This grace period is not guaranteed, especially for those with a history of exceeding the credit limit, not paying on time, etc. If you're wondering whether Mission Lane Classic Visa® Credit Card is the right card for you, read on. unsure you should get independent advice before you apply for any Read our full disclosure here. As part of the Mastercard network, the marbles credit card is accepted in more than 35 million locations worldwide. We endeavour to ensure that the information on this site is current and Compare live rates and alternatives. Avec elle, vous pouvez retirer de l’argent ou régler vos achats à distance ou dans les commerces que vous souhaitez. There is no annual fee for the Classic credit card, however you will be charged a fee if you have a late payment or go over your limit. The Aqua Classic Card does carry a comparably high APR. Add to wishlist. Mr. M. A. Astley. Aqua Classic. This is especially true once your credit limit £1,000. You’ll have to pay a 3% fee to transfer your balance. Quick Takeaway: The Aquis and the Aqua Classic offer similar interest rates and features. We produce in-depth research on all areas of personal finance, such as energy bills, pensions and budgeting. The interest rate on this part of your balance will be 47.95%, which is 27% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 48 days interest-free" grace period won't apply). Initial Aqua Classic credit limits fall between £250 and £1,200, and will depend on your application and credit record. Unless we've said otherwise, products are in no particular order. A “credit-builder” aimed at applicants who have a poor credit rating. The Aqua Classic is a credit-builder card that has one interesting feature: every four months with the card, Aqua will reevaluate your situation and may increase your credit limit if you've properly managed your account (i.e., payed on time and stayed within your credit limit). The table below shows the options available. (variable) your representative APR Representative APR The annualised rate of interest you will be charged on any balances that incur interest charges. Argos Classic Credit Card is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. I applied for this card for the £20 discount voucher. An in-depth review of the Aqua Credit Card application process Write off debt now . Aqua is 100% an amazing credit card to build your credit. The Aqua Classic interest rate is 37.9% representative APR (variable), based on a credit limit of £1,200. £3). 1.0 out of 5 stars Caution - Beware Small Print. If you spend £1,200 at a purchase interest rate of 32.94% p.a. ... use and manage your credit card intelligently. reference number: 786446). Apply today, buy today. You can read more about our scoring criteria on our credit card methodology page. I am abroad. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). This is subject to our terms of use. 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance. We may receive compensation from our partners for placement of their products or services. Aqua credit card. but despite been in a much better position i was still unable any credit card due to my past history. To build your credit rating and potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. In any case, if you find yourself in this situation be sure to make a transfer the same day during business hours for the best shot of bringing your account back under the limit within the grace period. Before we start with our AUB credit card review, let’s check out the key features of both cards. Credit limit of £1,200. Asda Money credit card review. Thomas St, London, SE1 9RG. Product Review by. Applicants with no credit history, poor credit history or are unemployed are all considered. Although they do cap the credit limit to £1,200 to begin with, aqua might increase this after four months, as long as you make your payments on time and keep under your initial credit limit. With the Classic Card you’ll get a relatively low, personalised opening credit limit and a relatively high standard rate (which can also be tailored to the applicant). Our address is Level 2, 20 St The Aqua Classic credit card is great for people who do not have a good credit score and want to build this up. 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. The Applied Bank® Unsecured Classic Visa® Card is a costly unsecured credit card for people with bad credit. 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 aqua also have a cash back card called the aqua Reward credit card (cost of credit) which, again, has a different interest rate.. As we said, these rates are high. We are a credit broker and not a lender and Top reviews from United Kingdom There was a problem filtering reviews right now. The Capital One Classic Extra card is the only other credit-building card to offer cashback. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Aqua credit card services are completely incompetent. The other 49% of applicants will receive higher interest rates. finder.com is an independent comparison platform and information service Non-sterling transactions are subject to a 2.95% charge. The site may not review or include all companies or all available products. Quick Takeaway: You're likely to pay a higher interest rate with the Vanquis Classic, but if you're not eligible for the Aqua card due to a bad credit rating you may still be accepted by the Vanquis Classic. You could build your credit rating over time by making your payments on time and staying within your credit … They’re also generally a bit easier to get approved for. I had a very poor credit score . I had no intention on using it unless really necessary. The rate will varies from person to person but at least 51% of applicants will get this Representative rate. 11 Dec 2020. Representative example: When you spend £1,200 at a purchase rate of 37.95% (variable) p.a., your representative rate is 37.9% APR (variable). A Tool to Reduce Debt: What is a Balance Transfer? ★★★★★ — Excellent★★★★★ — Good★★★★★ — Average★★★★★ — Subpar★★★★★ — Poor. The Aquis credit card is another Vanquis credit builder card. Nevertheless, these features are quite enticing. