aqua has said YES to over 1 million customers in the UK. aqua was launched in 2002 with the aim of helping people who may have been refused credit or overlooked by other credit card companies in the past. aqua credit cards are designed to be straightforward and could give you the credit you need and can afford.
aqua cards are issued by NewDay Ltd. NewDay Ltd is a member of the Finance and Leasing Association (FLA) and it subscribes to the FLA’s Lending Code. Copies of the FLA’s Lending Code can be obtained from www.fla.org.uk. NewDay Ltd also subscribes to the Lending Standards Board’s Standards of Lending Practice for personal customers which can be obtained from www.lendingstandardsboard.org.uk/.
The aqua classic credit card has a rate of representative 35.9% APR (variable).
You could enjoy a manageable credit limit and have the opportunity to improve your overall credit rating. As well as giving you the opportunity to improve your overall credit rating, the aqua Classic credit card has the following features:
· No annual fee
· A Mastercard that is accepted at more than 36 million places worldwide
· An initial credit limit between £250-£1,200 – which could go up later
· SMS reminders so you need never miss a payment
· Our UK-based customer helpline
· A manageable credit limit and ability to change your payment date
· Online account management
The aqua advance credit card allows you to reduce your interest rates by 15% over three years, and can help you to improve your credit history.
Here’s how aqua advance works.
You start with 34.9% APR representative (variable), but you’ll soon get the chance to reduce your rate of interest by 5% each year and up to 15% over three years. Just make sure you pay at least the minimum amount due on time and keep within your credit limit, and at the end of three years you could enjoy an APR of just 19.9%. But that’s not all. It could also have a positive effect on your credit rating.
You also enjoy:
APRs reflect the risk profile of each individual customer. This profile is determined by a variety of factors including information held by the Credit Reference Agencies, which we recommend that customers regularly review. Our aqua products have been developed for customers who may be new to credit and therefore do not have a well-established credit record or for those who may have had a blip in the past that affected their credit rating. Accessing credit can be challenging for these customers as they need to establish or improve their credit records. Our aqua products provide access to credit for these customers so they can enjoy the benefits and flexibility that credit provides, as well as have the chance to improve or establish their credit record.
Representative 35.9% APR variable on the aqua classic card.
At aqua, we believe that sensible spending and account management deserves to be rewarded, so with the aqua reward card we'll give you 0.5% cashback on all your purchases (up to a maximum of £100 each year).
Here's how aqua reward works.
Providing you've been managing your account well by paying at least the minimum amount due on time each month and keeping within your credit limit, you'll receive 0.5% cashback on all your purchases up to the maximum above.
You will also enjoy:
Our aqua reward card comes with a 34.9% APR representative (variable).
We want to help you get credit and build up your credit rating at the same time. We always look for ways to say YES responsibly, even if you’ve been refused credit in the past or never had a UK credit card before. And because we’re a responsible lender, we’ll never lend more than we think our customers can afford.
With an aqua start credit card, you can make the most of valuable tools – like text reminders of payment dates, free unlimited access to your credit report and score (worth up to £50 per year), and friendly UK-based call centres – that help you to manage your account. Plus, with a low manageable credit limit, it all means that you can get a foot on the ladder to start building a strong credit rating.
The aqua start card has a representative 49.9% APR (variable).