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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. People appreciate the user-friendly app, which makes it easy to keep track of their spending. Consumers highlight the helpfulness of the service in general, especially in building or rebuilding credit scores. Many reviewers mention that the card offers useful features and flexibility. Customers feel secure using this card, with some noting the proactive fraud detection measures. A number of reviewers praise the company's representatives, describing them as polite, helpful, and quick to resolve issues. The possibility of credit limit increases and the ability to manage accounts efficiently are also appreciated by users.

Based on these reviews

Rated 4 out of 5 stars
Invited

Excellent fraud detection system and prompt customer service for consumer protection. I hope it could have a more transparent and instant cash back system like Barclays has. The app didn't work in Chi... See more

Company replied

Rated 4 out of 5 stars
Invited

I can go online and look at account see what i am asked to pay and when so i can sort my finances enjoy when i can overpay so that intrest is lower

Company replied

Rated 5 out of 5 stars

I called this company a month ago as having not used my card in a long time my direct debit had not been reinstated! Anyway I spoke to two lovely ladies one called Carol and her manager called Sally I... See more

Company replied

Rated 5 out of 5 stars
Invited

I’m a devoted Marbles credit card fan, what an excellent reliable company they have been over the years. I’ve got now an excellent credit rating. Changing details etc, or logging out of my... See more

Company replied

Rated 5 out of 5 stars
Invited

I have never had a problem with aqua their customer service has always been spot on even when I have used a 3 party payment like PayPal I got a refund quite fast.plue its helped my credit score plus r... See more

Company replied

Rated 5 out of 5 stars

By far the best credit provider, got two credit cards started with at £1200 limit, one year in and they both been increased, one is 3650 other £4500. Capital one are brutal pointless card company had... See more

Company replied

Rated 5 out of 5 stars
Invited

Great credit card never fails me in any country that i have been either Europe or Asia and don’t have any problem with the card never once called customer service. Recommend it and just now I just re... See more

Company replied

Rated 5 out of 5 stars
Invited

I have this card more than 3 years and I am very happy to use all the time when I need to book accommodation overseas. I never had any problems on my holidays if I needed to buy anything.

Company replied

Rated 5 out of 5 stars
Invited

The Aqua credit card is designed for people with poor or limited credit history who want to rebuild their score. It’s easy to apply for, and the SafeCheck tool lets you check eligibility without affe... See more

Company replied

Rated 5 out of 5 stars
Invited

Great credit card. Always reminds me for payment, both by text and email. Their app is easy to navigate. When I've had reason to make contact they answer right away. Always very helpful. They look out... See more

Company replied

Rated 5 out of 5 stars
Invited

Aqua is a best reliable card company with offers and discounts. If well used they increase your credit limit and as a result it powers your credit score. It has a better interest rate compared to so... See more

Company replied

Rated 5 out of 5 stars
Invited

Great company you can rely on . Always there to give a helping hand to get you on the the right road ..They do not push credit increases on you it's entirely up to you if you want the increase or not... See more

Company replied

Rated 5 out of 5 stars
Invited

I like this company. I always feel secure using it. They give me a very good credit limit and keep me well informed of any available offers and updates on interest rates and other information. I wou... See more

Company replied

Rated 5 out of 5 stars
Invited

Application Process is quick and easy. The App is well laid out so I can access everything I need easily. I've always been advised well in advance of any interest changes, credit limit chang... See more

Company replied

Rated 5 out of 5 stars
Invited

This company keeps an eye on your account telling you what and where you are going wrong and what to do to help you which other card lenders do not im really happy with aqua 😊

Company replied

Rated 5 out of 5 stars
Invited

I noticed a purchase on my statement I did not recognise. I rang the customer service department who looked into this, discussed this with me in depth and where able to confirm I had not made this pur... See more

Company replied

Rated 5 out of 5 stars
Invited

Brilliant credit card. Easy to get sorted and very efficient approach maintain an account. They keep you informed whenever necessary and I've been with them a few years now and I'm very impressed

Company replied

Rated 5 out of 5 stars

Had some issues with a default being issued incorrectly. I called this morning and spoke to Aneese, within 10 minutes he had found the issue and resolved. The default is now being wiped from my histor... See more

Company replied

Rated 5 out of 5 stars
Invited

Very happy to be NewDay credit card customer. It gives me money transfer/balance transfer offers even I have opened my account few years back. Other credit card companies only provided offer when I f... See more

Company replied

Rated 5 out of 5 stars
Invited

Aqua has been very useful for helping me tobe more thoughtful towards my credit score and spending. They have taught me how to realise my goals to get items that I need but couldn't afford... See more

Company replied

Rated 5 out of 5 stars
Invited

Aqua card should come with a little red cape on it because it's been like a little super hero to me coming to my rescue on more than one occasion. I've had to call aqua and the team there have been su... See more

Company replied

Rated 5 out of 5 stars
Invited

Good support guide you through aqua coach give alerts solving problems or issue out immediate response

Company replied

Rated 3 out of 5 stars
Invited

The credit card works very well as a credit score builder and I find it perfect for that purpose. However, the interest rates are extremely high, which makes it less attractive for regular use.