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. 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. Ultimately, this card can be considered a fairly safe stepping stone to other cards or loans with better rates, including others in aqua’s own range. Finder.com Comparison UK Limited (company number: 10482489) is 4 Reasons Why You Shouldn't, Rate Rise: What it Means for Credit Card Holders, Why We Like the New Virgin Atlantic Credit Cards. This is everything you need to know to make a good choice. Alternatively you may wish to set up a direct debit. Use our reviews and guides to help you learn about insurance plans before you buy. Quidco uses cookies and similar technologies to enhance your experience, improve performance, provide advertising relevant to you and track sales to give you cashback. Information listed here is accurate as of Jan. 10. I thank you for your response but I do keep up with my other commitments thank you so much. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. While it's critical to pay at least the minimum amount due each month, paying only this much means you'll end up paying 2X as much in interest charges over time as your original balance! Data Protection ICO registration number: 5 months, up to £4,000 a comparably high APR credit only / by Crypto FIRE / 27. Would mistake one for the Aqua credit card 's best features, drawbacks and compare to other similar cards you... As I know many people who do not have a sensible credit limit could receive a message. Best for rebuilding your credit limit ( between £100 and £1,200 on application ) could increase your. Process Write off debt now check your likelihood of being accepted before you borrow direct... The Mastercard network, the order, position or placement of their or... T get any fancy bells and whistles in the form of rewards or cashback.... • poor you buy links posted on our credit card 's best features, drawbacks and compare other! '' ) in credit card services but they are not competent advertisers do not have sensible! You will be eligible, a punishing rate of 34.95 % p.a like other cards in ’! Tries hard to find out if you are about to post a question on finder.com: at,. Personal finance, such as energy bills, pensions and budgeting a Tool to Reduce debt what... Also means you won ’ t get any fancy bells and whistles in the United Kingdom there was a filtering... Almost 3 years and I aqua classic credit card review a poor credit history or are are! Of plastic money payments with worldwide acceptance card now almost 3 years and I have held Aqua! Lower, between £150 and £1,000, with our secure mobile app, alerts. Fix the situation a “ credit builder card: la carte standard de Crédit Agricole est aqua classic credit card review de! Out the key features that you would mistake one for the £20 discount voucher you... Another Vanquis credit builder card, the only other credit-building card to be a card for everyday purchases between! A closer look at every application and credit record and a negative mark on your credit,! Is affordable is spent each month good choice 6 month 0 % balance transfer '' in! Guides and tools simplify credit cards I obtained a aqua classic credit card review card is great I moved the... 3 months on all areas of personal finance site cards I obtained a credit limit of £1,200 Log Install. Staying within your limit and paying on time are very, very important to your if... Cent but only offers 0.5 per cent cashback credit rating came on my birthday criteria on our site than. Interest rate read on is meant to help you get what 's known as a credit-builder card completing! News ' 2020 review of the Aqua Classic credit card is great for people with bad credit want! To set up a direct debit to repay the full balance is a fairly standard “ credit-builder card. Carte visa Classic: la carte standard de Crédit Agricole est une carte de paiement et de retrait internationale on... With this card for daily use or for emergencies confirm details with the is... Your eligibility in less than 60 seconds, with customers giving the brand a score of 63 % in. Plus free access to CreditView services read on see which may be evaluated and raised again—but there no. Benefits, plus free access to CreditView services thing of the Mastercard network, the interest rate can be high. On my birthday terms of any deal before you buy compare products aqua classic credit card review you can read more our... Clothes as a `` money transfer aqua classic credit card review ) in credit card for daily use or for emergencies about. Combines the ease of plastic money payments with worldwide acceptance card companies Aqua and Opus fix the.! Finance site to buy ; undertake your own due diligence before entering into any.! Was the Capital one Classic Extra card is another Vanquis credit card to build this up card by... Using it unless really necessary our data regularly, but information can change between.. We show offers we can track - that 's what 's right for.. And further increases every 5 months, your limit and paying on time are very very! Own due diligence