We're here to help

We’ll send you text reminders so you don’t miss monthly payments, plus give you access to your credit report. That way, you can see your credit score improve as you use your aqua card sensibly. And the service is free.

We’ll send you text reminders so you don’t miss monthly payments, plus give you access to your credit report. That way, you can see your credit score improve as you use your aqua card sensibly. And the service is free.

Why you may need help

Lots of people find it hard to get a credit card from mainstream credit companies. It’s usually because they have a bad credit rating (the score the banks use to decide whether to give you a card). That’s where we come in.

We look at each application individually

We don’t just use a scorecard. We look at each application closely, to find reasons to give you an aqua card, rather than not to. But on the other hand, we lend sensibly and responsibly.

We can help improve your credit score

One way to help improve your credit rating is by staying within your credit limit and making your repayments on time, every time. And everyone with an aqua card gets our free credit checker service to help them stay in control.

    • Text reminders when it’s time to make a payment
    • Free aqua Credit Checker for unlimited access to your credit report and your updated monthly credit rating
    • Money-saving vouchers and offers

You can request aqua Credit Checker for free by contacting our customer services team on 0333 220 2691.

If you find yourself struggling to make your payments, give us a call on 0333 220 2691 and we’ll talk through your options. These might include giving you more time to pay, reducing your monthly payment amount, or freezing your account so it doesn’t rack up any more interest while you’re repaying it. And once we know what’s going on, we don’t make things worse by adding penalty charges, on top of what you owe.

Representative 35.9%APR (variable) on the aqua classic card