Company replied

Rated 3 out of 5 stars
Invited

It's not great and it's not terrible it works well sometimes allowing me access as required to check my balance and transaction. My only bugbear is when my credit card asks me to verify a payment. I g... See more

Company replied

Rated 5 out of 5 stars
Invited

Excellent service, the app is brilliant everything you need to keep an eye on your account. Aqua keep you up to date on what is going on with your account. The Aqua card is excellent in my view, as fa... See more

Company replied

Rated 5 out of 5 stars

Customer service It so good to be able to speak to an actual person. Both people I have dealt with polite, listened, acknowledge my frustrations with a refund from another company not recieved. Dea... See more

Company replied

Rated 5 out of 5 stars
Invited

I have been a Aqua customer for a while. By using your Aqua Credit Card wisely they will increase your credit limit (stay within your credit limit). Pay on time. Great customer service. I highly reco... See more

Company replied

Rated 5 out of 5 stars
Invited

Aqua have been of help to me in time of financial difficulties by giving me payment holidays during my struggle with finances. There's no hidden charges on all their cards and they helped in building... See more

Company replied

Rated 5 out of 5 stars
Invited

Safety measures. Am loving that when using card in a shop, I have not shopped in before, I have to put my pin in, also for purchases over certain price even if I have shopped there before, I am also... See more

Company replied

Rated 5 out of 5 stars
Invited

I like it as they have different features. High credit limit, balance transfer only with 3% fee and zero interest rates for 9 months but cash transfer only for 6 months.

Company replied

Rated 3 out of 5 stars
Invited

Since I started with you which was a credit card to help me get my scores up. You have since turned this card into a millionaire’s card as you have sky rocketed the interest higher than any other card... See more

Company replied

Rated 5 out of 5 stars
Invited

Brilliant xard to help you build your credit rating and you choose whether to have increase limits without hassle of asking as they can see how you manage your account

Company replied

Rated 5 out of 5 stars
Invited

On the few occasions I have had to contact Marbles, they have been exceptionally helpful and resolved the issue immediately. Well done!

Company replied

Rated 5 out of 5 stars
Invited

The app is so simple to navigate and aqua are easy to communicate with, there’s that many good things about aqua I could be here all day writing about them

Company replied

Rated 5 out of 5 stars
Invited

A credit card isn't for everyone however if you need something eg food shopping it can be a life saver if you don't have the funds. Its easy to use interest rates are low. Statements every month and... See more

Company replied

Rated 5 out of 5 stars
Invited

I had a bad cridit ratting but since I had the card and did wot they said my cridit rating as gone to number 5 which is the highest u can get and where I go for cridit get all the time

Company replied

Rated 5 out of 5 stars
Invited

I have had a card with marbles for a while now and never had any problems I find the app very easy to use and I'm able to keep an eye on what I'm spending

Company replied

Rated 5 out of 5 stars
Invited

Absolutely great card can pay off all at once or every week or month i would definitely recommend

Company replied

Rated 5 out of 5 stars
Invited

Very helpful in every aspect and offer advice when needed

Company replied

Rated 5 out of 5 stars
Invited

Its easy to navigate the site and also i like the way they remind you the date you have to pay, especally my situation that always on the go forgetful of the payment date sometimes.

Company replied

Rated 3 out of 5 stars
Invited

Aqua is ok as credit builder / starter credit card, however, its difficult to secure higher credit limits; which has forced me to look elsewhere…

Company replied

Rated 5 out of 5 stars
Invited

Decent credit card that if you use correctly can help you rebuild your credit score.

Company replied

Rated 5 out of 5 stars
Invited

Always there for me. Always give a 5 star.. but. Offer me chances to apply for a loan and when I apply I get refused.

Company replied

Rated 5 out of 5 stars
Invited

Amazing card company fantastic credit and brilliant staff thank you Aqua

Company replied

Rated 5 out of 5 stars
Invited

Really simple to use app, clearly laid out charges and cost. What’s not to like?

Company replied

Rated 5 out of 5 stars
Invited

Excellent credit card company always there for there customers

Company replied

Rated 5 out of 5 stars

I have had a card for a few years and never had an issue. However on Friday I noticed my card had several unauthorised transactions. I called their fraud line to report these and the service was exc... See more

Company replied

Rated 5 out of 5 stars
Invited

I love using my Aqua card especially when Im abroad, I never had any problem, very convenient and helpful. I have my card for 10 years now and I am very satisfied with the service. Thank you Aqua and... See more

Company replied

We perform checks on reviews


Company details

  1. Credit Counseling Service

Written by the company

At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit. We provide nearly 4 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience.


