Credit smarts

Looking to get confident with credit?

You’re in the right place. You’ll find guidance for every part of your credit building journey here.

Most recent

Slide 1 of 3
Man sat on his laptop while in a coffee shop
Understanding credit cards

Can you set up a direct debit on a credit car...

Wondering if you can set up a direct debit on a credit card? Learn how direct debits work with credit cards and the...

Published on July 1st, 20255 mins read
Author photo

Hayley Bevan

Close up of an adult male holding a smart phone and credit card, typing a message into a phone.
Understanding credit cards

What is a credit limit?

What is a credit card limit? Discover how credit limits are calculated, what happens if you go over, and how to man...

Published on July 1st, 20258 mins read
Author photo

Hayley Bevan

Woman sat with her packed suitcases
News and insights

Summer Destinations: UK vs Europe

Discover where your money stretches further for summer holidays in 2025.

Published on June 17th, 202513 mins read
Author photo

Hayley Bevan

Understanding credit cards

View all understanding credit cards articles
Adult female smiling in apron, working in a bakery and helping a customer at the till.
Understanding credit cards

Advantages of using a credit card

From spreading costs to building credit history, learn the benefits of credit cards when used responsibly.

Published on May 9th, 20227 mins read
Author photo

Vanessa Stewart

Young girl sitting in a cafe looking at her laptop
Understanding credit cards

At what age can you get a credit card?

Discover the minimum age to get a credit card in the UK, what you need to apply, and tips for young adults starting...

Published on May 28th, 20259 mins read
Author photo

Hayley Bevan

Man sat on his laptop while in a coffee shop
Understanding credit cards

Can you set up a direct debit on a credit car...

Wondering if you can set up a direct debit on a credit card? Learn how direct debits work with credit cards and the...

Published on July 1st, 20255 mins read
Author photo

Hayley Bevan

Close up of an adult male holding a smart phone and credit card, typing a message into a phone.
Understanding credit cards

What is a credit limit?

What is a credit card limit? Discover how credit limits are calculated, what happens if you go over, and how to man...

Published on July 1st, 20258 mins read
Author photo

Hayley Bevan

Budgeting your money

View all budgeting your money articles
Adult man smiling while casually dressed sat on sofa looking at smart phone.
Budgeting your money

Finance tips for students

Get money smart and learn simple steps you can take to build your financial future, even whilst still at school.

Published on September 27th, 20226 mins read
Author photo

Sharvan Selvam

Smiling adult man and woman holding coffees and pretzel in an outdoor winter setting.
Budgeting your money

The cost of a first date

Survey finds almost a quarter of single Brits are planning to stop dating due to the cost of living crisis.

Published on January 26th, 20235 mins read
Author photo

Vanessa Stewart

Man and woman sitting at at table, drinking coffee and reviewing paperwork.
Budgeting your money

Couples' spending habits in the UK

Our research uncovers the financial topics that put the most strain on relationships

Published on January 19th, 20236 mins read
Author photo

Victoria Smith

Close up of woman buying home, exchanging keys with real estate agent.
Budgeting your money

How to get a mortgage with bad credit

Discover how you can improve your chances of buying a house with bad credit.

Published on September 29th, 20225 mins read
Author photo

Victoria Smith

News and insights

View all news and insights articles
man using phone and laptop
News and insights

Can you spot the signs of a phishing scam?

Aqua’s new brainteaser challenges you to spot the signs of a phishing email, and shares expert advice on how to avo...

Published on February 24th, 202513 mins read
Author photo

Victoria Smith

Woman sat with her packed suitcases
News and insights

Summer Destinations: UK vs Europe

Discover where your money stretches further for summer holidays in 2025.

Published on June 17th, 202513 mins read
Author photo

Hayley Bevan

man and woman sitting on sofa with laptop
News and insights

Financial learnings and mistakes

Aqua’s latest survey explores Brits’ biggest financial learnings and mistakes.

Published on October 29th, 202413 mins read
Author photo

Victoria Smith

Woman looking at her phone
News and insights

How to pass a credit check for a mobile phone...

Struggling to pass a credit check for a phone? You still have options, even with bad credit. Check out our guide to...

Published on June 3rd, 20256 mins read
Author photo

Hayley Bevan

Explore all topics

Click on the boxes below to read more content

Budgeting your money
News and insights
Staying safe
Understanding credit cards

Any topics you'd like us to cover? We're keen to find out! Please send your ideas to our Instagram.

The smart way to build better credit

Aqua is the credit card that gives you the power to improve your credit score

34.9% APR

Representative (variable) for Aqua Classic

Check my eligibilityRead summary box

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

Aqua

Credit available only to UK residents aged 18 and over. Subject to status. Terms apply. The APR applicable to your account will depend on our assessment of your application.

aquacard logo
  • Credit cards
  • Credit cards for bad credit
  • Credit cards for building credit
  • The Aqua Classic credit card
  • Apply for a credit card
  • Balance transfer credit card
  • Contact us
  • Cookie policy
  • Privacy policy
  • About us
Available to use withgoogle payapple pay

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

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

Google Pay is a trademark of Google LLC.

© NewDay Ltd. 2025