Aqua credit card 4+

I was always scared of having a credit card as I thought I would lose control but credit where credit is due(no pun intended) , this aqua card let’s me know constantly what I have left , when I have to pay and what I have to pay . It’s so transparent it’s excellent . So clear no mumbo jumbo , in black and white - that’s what I think many people need.

You can’t get caught out and fall into debt (unless your unwilling to help yourself) it’s excellent really . It’s bailed me out a few times and I love it .
Thanks
NB

Hi there! Thank you so much for the detailed review! We try to be as transparent as we can as we want our customers credit to be better! I am very glad to hear that our card has helped you. Thank you once again for choosing us! - Nicole

Extortionate interests rates
Contacted them to say I was finding my interest rate crippling and they emailed me saying nothing we can do or are prepared to do about it!
I would have rated zero stars if it was an option.
Also they send you a statement with a recommended payment for the month,an option for a boosted payment and you have to look hard to find your actual contractual minimum monthly payment amount, if you use the App and click on the ‘pay’ button it only lists boosted and recommended payments at the top, you need to scroll down to find the minimum payment . This would be terribly confusing for someone paying their bill in a hurry and you could easily end up paying the ‘recommended’ amount by mistake , resulting in you inadvertently paying way too much

Hello there, I'm sorry we were unable to reduce your interest rate, this is not something we are able to change manually. In regards to paying the Recommended Extra Payment (REP), this was introduced to aid our customers in paying off their balance quicker - the quicker the balance is paid off, the lesser the interest will be in the long run. I hope this helps - Nicole

I use my aqua card for all purchases I make during the month and I pay it off before I reach my credit limit. Unfortunately I typically reach my limit before the month is up and although I have a standing order set up with aqua this only comes into play at month end. So, in order to continue using my card I have to manually make a payment which is a real pain.
I have never incurred any interest charges and I have always paid my account off before reaching my limit.
Why therefore am I declined an increase to my credit limit (£1200 to say £1500) which then would see me comfortably through the month. I don’t understand.

Hello, and thank you for your feedback. I can appreciate that you may manage your account well with us, which is great, however this isn't the only thing that is taken into consideration when we review an account. To give you an idea, the information we check includes:
•How you use your account
•How you manage your accounts with us and other providers
•How anyone you are financially linked to manages their accounts
•What level of credit you’re using
•How much credit you could get
•Any applications for credit you’ve made
•Any other credit you have but are not using – for example, a credit card you no longer use but have not cancelled.

I would advise that if you haven't already been offered a credit limit increase on the account, to contact the Credit Reference Agencies, to check your score & the information that is held on your credit file. I hope this helps - Jake