Contact info

4.2

Great

TrustScore 4 out of 5

11K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 93% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Invited

Very helpful in every aspect and offer…

Very helpful in every aspect and offer advice when needed

October 16, 2025
NewDay logo

Reply from NewDay

Hi Allen, We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Fantastic and very helpfull

I have never had a problem with aqua their customer service has always been spot on even when I have used a 3 party payment like PayPal I got a refund quite fast.plue its helped my credit score plus regular jumps in my credit allowance I personaly cannot fault them

October 16, 2025
NewDay logo

Reply from NewDay

Hi Karl, We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Great flexibility

Great flexibility , excellent service

October 16, 2025
NewDay logo

Reply from NewDay

Hi Lisa, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Marbles excels at everything they recommend and by far the best credit card I’ve had.

I’m a devoted Marbles credit card fan, what an excellent reliable company they have been over the years.
I’ve got now an excellent credit rating.
Changing details etc, or logging out of my account excellent Customer services. Truly marvellous and competent.
My advise, use the Booster payment plus any extra re paying monthly.
Direct debit, yes. Saves time, missed payments too.
Best credit card.
I’ve paid off all others, just have my marbles.
Also, my advise, use it sensibly.
I use it for books, some clothes. Also, it’s coming up for Christmas.
Don’t be tempted to over spend.
Often you buy impulsive goods. Think is my advise.
Choose Marbles. Brilliant.

October 16, 2025
NewDay logo

Reply from NewDay

Hi Rebecca, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Good support guide you through aqua…

Good support guide you through aqua coach give alerts solving problems or issue out immediate response

October 16, 2025
NewDay logo

Reply from NewDay

Hi Mohammed, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Best, Elan

Rated 5 out of 5 stars
Invited

I have this card more than 3 years and…

I have this card more than 3 years and I am very happy to use all the time when I need to book accommodation overseas.
I never had any problems on my holidays if I needed to buy anything.

October 16, 2025
NewDay logo

Reply from NewDay

Hi Magdolna, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Best, Elan

Rated 5 out of 5 stars
Invited

Excellent credit card company always…

Excellent credit card company always there for there customers

October 16, 2025
NewDay logo

Reply from NewDay

Hi John, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 5 out of 5 stars
Invited

Really simple to use app

Really simple to use app, clearly laid out charges and cost. What’s not to like?

October 16, 2025
NewDay logo

Reply from NewDay

Hi Jerry, we're happy to read that you are enjoying our app! Thank you for taking the time to leave us a positive review 😊 Thanks, Michelle.

Rated 1 out of 5 stars

John Lewis credit card now a pale…

John Lewis credit card now a pale immitation of what it was. Contact centre was AI loop hell, I wasted far too much of my life trying to unblock a card. Have now thrown away my JL card after 18 years...

October 16, 2025
Unprompted review
NewDay logo

Reply from NewDay

Hi Mr. Sawers, I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 175 9829 or via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you Best, Elan

Rated 5 out of 5 stars

Excellent customer service

I called this company a month ago as having not used my card in a long time my direct debit had not been reinstated! Anyway I spoke to two lovely ladies one called Carol and her manager called Sally I believe. They were absolutely excellent in helping me resolve my issue and are an asset in their department. I’m very grateful for the help they gave me. They both deserve a big shout out for their professionalism and empathy.

September 13, 2025
Unprompted review
NewDay logo

Reply from NewDay

Hi Rachel, We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 Best, Elan

Rated 1 out of 5 stars

Appalling customer experience

John Lewis Financial Services moved to this company and so did I. If I could give it 0 stars for customer services I would.

I upgraded my iPhone a couple of weeks ago and all my other accounts moved across seamlessly.

When I tried to shop on line the NewDay App did not work. This happened both with a new vendor and another I have used for 5 years. I called and was told that it was not a NewDay problem and I should call the vendor. I explained I had done so but no assistance was offered.

I called a couple of days later and this time I was told that NewDay had received the vendor’s request and not responded. I was told to remove the App. Hands up but age 76, with compromised eyesight and a new phone I failed while on the call. I was told to take a bus or taxi and go to the nearest Apple Store. I can drive but my nearest Apple Store is 36 miles away.

I did delete and reinstall the App soon after the call.

On Saturday I hosted a lunch for 45 people in a local pub. At 1714 I tried to pay the bill and my card was blocked due to suspected fraud. I was given a number to call but that didn’t operate from 1700 on Saturday until 0900 on Monday.

