This Aqua card (apply via our eligibility calculator) is a good option for poorer credit scorers. 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. It’s designed to help you improve your credit score, while reducing the rate of interest you pay each year. aqua Advance Credit Card (34.9% APR) Category: Game card. The aqua brand is designed to be a refreshing change in a world where customers are used to being treated as second best. daily, Post Office Money® Classic Credit Card Mastercard. When you apply for a savings or credit card through us, the card issuer will usually pay us a fee. You just need to stay within your limit and make payments on time. Completed Application Form; Valid Passport (if available) National ID Copy/ Declaration if NID is not available; Other acceptable Photo ID copy ( if NID & Passport are not available) Personal TIN/IT-88/Tax return submission slip copy Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the two figures is greater. Do it right and credit cards are the cheapest way to borrow – you can get 0% for up to 20 months on new purchases. Thomas St, London, SE1 9RG. Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months.. Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Well, no. Credit cards approved for students tend to have lower spending limits than standard credit cards, and will often charge a higher interest rate on the money you borrow. Balance transfer fee This is the fee you’ll be charged when you move the balance from one credit or store card to another credit card. Chris Lilly is a publisher at finder.com. Four months ago applied for an Aqua Advance Credit Card, after seeing their £20 Amazon Gift Certificate offer. Aqua Advance could be the credit card for you. 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. £200. We look at a number of important factors, like interest rates, credit limits, features to help you track your credit, plus the potential costs involved with running the card both in the short and longer term. 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. 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. Offering reducing rates for each year of responsible card use, the aqua Advance is an admirably innovative credit card. Level 2, 20 St Thomas St, London, SE1 9RS. You just need … Terms and Conditions said, "You will be eligible for the Amazon Gift Certificate if you use your aqua card, your monthly payment is received on time and you do not go over your credit limit in each of your first two statement months." Fees and rates are subject to change without notice. (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. decisions. How do I get a lower credit card interest rate? Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Because of this, it's considered ideal to keep your ratio under 30%. 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. aqua Advance Credit Card (34.9% APR) Category: Game card. While they're extremely rare in the UK, good alternatives do exist. Aqua Advance. Yes – with an Aqua Advance your interest rate could go down each year for three years, so long as you make payments on time and stay within your credit limit. If you are However, you shouldn’t trust that you’ll always be receiving the best rates you’re eligible for – in other words it’s still likely to be … Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. VAT number: 259751759. 0% . aqua credit cards are also on the Mastercard network, which means they can be used in more than 35 million places worldwide. One solid feature is that your interest rate might drop by 5% a year for three years, potentially getting to as low as 19.9%. Responsible card-use gets rewarded with lower rates. Reduce your rate over three years if you stay within your credit limit and pay on time, No Foreign Exchange fees when you spend abroad, Check your eligibility in less than 60 seconds, with no impact on your credit score. Finder.com Comparison UK Limited (company number: 10482489) is We update our data regularly, but information can change between updates. Still, Thompson believes that extra step creates a psychological barrier. Cash advance credit cards are typically a cheaper way of getting a small cash loan than a payday loan. The Aqua Advance can be a great option for credit builders who take holidays abroad, because you can use the card to pay for hotels, restaurants, bars and in shops in the local currency when you're abroad—without incurring any FX fees. aqua Advance credit card review 2021. This is subject to our terms of use. our site. reference number: 786446). finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. aqua could be the credit card for you. Aqua Advance – credit card for people who are looking for lower APR as after 3 years of use you may reduce your rate. Must have available credit to collect Clubcard points. Here are the most common types of fee you’ll see on Halifax cards: Transaction fees. You are about to post a question on finder.com: At Finder, we value and respect our editorial independence. The aqua Advance Mastercard is a credit-builder credit card with a rate that drops every year for the first three years. For example, if your Aqua Finance credit card balance is $5000, the APR is 24.99%, the minimum payment is 4% of your balance and the first minimum monthly payment is $200, the results will be the following. Though the names are similar, credit card cash advance is a little different from a payday cash advance loan taken with a payday loan lender. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Secured credit cards can help people with bad credit rebuild a positive credit history. Yes. Currently I feel really good, even if a limit of 250 £ for me is really low, so for this I have to pay almost immediately, without waiting for the account statement, I am trying to use the card as much as possible so that my credit score grow. The aqua Advance Mastercard is a “credit-builder” card with slightly more favourable terms than others in aqua’s range. Finder UK. Alternatively you may wish to set up a direct debit. The payday cash advance generally doesn't require a traditional credit check and must be repaid directly to the payday lender, usually by your next payday. About Aqua | Classic credit card. Level 2, 20 St Thomas St, min credit. 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 UK. It currently offers two deals, Aqua Classic and Aqua Advance. service provider and read the information they can provide. If you've compared cards and settled on the aqua Advance credit card, completing the secure online application form takes about 15 minutes. Because of this, it's considered ideal to keep your ratio under 30%. 