You can apply for an Aqua card as long as you: Want a progressive way to build or rebuild your credit? The Aqua Advance Credit Card has all the features you would expect from an Aqua card, with the added bonus of the ability to reduce the card’s APR over time. The Aqua Advance card starts out with an initial representative rate of 34.9% APR. The aqua Advance credit card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories. Credit available only to UK residents aged 18 and over. £3). Secured credit cards can help people with bad credit rebuild a positive credit history. Aqua’s credit cards are designed to help you improve your credit score. £200. We endeavour to ensure that the information on this site is current and The Aqua Advance Credit Card is a solid credit builder card for those trying to improve their credit rating through good behaviour, and who need a card to use abroad. Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) Credit cards comparison of over 180 cards from 70 providers. Any credit card. Potential Interest Charges. After a sustained period of sing the card responsibly, you may be eligible for lower rates elsewhere. Unless we've said otherwise, products are in no particular order. Yes. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. A 123 current account combined with an aqua reward card can provide a better level of cashback, depending on what you spend on the eligible categories. Cash advance credit cards are typically a cheaper way of getting a small cash loan than a payday loan. Are over 18 and have a permanent UK address, Haven’t been registered bankrupt in the past 18 months and don’t have ongoing bankruptcy proceedings against you, Have a current UK bank or building society account, Haven’t received a County Court Judgement (CCJ) in the past 12 months, Don’t already have an Aqua card and haven’t have taken out an Aqua, marbles, opus or Fluid card in the past 12 months. How do I get a lower credit card interest rate? Top rated products. 34.9% APR Representative (variable) for Aqua Advance Because of this, it's considered ideal to keep your ratio under 30%. Currently, there is a £25 cash back bonus offer and 0% 32-month purchase interest rate for customers signing up directly online for the HSBC Advance … No currency conversion charges when you use the card overseas. You just need … Don’t forget that as with most credit cards, the interest rate is variable – so if interest rates generally start to rise, the Advance’s rate might follow. Aqua Classic is a no-frills deal which allows you to build up your credit score when you use the card and pay it back each month. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00. What do Aqua credit cards offer? £1200 . It currently offers two deals, Aqua Classic and Aqua Advance. Of course, you can always use your credit card to get a cash advance, for a sizeable fee, at a casino ATM. The Aqua Classic. However, better avoid doing it if … CreditBuilder™ option. Level 2, 20 St Thomas St, This Aqua card (apply via our eligibility calculator) is a good option for poorer credit scorers. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Could reduce interest rates to 19.9% in 3 years. HSBC Advance Credit Card. The total interest will be $5182.95. However, your lack of credit history means you may find you aren’t eligible for many. service provider and read the information they can provide. Top rated products. aqua tools to help you stay in control - Regular SMS text reminders about your payments and credit balance - Flexible payment dates - Friendly UK-based customer support line Although they come with a higher Annual Percentage Rate (APR) than mainstream credit cards, they can be a gateway to more competitive products if you manage your account well and repay what you owe on time. Four months ago applied for an Aqua Advance Credit Card, after seeing their £20 Amazon Gift Certificate offer. You just need to stay within your limit and make payments on time. How much does a cash advance credit card cost? The lower the APR, the less you’ll have to pay in interest. If aqua is able to offer you this deal, the offer will specify a personalised credit limit based on aqua's assessment of your situation. They refuse to reply to any customer contact and when they do, they do so in a way that guarantees the customer is not able … finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Data indicated here is updated The Aqua Advance card offers an … We show offers we can track - that's not every product on the market...yet. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. So, whether you have a low or fair credit score, or ore just starting to build your credit history, Aqua Advance helps you improve your credit while cutting your costs. Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable). Say your credit card's credit limit is $10,000 and you have a credit card balance of $4,000. Using a significant amount of your available credit can be a red flag to lenders and creditors. The APR applicable to your account will depend on our assessment of your application. Paying only the minimum required amount each month is generally not advisable as it tends to be a very expensive way to borrow money which can lead to persistent debt. Credit card fees can leave a noticeable dent in your pocket when you are travelling overseas, so know what you are up against well in advance and choose a card with no or low fees. Representative (variable) Get Aqua Classic benefits, plus. It has a $0 annual fee, rewards cardholders with up to 10% cash back on purchases from select retailers, and reports to the three major credit bureaus. The main features of the HSBC Advance Credit Card: low introductory interest rate, and no annual fee.. often incur steep fees and/or higher rates of interest. The Aqua Reward Credit card was launched in 2014, primarily aimed at those who needed to rebuild their credit scores. Data Protection ICO registration number: Your aqua online account lets you manage everything to do with your aqua card in one convenient place – from paying your balance to changing personal details. Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction. Compare our Aqua credit cards to see if one is right for you. We Aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd. What are the benefits of the Aqua Advance card? The aqua Advance Mastercard is a credit-builder credit card with a rate that drops every year for the first three years. The vast majority of credit cards charge a fee around 3% of any transaction in another currency. Finder UK. Thomas St, London, SE1 9RG. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. but if you done it by mistake or may be due to your accounting error. Once you've had the card for a while and shown aqua that you're reliable, you may wish to apply for a credit limit increase. They may be licensed to provide credit card services but they are not competent. As well as launching the Advance card, Aqua has also cut the rate on its existing Classic card from 35.9% to 32.9%. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. No cashback and 3% fees for using card abroad. max withdraw . Tags: bad credit score credit cards, credit cards for bad credit, credit cards for poor credit, instant credit cards. Android Pay, now known as Google Pay, is a phone app that allows you to use your Android OS phone as a contactless credit card. The representative APR is 37.9%. It’s designed to help you improve your credit score, while reducing the rate of interest you pay each year. Advert. Aqua credit card works well had no… Aqua credit card works well had no problems . The Aqua Advance credit card is an example of this type of card, with annual drops in the standard interest rates over three years. 35.9% APR, starting credit limit between 250-1200£. 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. Add your Aqua card to your Digital Wallet to start making purchases instantly with your devices. aqua’s Classic card has an initial credit limit between £250 and £1,200 until customers have proved themselves to be able to pay on time and keep to their limit. We’re here to help. Must have available credit to collect Clubcard points. Well, no. Fees and rates are subject to change without notice. Reduce your interest rate each year if you manage your account well, An initial credit limit between £250-£1,200, Potential to increase your credit limit if you manage your account well, Free access to your credit score with CreditView, Text alerts to make it easier to stay on track, Award-winning support from our UK-based customer helpline, As a Mastercard, our Aqua Advance card is accepted at over 35 million places worldwide. On this site are from companies from which finder.com receives compensation Handyside,. 30 % annualised rate of 34.9 % APR ) 34.9 % ( )! Rates for each year of responsible card use, the lower the interest rate offered to most successful.. You just need to make better decisions from companies from which finder.com compensation. Apr as after 3 years reducing rates for each year customer services if you done by. 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