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Apply online for a FREE aqua credit card, for people with bad credit including CCJs.

"It just takes a minute to complete and submit
your aqua mastercard application"

Why is the aqua credit card right for me?
We know there are many reasons why you might have trouble getting credit from other companies. You might be self employed, not on the electoral roll, on a low income or have previous bad credit including County Court Judgments (CCJs).
As a specialist lender, whatever your financial situation, at aqua we take a closer look to see if we can give you the credit you need and can afford – that’s why we have already been able to help more than 150,000 customers.
So go on – apply for an aqua credit card now – and you could set your finances free, with a sensible credit limit.
We believe everyone should be able to enjoy the financial freedom and convenience a credit card brings. With aqua in your pocket you’re free to buy things off the internet, snap up bargains, pay bills, access cash quickly at home or abroad – and much more.
The aqua card is underwritten and managed by SAV Credit Limited and the card is issued by Bank of Scotland plc. This means you can have peace of mind knowing that aqua works closely with one of the UK’s largest financial services companies.
It’s not just our approach that’s refreshingly fair – our credit limits are too. We are a responsible lender and offer our customer’s a sensible credit limit, with affordable monthly repayments. And many of our customers find that having an aqua credit card can be a great way to start building a good credit history too.
halifax aqua credit card Secure Online Application Safe and secure online application with SSL encryption technology.
Get the aqua bad credit card and enjoy the power of plastic again today.
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
aqua credit card
 
aqua credit card mastercard We try harder to give you a better chance...
  • A Mastercard with no annual fee
  • A credit limit of up to £1,600
  • We will not charge interest on purchases if you pay your balance in full and on time each month
  • Manageable monthly payments
  • Flexible payment dates
  • A friendly 24-hour customer helpline
  • Representative 32.9% APR (variable)
Be free to enjoy the benefits

Over 150,000 people in the UK have already been helped by aqua and on top of the card features listed above, also enjoy all these great benefits:
  • Free additional cardholder
  • Access to optional insurance products such as credit card repayments cover and card care, designed to help you should your circumstances change
  • Security of chip & PIN technology whenever you use your card
  • An attractive MasterCard accepted in 24 million places and 600,000 cash points around the world
We can’t promise to say yes, but we can guarantee that we’ll try, even if you have been refused credit before or are:
  • self employed and find it difficult to prove a regular income
  • a homemaker
  • 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)
Representative example:
Your interest rate for purchases is 32.94% p.a
With a representative 32.9% APR
If you borrowed £1,200 and repaid it over 12 months

Intro APR Intro Period Annual Fee
N/A N/A None
Click here to Apply
Now or Learn More...
 

Why choose aqua?

Choose aqua
A credit card can make life so much easier – whether it’s to help in an emergency, pay for one of life’s little extras or to make an everyday purchase – we believe everyone deserves the financial freedom that a credit card offers.
At aqua we know there are many reasons why you might have been refused credit before, and that’s why we may be able to help you now.

On a low income?
Are you a homemaker, retired or do you work part-time? Unlike many other credit card companies, aqua will take a closer look at your application even if your annual income is low. So this, combined with our manageable monthly payments at a time of the month convenient for you, means that aqua will give you a better chance to be accepted.

At a new address or recently moved to the UK?
Recently moved or not yet on the electoral roll? aqua will take a closer look at your individual circumstances and may be able to help you where other companies haven’t. Even if you’re new to the country and have little credit history in the UK, we believe this alone shouldn’t hold you back. Don’t wait any longer to set your finances free – apply today.

Self employed?
We know that working for yourself can sometimes cause problems when applying for credit, especially if you can’t prove a regular income. At aqua we can’t guarantee to say yes, but we can guarantee that we’ll try.

Looking to build or repair your credit history?
If you have never needed a credit card up until now, little or no credit history may mean you will have problems getting credit with other companies. If you have experienced problems with credit in the past, even if you are affected by previous County Court Judgments (CCJs), aqua may be able to help if you’re trying to build or repair your credit history as long as you make regular payments and stay within your credit limit.

Be worry-free
We pride ourselves on being responsible lenders, which means we stick to credit limits that are fair and sensible, with monthly repayments we believe that you can afford, with the option for you to set the repayments at the most convenient time of the month for you. And should you ever have any problem meeting your repayments, we’ll do our best to help you sort it out.


Customer comments

We know we try harder to give you a better chance, but we also know that you would prefer to hear that from our satisfied customers.

We take time to collect customer feedback, so why not take a read of what aqua card customers say about us.