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. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. 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. max withdraw . 35.9% APR, starting credit limit between 250-1200£. Purchases made overseas on the card don’t incur a non-sterling fee (which can be 3% on other cards) and if you pay off in full and on time you won’t incur any interest charges either. Most credit card providers charge a fixed amount or a percentage when you use your credit card to withdraw money from a cash machine. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. We While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. As a credit-builder card, the interest rates on the Aqua Classic are higher than average.The representative APR is 37.9% on the card, which means that 51% of the applicants will receive a 37.9% interest rate on their purchases. offer credit facilities from a panel of lenders. The cash advance fee on the aqua Advance credit card is 3% (min. We show offers we can track - that's not every product on the market...yet. Optional, only if you want us to follow up with you. £200. Aqua has launched two new credit cards aimed at those who are new to credit or who are trying to repair a damaged credit rating. Subject to status. Using any credit card in this way can also help you to build or rebuild a positive credit history. What do Aqua credit cards offer? In addition, using a credit card to gamble, even if the balance is likely to be paid back in full, means borrowing to gamble. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. However, better avoid doing it if you can! 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. Aqua specialises in credit-builder cards, which are designed to improve your credit rating. 34.9% APR. Useful While we are independent, we may receive compensation from Advert. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you. After a sustained period of sing the card responsibly, you may be eligible for lower rates elsewhere. 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. Launched: Oct. 1, 2020 The new Petal® 1 Visa® Credit Card is an unsecured credit card for people with limited or fair credit. The fee for a money transfer is 3% (min. Our guide has full info on what to watch out for, and best buys. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. max withdraw . Aqua Classic – standard credit card in Aqua’s offer. 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. Charges for gambling Yet get it wrong and you'll be stuck in debt for years. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. price. For example, if you withdraw £50, you'll incur a fee of £3.00. aqua offers a range of credit cards for those with poor or limited credit histories, who might struggle to get approved for more mainstream cards. Unless we've said otherwise, products are in no particular order. abroad charge . The Aqua Reward Credit card was launched in 2014, primarily aimed at those who needed to rebuild their credit scores. 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 £3). Please contact Amazon customer services if you would like further details about this. Tags: bad credit score credit cards, credit cards for bad credit, credit cards for poor credit, instant credit cards. Aqua specialises in credit-builder cards, which are designed to improve your credit rating. Other tools to help you improve your credit include text alerts and a decent mobile app, plus free access to CreditView services. Withdraw £250, and you'll incur a fee of £7.50. We may also receive compensation if you click on certain links posted on our site. That's not a great idea. Reduce your rate with aqua advance and receive £20 Amazon.co.uk Gift Card* : Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit. abroad charge . Using a significant amount of your available credit can be a red flag to lenders and creditors. the credit limit is a bit mean of £450. Check your eligibility before you apply. You'll also gain access to services such as CreditView Improve and CreditView Alerts. Aqua Advance could be the credit card for you. our partners for featured placement of their products or services. It offered a credit limit of between £250 and £1,200 and had a 34.9% APR. It offers new customers a six-month 0% period on spending and balance transfers, though you'll pay a 3% fee (min £3) on any balance you do transfer. 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. Could reduce interest rates to 19.9% in 3 years. 0% . At Aqua, the cash withdrawal fee is 3% of what you withdraw, with a minimum fee of £3. Like any credit card, a student credit card is a way of spending money you don’t yet have. 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? Table: sorted by representative APR, promoted deals first. The HSBC Advance Credit Card is one of the most popular general purpose UK credit cards, based on cards-in-force*. 34.9% APR Representative (variable) for Aqua Advance 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. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681. This part of your card balance will incur interest of 34.95%. Top rated products. max credit. The better your history of using credit, the lower the interest rate you’re likely to be offered. They form part of the NewDay group of companies. With the Advance card, you can work towards bringing your interest rate down over time by showing you can make your payments on time and stay within your limits. Using a significant amount of your available credit can be a red flag to lenders and creditors. You can apply for an Aqua card as long as you: Want a progressive way to build or rebuild your credit? Aqua advance credit card offers credit limits up to £1600, allowing the cardholder to draw only a portion of the available credit, and thereby keep the percentage of debt capacity low. This is very helpful for your credit score. Keep track of your credit report with Aqua and CreditView. You can arrange this from your online banking or using aqua's app. They may be licensed to provide credit card services but they are not competent. Set up text alerts so payments don't take you by surprise. We treat our customers with respect. A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result. In his spare time Chris likes forcing his kids to exercise more. If you clear your balance in full each month, however, the rate doesn’t matter – you’ll be able to take advantage of the card’s “grace period” of up to 48 days of 0% interest on your purchases each billing cycle. Every credit card has a maximum balance. may also receive compensation if you click on certain links posted on 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. 