card has been largely positive. I chose it because I wanted a straightforward way to build my credit history, and it has worked well for that purpose. The card is easy to manage, the app gives me a clear view of my balance and payments, and there is no annual fee.
Application and Set-Up
The eligibility check was quick and did not affect my credit score, which gave me confidence before submitting a full application. The process was simple, and the decision arrived promptly. Aqua offers personalised starting limits, currently advertised from £250 to £1,500, so customers should expect a relatively modest limit at first. I found this sensible because it encouraged me to keep my spending controlled.
Using the Card and App
Day-to-day use has been convenient. The mobile app makes it easy to check transactions, monitor the available balance, view statements and keep track of payment dates. The free credit-score tools and Aqua Coach are useful reminders of the card’s main purpose. Apple Pay and Google Pay support also make everyday purchases simple. In my experience, the account controls are clear enough for someone who may be using a credit card for the first time.
Credit-Building Benefits
The main benefit is the opportunity to demonstrate responsible borrowing. I use the card for small, planned purchases, keep the balance well below the limit and repay it on time. This creates a consistent payment record, although an improvement in anyone’s credit score is never guaranteed and depends on their wider credit file. Aqua may consider a higher limit when an account is managed well, but I would treat any increase as flexibility rather than an invitation to spend more.

Easy to use app, extremely perfect customer service

Great service. Got Me out of trouble a few times.