One of my guests saw that my card had been declined and offered to pay!! Fortunately I had another card.

I called on Monday to unblock the card and the call took 30 minutes. You cannot make a complaint on line - only by phone or by letter.

The chat is a bit rubbish and gave different opening times than the website. The Instagram link on the website is defunct.

The staff were polite and kind but are let down by appalling systems that are not fit for purpose.

I have destroyed my card and will stay with my other card providers. One is an online bank and the other a high street store whose credit card supplier is HSBC. They were both available on the phone the entire weekend. One of them is a phone call away 24/7. I only call them in an emergency. This time they answered my queries instantly. Thank you First Direct.

Goodbye NewDay you ruined my pre Diwali party and wasted my precious time.

October 11, 2025
Unprompted review
NewDay logo

Reply from NewDay

Good Afternoon,

Thanks for taking the time to reach out to us regarding this,

We work hard to give all our customers a great experience whenever they contact us or use our services. I’m sorry we didn’t manage that for you this time.

- Kenith

Rated 1 out of 5 stars

Morally wrong company promoting debt

I had a card with this company but I cancelled it and have email proof this was canceled BUT they are refusing to remove my account and credit limit, I explained I have worked really hard to get out of debt and dont want temptation and to this the lady replied "its christmas soon!!!" Anyway long story short they are sending emails and letters telling me what I have and what I can buy and they will not stop.

I have had to start a case with resolver to sue them and deal with the matter as its now crazy and they said my account was closed so they can't stop anything yet they still manage to email me with my name ect and sent letters to my old address the lady on the phone was practicing begging for my new address so they can continue trying to tempt me into using the card

EVEN SENDING ME A NEW CARD AFTER SOOO MANY CALLS ABOUT NOT WANTING IT AND BEEN TOLD I DONT HAVE AN ACCOUNT YET HERE IS A CARD.

this company love to push poor people into bad situations!

August 6, 2025
Unprompted review
Rated 1 out of 5 stars

John Lewis Financial Services moved its…

John Lewis Financial Services moved its credit card to NewDay. What was a great experience before NewDay is now a regular frustration. They inexplicitly decline txns and block my card despite me using second factor authentication to verify the txns and when you call them at the weekend you get a recorded msg telling you the office is closed. it's 2025! Utterly useless.

October 12, 2025
Unprompted review
NewDay logo

Reply from NewDay

Good Afternoon, Lee,

Thanks for taking the time to reach out to us regarding this,

We work hard to give all our customers a great experience whenever they contact us or use our services. I’m sorry we didn’t manage that for you this time.

- Kenith

Rated 5 out of 5 stars
Invited

I love using my Aqua card especially…

I love using my Aqua card especially when Im abroad, I never had any problem, very convenient and helpful. I have my card for 10 years now and I am very satisfied with the service. Thank you Aqua and keep up the good work🙏

October 9, 2025
NewDay logo

Reply from NewDay

Hi Sheila,

Thank you for taking the time to leave us a positive review. We're pleased to have you as our customer 😊

Best,

Stephanie.

Rated 5 out of 5 stars
Invited

Great company you can rely on

Great company you can rely on . Always there to give a helping hand to get you on the the right road ..They do not push credit increases on you it's entirely up to you if you want the increase or not . So if there's any one out there thinking of going for a credit card give aqua a try

October 9, 2025
NewDay logo

Reply from NewDay

Hello Tracy. Thank you for taking the time to leave us a positive review. We're pleased to have you as our customer 😊Best, Audrey

Rated 5 out of 5 stars

By far the best credit provider

By far the best credit provider, got two credit cards started with at £1200 limit, one year in and they both been increased, one is 3650 other £4500. Capital one are brutal pointless card company had them two years and still on £300. These also gave me £2,500 with AO and my credit score is poor.

October 11, 2025
Unprompted review
NewDay logo

Reply from NewDay

Thank you for leaving a review Paul. We're happy to hear that you've had a positive experience with us. Best, Audrey

Rated 1 out of 5 stars

Customer Services is detrimental to the service of their customers

Had addditional card cancelled due to fraud attempt.
New card arrived and activated.
2nd transaction declined and card frozen.
After tortuous contact with "customer service" card unfrozen.
Next attempt to use card declined, card frozen again.
Impossible to speak to anyone on "customer service"
Card remains frozen
We will cancel as it serves not purpose, much like their "customer service

October 9, 2025
Unprompted review
NewDay logo

Reply from NewDay

Good Afternoo,

I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above.

Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.

Please can you reach out to our Customer Service team on 0333 220 2532 or via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience. The team will have full access to your account and will be happy to help.

We hope to hear from you soon so that we can get this resolved for you.

- Kenith

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