The Aqua Credit Card is designed for people with a low or bad credit rating. Whether you have CCJs, arrears or don't own your own home, the Aqua MasterCard could suit your needs to rebuild your credit no matter what your credit status.
Self employed
Home makers
On a low income
Not on the electoral roll
At a new address
Affected by previous adverse credit.
So don’t let your finances be restricted by life’s ups and downs. Apply today for your aqua credit card and you could soon be enjoying much greater financial freedom, with a typical 35.9% APR variable.
The Aqua MasterCard Card is underwritten and managed by SAV Credit Ltd and the card is issued by Bank of Scotland plc.
CARD TYPE
MASTERCARD
UNIQUE BENEFITS
The Aqua MasterCard credit card was launched in 2002 and already has over 150,000 customers. As a specialist lender, whatever your financial situation, Aqua take a closer look to see if they can give you the credit you need and can afford. Applicants who are self employed and find it difficult to prove a regular income; a homemaker and are unable to prove own income; working part-time or on a low income; at a new address or not on the electoral roll; recently moved to the UK; affected by previous poor credit, including County Court Judgments (CCJs) will all be considered.
PROS
The Aqua MasterCard comes with these great benefits:
No annual fee A credit limit of up to £2,200 Up to 51 days’ interest free credit on purchases if you pay your balance off in full each month Manageable monthly payments Flexible payment dates A friendly 24-hour customer helpline Free additional card holder Chip & PIN technology CARD TERMS & FEES
Typical APR - 35.9% APR variable Copy statement - £5 each Late payment and over limit fee - £12 Returned payment fee if a Direct Debit or cheque is not honoured - £12 Foreign transaction fee - 2.75% of the amount of any non-sterling transaction made abroad Cash advance fee - 3% or £3, whichever is the greater
WHO CAN APPLY?
Over 18. As a specialist lender, whatever your financial situation, Aqua take a closer look to see if they can give you the credit you need and can afford. Applicants who are self employed and find it difficult to prove a regular income; a homemaker and are unable to prove own income; working part-time or on a low income; at a new address or not on the electoral roll; recently moved to the UK; affected by previous poor credit, including County Court Judgments (CCJs) will all be considered.
ATM LIMITS
Maximum ATM withdrawal - Not to exceed the credit limit on the Card and in accordance with daily withdrawal limits. MISC
The Aqua MasterCard can be used anywhere that you see the MasterCard acceptance mark - in store, by telephone and online. Up to 51 days interest free on purchase transactions if you pay your balance off in full each month.
About Credit Cards To Rebuild Your Credit
What are they?
A product developed specifically for clients wishing to re-build or re-start their credit history - adverse credit cards offer many a second chance at financial recovery. Ideal if you’ve recently recovered from a period of financial difficulty or have been declined by a ‘prime’ card provider.
An adverse credit card does not differ hugely from its ‘prime credit card’ sister. The application process is much the same, subject to status. The advantage being that the adverse credit card provider acknowledges that the applicant has probably experienced some financial difficulties in the past, so makes some provision for this when making a decision on whether to accept the application. With no discernable difference in appearance to their ‘prime’ counterparts, adverse credit cards have no visual or perceived stigma attached and offer the same freedom of choice where client spending is concerned - internet, telephone and over the counter usage are all permitted.
Pros
Adverse credit cards provide an excellent opportunity to re-establish a client’s credit status. Credit limits are set at an affordable amount so that budgeting is established and over spending discouraged. This helps a client not to overstretch themselves, thus encouraging a more balanced approach to credit facilities. Over a period of time, the cost of borrowing, the APR, can be re-considered and reduced. Credit limits may be raised after prolonged acceptable useage.
Cons
The cost of borrowing on credit cards, especially adverse credit cards, can be extremely high. If a client has not budgeted correctly, they may find themselves in a situation where their repayments become too costly. Without disciplined use, an adverse credit card may result in accumulated debt that is not met.
Everything Financial offer products and services to help rebuild your credit history. If you have been turned down for a credit card or loan, we have various no credit check products or products designed to help rebuild your credit. We affiliate with leading UK companies within this market that understand your credit history may be less than perfect. Products include no credit check online payday loans, unsecured loans for bad credit, credit cards even with a poor credit history, prepaid credit and debit cards, guaranteed banking accounts and many more.