For my convenience
"Not being able to get out to the shops all the time, its easier, I can use my aqua card to buy online."- Mrs C Murray, Cumbria

"I like the convenience of a credit card - I don't like to carry too much cash around." - Mr S Mirzaali, Leeds

"I was doing a lot of travel on the train and half the machines didn't take cash - they also don't take Solo, I don't have a debit card. aqua was a real lifesaver, saves me a headache." Mr L Charles, Surrey

For my convenience
"aqua is my first credit card - I am trying to build my credit rating." - Mrs C Whittingham, Lancashire

"aqua was my first credit card, taken out to build my credit rating and as a result it's just got better and better over the years." - Mr M Stevens, Kent

To help me repair my credit rating
"I had been out of work for a bit and my credit rating took a bit of a tumble. I got back into a well paid job and paid everything off. I still could not get any credit cards to build up my credit rating. I wanted to build up my credit rating and aqua did offer it." -Mr L Charles, Surrey

"I am hoping aqua will allow me to show a true representation of myself as a reliable customer again." - Mr L Charles, Surrey

Happy with aqua's customer service
"I would recommend aqua to a friend, your service has been very good and the people I have been talking to have been friendly." Mr B Kershaw, Gwent

"I am quite happy with the service - I am very grateful as obviously if I do got over my limit or if I'm a little bit late you'll always ring to remind me, which is great!" Mrs R Wood, Kent

"I am more than pleased with the service I have received, everyone is always friendly when I ring up - yes, I would recommend aqua to my friends." - Mrs K Causton, Kent

"Very professional - from day one you were very good, I am more than happy with aqua. If there are any problems you always talk it through." - Mrs D Hartley, Londonderry


Balance transfers

If you’re interested in making a balance transfer, first you’ll need to make sure you have available credit on your aqua card to cover the amount you want to transfer.

You can make as many balance transfers as you want up to your available credit limit but each transfer must be a minimum of £20. Each time you make a balance transfer you’ll be charged a minimum of £3 or 3% of the balance transfer value, whichever is greater.

To arrange the transfer you need to call us on 0845 601 0436* and speak with one of our advisors. You’ll need to have ready all the details of the accounts you wish to transfer balances from, and the transfer is normally complete within 7 days of us receiving the request.


Protection

Because life doesn’t always go to plan
Life isn’t always straightforward and we can’t predict the future. That’s why you’re supplied with a pin number to use each time you make a purchase and why aqua offer a number of additional services to provide you with enhanced protection and helps you plan for the future.

Protect your cards
If your cards are lost or stolen, one phone call to Card Care is all you’ll need to make. Protect all your credit, debit and store cards for just £18 a year - and enjoy a whole range of other benefits.

Protect yourself and your future with Credit Card Repayments Cover - Lifestyle
Nobody knows what could be around the corner, but one thing's for sure - with our optional Credit Card Repayments Cover - Lifestyle, you could afford to relax, knowing that we could pay the outstanding balance or make your monthly repayments at times when your finances could be under strain.

Chip & PIN
Chip and PIN offers you greater security than ever before by keeping your transactions secure when you're out shopping.

Keeping you safe
You can also be safe in the knowledge that we’ll use the latest technology to keep your details secure and have dedicated teams to monitor account activity and intercept any suspicious transactions.


Credit Card Repayments Cover

What does optional Credit Card Repayments Cover - Lifestyle offer you?

Nobody knows what could be around the corner, but with our optional Credit Card Repayments Cover - Lifestyle you could afford to relax, knowing that we could pay the outstanding balance or make your monthly repayments at times when your finances could be under strain.

We could cover more than your minimum repayments each month for up to 12 months in the event:
  • You are unable to work for 15 consecutive days because you have suffered an accident or sickness
  • You are working and become unemployed for at least 15 days (through no fault of your own)
  • You were confined to hospital for at least seven consecutive days or more
In the event of a valid claim, Credit Card Repayments Cover could pay 10% of either the outstanding balance or highest balance (in the preceding statement month) whichever is the greater but no less than £10 up to a maximum of £2,500 a month.

We could also pay off your outstanding balance up to a maximum of £25,000 in the unfortunate event that you should suffer from a specified critical illness or in the event of your death or you become a full time carer for a relative (partner, parent or child).

What's more we could even pay 5% for a month if you have something important happen in your life such as:
  • Marriage or civil partnership
  • Becoming a parent
  • Becoming an adoptive parent
  • If you buy a property in the UK which is to be your main residence and you are the sole or joint owner
  • If your marriage or civil partnership ends
Life Event Cover could pay 5% of the average highest balance in the 6 statement months immediately before the life event occurs up to a maximum of £1,250. We could pay you 2 life event benefits in any 12 month period.
As with all insurances, terms, conditions and exclusions apply.


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