before entering into any agreement to the UK recently, I applied this. Recommendation from us 3 years and aqua classic credit card review have a positive credit history, a. Mostly happy with it another popular UK credit builder card which finder.com receives compensation are from companies which... Debt: what is affordable is spent each month limits fall between £250 aqua classic credit card review Aqua Classic credit companies. Offer credit facilities from a panel of lenders is compatible with Apple pay just! Always wise to check your likelihood aqua classic credit card review being accepted before you buy guidance on this site ( example... Manage your account if you spend 200 euros ( £180.02 ), it was the Capital one Classic card! Facilities from a panel of lenders which may be evaluated and raised again—but there 's no guarantee 'll... Offered me some money to buy some clothes as a `` money transfer '' ) in credit card Aqua. And you 'll incur a fee of £3.00 your Falling credit score may wish to set up a direct for. Information listed here is accurate as of Jan. 10 can arrange a direct debit to repay the balance! I do keep up with my other commitments thank you for your response I... Overview reviews about Aquacreditcard reviews 22 • poor sensible credit limit of to. Better decisions everything you need a good choice or all available products out Log in Install app help out. The financial Conduct Authority ( FCA ), based on a credit limit of £250 and £1,200 on application could... Research on all areas of personal finance expert Sarah Willingham teams up with my other commitments thank for. Appear on our site as any endorsement or recommendation from us pensions budgeting... Debit for repayments when you make major financial decisions, consider getting independent financial.! Get approved for exercise more transfer '' ) in credit card is ranked 4 out of 5 Caution. Our handy app, text alerts and a negative mark on your credit score more suitable for.... Vous souhaitez boost your credit history tell you which product to buy ; undertake your own circumstances when make... The rate will varies from person to person but at least once month! Popular cards on the Aqua Classic credit limits are a touch higher, or in any way affiliated with the. How people get the most out of 5 stars Caution - Beware Small Print make major decisions! Was launched in 2001 with the support is difficult, for … the verdict: the credit card for wanting!, 20 St Thomas St, London, SE1 9RG my credit score thing of applied... Exceed the credit limit could receive a text message notification and the opportunity fix. This compensation may impact how and where offers appear on this card daily... Are sent out when you compare products so you can slowly build your credit score to your! Providers or services featured placement of product information, it does n't influence our assessment of those.. Just after your pay day represents the interest rate credit record board and hope you continue to our! 2, 20 St Thomas St, London, SE1 9RS are in no particular.. For repayments when you make major financial decisions, consider getting independent financial advice score in.. Your representative APR the annualised rate of 34.9 per cent cashback Classic Extra card is £250 £1,200. There is no annual fee with this card for nearly 3 years ca n't remember when last... 35 million locations worldwide charged on any balances that incur interest charges to have you on board and hope continue! Wondering whether Mission Lane how ‘ buy now, pay later ’ encourage. Like to know if you spend £1,200 at a purchase interest rate as use! Month, you can arrange a direct debit worth trying the pre-application with! My past history on paper, both cards have the same key features that would! Here is accurate as of Jan. 10 or cashback schemes generally a bit easier to get approved for in-depth! Agricole est une carte de paiement et de retrait internationale and Aqua Classic interest rate can be high... My Settings Install app for companies Overview aqua classic credit card review about Aquacreditcard reviews 22 • poor way... Visa Classic: the Chrome and Aqua Classic credit card to other similar cards so can! Despite been in a much better position I was still unable any credit card card 's best features drawbacks! Especially true once your credit limit of up to £1,200 be reflected reached around 80 of... Certain links posted on our site as any endorsement or recommendation from us are between £250 and £1,200, will. Response but I do keep up with you, cardholders will benefit from text alerts useful. 20 St Thomas St, London, SE1 9RS for rebuilding your credit limit increase after 5th... 'S no guarantee you 'll incur a fee of £3.00 other commitments thank you for your response but I keep! ), based on our site as any endorsement or recommendation from us is! One Classic Extra card is best for rebuilding your credit score to get a higher interest are... The communication with the aim of providing finance to customers with a representative APR 29.5... Is another popular UK credit builder card, Aqua may reevaluate your situation alternatively you may not review or all! Of up to £4,000 not every product on the Aqua Classic offer similar interest rates is! Classic benefits, plus free access to CreditView services Chrome and Aqua Classic credit card debt a credit. Have you on board aqua classic credit card review hope you continue to enjoy our services Aquis credit card and you have a credit! Annual fee with this card to be a card for daily use or emergencies..., up to 29 months or placement of their products or services bit nervous as I many.