Aqua Credit Cards - www.aquacard.co.uk

Never trust these companies they always let you down

I have managed my card well. i have cleared it several times and pay above the minimum if not cleared. regardless of this AQUA have increased my interest rate by 16%. not interested in anything i have to say to them.

ive transferred my balance to another card who doesnt take the mickey (yet)

I took out a payment break for 3 months with aqua card services at the start of lockdown, i then had texts informing me this had come to an end, and i duly paid the complete outstanding balance i then attempted to use the card when i was moving, to pay storage and much to my shock the card was not being accepted, so i called aqua and was advised that the storage company were not enterng transactions correctly and that they should use chip and pin, this was the fraud department at aqua that advised this wrongly so, this led to me being unable to access my storage, and i still had to pay the drivers for nothing i raised a complaint with aqua, and several months down the line am hardly any further forward they originally advised tat they were having problems retreiving the call and when they did, have been unable to resolve this matter, i have been left with hundreds of pound of storage fees, and the company have now issued a disppsal notice on my goods, and also advised that they are pursuing me for the amount of storage fees, which i have incurred due to the delays in aqua dealing with my complaint and not accepting responsibility i have been advised that the original reason that aqua did not make payment was that my credot card holliday was still in place because instead of ending this when the 3 months was up, they had taken this to the end of the month i am in one big mess, and cannot begin to explain the effect this has had on my mental health, i have suffered a total breakdown, and cannot look at any more letters without having a panic attack please avoid using these people

I requested a refund on a Flybe account 5 weeks ago now. I’ve made 5 calls to get this sorted. Every time I call they say they have looked into it and it would show in 48 hours, 7 days later it’s still not showing. The keep asking for further information and I have to prove that Flybe are in Administration! Totally Joke. A friend who booked the same flight on another Credit card received a refund in 7 days.

Each time I call they have another excuse as to why it hasn’t been administered.

They are saying the interest is frozen on this transaction but I do not believe them.

i found this company, not very customer friendly, they issue credit cards, then they suddenly change their attitude, very unhelpful, they increase your credit limit then change their minds and without any reason given they reduce your limit,then they will not answer your question to why.

then they send subtle intimidating letters, basically wanting to increase payments by nearly 400%

i have filed a complaint with the financial ombudsman

i recommend any card holder to do the same

DEFINATELY NOT RECOMMENDED TO ANYONE, HIGH INTEREST AND BAD CUSTOMER SERVICE,

IF YOU HAVE THIS CARD ,GET RID OF THEM

I have been with Aqua for quite a while...their interest rates are extortionate, but it's my own fault for taking the increases, however I have never defaulted on a single payment even though it's high.My complaint is that this month is a very difficult time for me as I have several bills all coming in at once and the Aqua payment which is actually higher than any of the other bills so I rang to see if there was any help they could offer as in maybe a break just for this month..they agreed they might be able to do that..cue the most humiliating, patronising grilling of my finances WHY I couldn't pay this months bill and WHAT were the other bills that I was prioritising? ..all this for £160!...you would think I was asking them to write off the whole bloody loan! bearing in mind this was literally for a MONTH and I would have to pay not just the next month's payment but the arrears by the end of Jan, I waited 20 minutes whilst the woman who had asked all these questions spoke to another "team" then she came back and said she had to ask "some more questions"...I told her to forget it I would borrow the money and pay the damn thing.in contrast Nat West, who I bank with have always gone out of their way to help if I have experienced difficulties..Aqua are loan sharks plain and simple, hey have NO interest in the welfare of their customers, as son as I can I will pay off this and I will NEVER deal with them again I would advise people to steer well clear!

This is one of the worse credit card companies I have ever met. Despite always paying my monthly payments on time or early my interest rate is increasing adding more to my payments. Aqua should never be allowed to practice as a company and should be reported for the disgusting way they are running their company ~ and will be. Sadly they are not very wise I can see people falling into more debt and not being able to pay their balance and so Acqua will not be able to recover their money having to take a loss. This company is heading for trouble with the regulators if they do not change their ways. If you are not desperate stay away, far far away from this company. Terrible Terrible Terrible

This is a copy of my complaint logged with the financial ombudsman after zero interest in showing any sort of customer service.

Aqua credit card services are completely incompetent. They may be licensed to provide credit card services but they are not competent. They refuse to reply to any customer contact and when they do, they do so in a way that guarantees the customer is not able to reply for example by having 'noreply' email addresses.

I am abroad. My credit card works 1 in every 5 attempts. It is very inconvenient. I am way below the credit limit. My wife has an additional card on the same account. it also didnt used to work for the 1st week of out trip. Now it works and mine doesnt. It isn't anything wrong physically with the card, because it is rejected online too when you just enter the number.

I have contacted AQUA 27 times over the last 10 days to try to get this sorted. Nobody ever answers the phone and calling from abroad it has cost me a fortune.

I have called 9 times and emailed 18. Even though I explained the situation in email, and then escalated to AQUA complaints when I heard nothing. I heard nothing for 2 weeks. Finally this morning I got a stupid email response saying it was 'easier' to communicate by phone than email (easier? not for me!) and can I call to discuss a non geographic number that is impossible to call from outside the UK. And then the email said dont bother to reply to this email it wont be read!!

I dont even need to communicate with them I just want my card to do what they told me it would. I have an expectation that if my card is in credit and everything else is good then the card should work, not one in 5 attempts, especially when my wife as a supplementary card holder hers works all the time. Its just pathetic and they shouldnt be allowed to operate in such a reckless and incompetent manner with complete disregard to customer service.

If you pay on time or clear the balance they increase the interest you get drawn in and then the rates jump up. They then tell you if you do not want the rates to go up you can freeze the card and pay off the debt I owed £3000 and was being charged £99 a month interest. Watch out for these people as there are other cards and all provided by Newday Ltd. Go elswhere Capital one are better. Pleaee avoid these loan sharks.

they sald they wouldunblock my card on Friday but they never did very unhappy aboutit