Credit Card Guide

At aqua, we offer a range of credit cards and take responsible lending seriously. Take a look at our FAQs to decide whether an aqua credit card is right for you.

Credit cards are a convenient way to pay for any of the products and services you purchase in your daily life, from groceries and petrol to energy bills, as well as less regular purchases such as plane tickets.

Every time you buy something on your credit card, you are borrowing money and you will need to pay it back within a certain period of time to avoid having to pay interest.

How can you make a credit card work for you? It’s all about being financially responsible. The money you spend on your credit card should fit into your normal budget, so that you only ever spend what you can afford to repay. It’s very important to keep on top of how much you are spending, and to always be aware of the next repayment date. Use this simple tool on the Money Advice Service website to help you calculate your budget.

When used responsibly, a credit card is a flexible financial option that can bring significant benefits to your day-to-day life.

There are a number of things you’ll need to know before you apply for a credit card. You should be familiar with the different types of credit card available to you, as well as the variety of rewards and incentives they offer so that you can get the most out of your card. To make sure you choose a credit card that successfully fits into your daily life, it’s also important to understand the different ways you can use a card depending on your personal circumstances. You might want to use your credit card at home for everyday items or for making payments abroad; or you might be keen to improve your credit score. Whatever your reason, if you use it responsibly you will be able to take full advantage of the flexibility and financial protection of a credit card.

Our comprehensive credit card guide gives you key facts that you may find helpful when managing your credit card.

Let Sarah explain

Sarah Willingham founded and regularly appears on TV as a personal finance expert. In this video, you’ll discover her top tips for managing your credit card.