Aqua - A Credit Card for Bad Credit
The Aqua Credit Card is ideal for anyone who has been turned away or had trouble obtaining credit from other companies. Aqua should be your first port of call if you are on a low income or have had poor credit history - even CCJs.
The company treats each application on an individual basis so the credit card APR will depend on your circumstances. The three main APR brackets are 35.9% Representative APR (Variable), 37.9% (Variable), and 39.9% (Variable).
Unlike other credit cards, the Aqua card comes with no annual management fee and there is no interest to pay if you pay your balance in full and on time every month. This is a great bargain if you can manage your money effectively. The card comes with a standard £2,200 limit but this can be increased once you have built up a credit history with Aqua.
The card is quite straightforward, it does what it says on the tin - provides credit. There aren't many additional benefits. There is, however, an optional extra to take out card insurance for £18 a year which provides you with emergency card replacement if you cards are lost or stolen. This is also covers lost cash and your driving license so is a real bargain.
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Aqua Credit Card Details
| Standard Rate: | 35.9% Representative APR (variable) |
| Balance Transfer Deal? | No balance transfer offer |
| Purchases Deal? | No offer on purchases |
| Introductory Cashback | |
| Standard Cashback | - |
| Annual Fee: | - |
| Interest Free Period: | No interest if you pay your balance in full each month |
| Minimum Repayment: | Any interest, charges, plus 1% of the balance (min £5) |
| Minimum Credit Limit: | n/a |
| Maximum Credit Limit: | £2,200 |
| Notes: | A card specifically aimed at people with poor credit ratings |
| Representative Example: | Assumed borrowing of £1200, representative 35.9% APR (variable). Purchase rate 35.9% PA. |
Aqua Card Summary
- APR: As low as 35.9% Representative APR (variable) based on individual circumstances
- No Annual Fee
- Up to £2,200 credit limit
- Ideal for those with poor credit history including County Court Judgements
- No interest charges if balance is paid in full at the end of the month
- Flexible payment dates
- 24-hour customer helpline
- Free additional cardholder
- Operated by MasterCard - Accepted in 24 million stores and over 600,000 ATMs around the world
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