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). 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. Aqua credit card services are completely incompetent. Aqua has launched an innovative new credit card for borrowers with bad credit, with an interest rate that declines over time. The table below shows the options available. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. Amazon Classic Mastercard. Offering reducing rates for each year of responsible card use, the aqua Advance is an admirably innovative credit card. gb gb . Potential Interest Charges. Aqua’s credit cards are designed to help you improve your credit score. 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. The representative APR is 37.9%. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible. Could reduce interest rates to 19.9% in 3 years. Get free, unlimited access to your credit report and score with CreditView, which means you can keep track as you use Aqua Advance card. min credit. 0% variable APR on purchases 3% variable APR on cash withdrawals . ZA227007. often incur steep fees and/or higher rates of interest. Compare our Aqua credit cards to see if one is right for you. It may well be designed as a next step from aqua’s other cards, or for applicants with slightly better credit histories (although all aqua’s cards are designed with poor or limited credit histories in mind). Of course, you can always use your credit card to get a cash advance, for a sizeable fee, at a casino ATM. However, your lack of credit history means you may find you aren’t eligible for many. 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. The Aqua Advance credit card is an example of this type of card, with annual drops in the standard interest rates over three years. It's always wise to check the terms of any deal before you borrow. £1200 . Aqua advance credit card offers credit limits up to £1600, allowing the cardholder to draw only a portion of the available credit, and thereby keep the percentage of debt capacity low. Let's look a little more closely at these two problems. 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 … CreditBuilder™ option. Probably a 123 credit card combined with a 123 current account provides a level of cashback which is not available elsewhere. Our address is Level 2, 20 St Credit available only to UK residents aged 18 and over. You can make manual repayments through aqua's app, by logging in to your online banking or over the phone (0333 220 2691). As well as launching the Advance card, Aqua has also cut the rate on its existing Classic card from 35.9% to 32.9%. finder.com is an independent comparison platform and information service but if you done it by mistake or may be due to your accounting error. accurate but you should confirm any information with the product or Aqua credit card works well had no… Aqua credit card works well had no problems . 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. Most credit card providers now class gambling as a cash advance transaction, the most expensive way to borrow. The lower the APR, the less you’ll have to pay in interest. Credit Building Cards. Compare the best credit card deals matched to you COMPATABILITY MODE It looks like you are running Internet Explorer in compatability mode, please turn this off … Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. The APR shown represents the interest rate offered to most successful applicants. Tags: bad credit score credit cards, credit cards for bad credit, credit cards for poor credit, instant credit cards. 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. Terms apply. You can arrange a direct debit for repayments when you apply for the credit card. The representative APR is 35.9% for an assumed spend of £1,200 to be repaid over one year. Top rated products. filter through products to find the best deals. How much does a cash advance credit card cost? For example, if you use the Advance card responsibly but miss a repayment on another card or loan, it’ll damage your credit score and your chances of being awarded a lower rate. That's what's known as a "money transfer" (rather than a "balance transfer") in credit card jargon. Aqua Card is great I moved to the UK recently, I applied for the Aqua card to build my credit score. A cash advance is when you withdraw money with your credit card. Approval for any credit card will depend on your status. 35.9% APR, starting credit limit between 250-1200£. 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 Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. However, you shouldn’t trust that you’ll always be receiving the best rates you’re eligible for – in other words it’s still likely to be beneficial to shop around as your credit score improves. HSBC Advance Credit Card. At 34.9%, carrying a balance from month to month would be costly. When you make major financial decisions, consider getting independent financial advice. Say your credit card's credit limit is $10,000 and you have a credit card balance of $4,000. However, better avoid doing it if … Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. In theory, most UK credit cards on the market are open to UK residents aged 18 or over. Credit card fees. United Kingdom. Aqua’s credit cards are designed to help you improve your credit score. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay. Am I eligible to apply for an Aqua Advance card? aqua is part of the London-based NewDay group of companies, which is the credit card provider for some big high street names, including Debenhams, Topshop, Laura Ashley and Amazon. Your credit card issuer gives you a credit limit, which is the highest outstanding balance you can have on your credit card at any given time.As long as you remain on good terms and stay under your credit limit, you can keep making purchases up … , a student credit card, a student credit card may be counterproductive to credit... To being treated as a cash machine 180 cards from s tier ( YES ). And is a trading style of choose Wisely Limited and is a bit mean of £450 such. Particular order site are from companies from which finder.com receives compensation and had a 34.9 APR! The rate of 34.95 % p.a will usually pay us a fee of £3.00 flag... Financial advice up and instructions visit, How to set up and instructions,! 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