Things to Consider When Choosing a Credit Card

Whether you're taking out a credit card for the first time or looking to switch from your current provider, you'll want to make sure you get the deal that's right for you. There's a whole range of credit card offers available, so it's important to weigh everything up before signing up. The key to finding the most suitable option is thinking about the credit card offers which are most relevant to the way you’ll use the card.

Comparing credit cards - the basics

One of the first things you'll want to look at when comparing what's out there is the credit card APR. APR, or the Annual Percentage Rate, is the total charge of credit on your account expressed as an annual rate. The APR can vary between different credit cards and can change from time to time. We always tell you about any changes to our credit card rates in advance.

Comparing credit card offers

Whilst the APR is a good starting point for comparing credit cards, there are other things we suggest you also take into consideration. For example, balance transfer credit cards allow owners to move the balance of one card to another to take advantage of a more favourable interest rate. This can help to get your monthly finances back on track and make your repayments easier to manage.

Being accepted for a card

Another thing to think about when you're comparing credit card offers is the sorts of credit cards you're likely to be accepted for. Before approving an application for a credit card, lenders will look at your credit score to decide what sort of customer you're likely to be. You can find out more about this process by reading our guide to credit scoring. However, having a poor credit history - or no credit history - does not mean you have to miss out on attractive credit card offers. At aqua, we're specialists in offering credit cards to people with a poor credit history who are looking to rebuild their credit rating.

Why not compare our credit card range today?

Representative 35.9% APR variable on the aqua classic card.