Aqua credit card 4+

Aqua is best card for getting cashback for each transaction-mine is 0.5% which is best at moment. They improved the app more recently by showing the total amount you had spent on the card including pending transactions which is always an annoying part of any bank or credit card and Aqua didn’t used to include the amounts pending so is much better now they count it as you can keep track of the total amount you have spent on the card-nice improvement Aqua👏👏. The only other thing they could do to improve is pay the cashback you’ve earned monthly, instead of annually but otherwise is best credit card out there.

Hi there, thank you for your feedback and I'm glad you're enjoying your card! We are always working to improve our app and services so this is lovely to hear 😁 I will pass on your comments regarding cashback pay outs to the relevant team for you, and we appreciate your time. Take care and have a lovely day! - Leigh

I applied for an Aqua card ages ago ( they did not send mea pin). I applied for a balance transfer (which was what at 0 % I wanted the Aqua card for) and by the time I got them to answer the phone the 60 day limit had expired! What a farce Studio told me that I couldn’t apply for their offer of 0% over 6 months as I had already been offered 1 with another account on New Day!!??? When I finally got it set up in May of this year - I am still undergoing problems! I received a text that said I would need to make a payment of £5 by the 13th June to avoid a late payment charge! I am writing this on the 5th June and I received a call from a supplier of goods to say my payment has been declined by Aqua??? I am unable to do anything about this as it is a Sunday (Bank Holiday)! There is enough money left In credit to pay this supplier so am left feeling that Aqua is a useless credit card to have! What is the point of having a credit card that is constantly declined??I think I will put in a complaint as you do not relate your expertise to me in your reply Jake - I will have to complain, in writing, to get anywhere!

Hi there, thank you for your feedback. I'm sorry to hear that you've had this experience so far. Please bear in mind that we do not issue out PIN's in the post anymore, as this is available digitally via the app, by going to: My Card > View my PIN. Whenever a Balance Transfer offer is made available on account opening, this would be valid within the first 60 days of the account being opened, but would then expire unfortunately. I'm sorry to learn you were unable to contact us prior to this expiring on your account, either over the phone, or via in-app chat. With regards to your query of the balance being owed, and card declines, I would recommend that you reach out to our messaging team via the app, as this is a live chat service, and would eliminate the need for you to call. They will then be able to look into your account, and support you further. We hope to hear from you soon - Jake

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