Aqua Reward Credit Card - 3% cashback up to £100/year

Gromitt

To be honest, they also told me about this DD policy when I asked them to setup a DD on the account.

Other cards also do the same thing, I know my MBNA card does.

Once the statement is printed stating the DD collection amount, the only way of stopping the DD is by contacting them. Personally, I don't care if my account goes into credit as I'll be using the card the next month anyway, so the funds will be used up.

dominiquereynolds

Total cashback earned since August £96.06

Nearly time to stop using it :beer:

Dan8484

I've had this account for 6 months now and want to request a credit limit increase. It's currently £250 and I'd like it to be as high as possible (I'm aware the upper end is £1200 on these cards). I've payed of the amount in full every month and my monthly income has recently increased. If I ask for a large increase, say up to £1000, and they refuse it will I be offered an increase of a lower amount or do I run the risk of being flat-out refused an increase? Am I best to ask for a more modest credit limit increase of say £500 or should I just ask for a higher amount and see what happens?

derrick

Dan8484 wrote: »

I've had this account for 6 months now and want to request a credit limit increase. It's currently £250 and I'd like it to be as high as possible (I'm aware the upper end is £1200 on these cards). I've payed of the amount in full every month and my monthly income has recently increased. If I ask for a large increase, say up to £1000, and they refuse it will I be offered an increase of a lower amount or do I run the risk of being flat-out refused an increase? Am I best to ask for a more modest credit limit increase of say £500 or should I just ask for a higher amount and see what happens?

Some people on this thread have reported the maximum offered was £1600.
You can request an increase after 6 months, and people on this thread have been offered increases, myself included, after less than 6 months, so ask, you have nothing to lose.


.

aleph_0

Dan8484 wrote: »

I've had this account for 6 months now and want to request a credit limit increase. It's currently £250 and I'd like it to be as high as possible (I'm aware the upper end is £1200 on these cards). I've payed of the amount in full every month and my monthly income has recently increased. If I ask for a large increase, say up to £1000, and they refuse it will I be offered an increase of a lower amount or do I run the risk of being flat-out refused an increase? Am I best to ask for a more modest credit limit increase of say £500 or should I just ask for a higher amount and see what happens?

I had a £250 limit, requested £600 after 6 months, and was given £350.

I don't know whether the amount you ask for affects the decision, but I expect it's more likely that the just press a magic button, and the computer calculates how much they're prepared to give.

Atidi

Dan8484 wrote: »

I've had this account for 6 months now and want to request a credit limit increase. It's currently £250 and I'd like it to be as high as possible (I'm aware the upper end is £1200 on these cards). I've payed of the amount in full every month and my monthly income has recently increased. If I ask for a large increase, say up to £1000, and they refuse it will I be offered an increase of a lower amount or do I run the risk of being flat-out refused an increase? Am I best to ask for a more modest credit limit increase of say £500 or should I just ask for a higher amount and see what happens?

Have you not been given an automatic credit limit increase?
Others seem to have - it might be worth waiting to see what they give you.

I don't thgink there is any 'upper limit' as such. Their website suggests an initial limit of £250 - £1600 (although I don't see anyone here having got offered anything other than £250 or £500 initially depending on status)

I think £1200 is just a figure they use on their website to calculate the APR that applies

Dan8484

Thanks to people's replies regarding increasing the credit limit. Unfortunately I've checked my balance today and hit a snag. When I checked my "amount available" last night I had about £45 left, so I made a purchase of £30. Unfortunately, A debit from a payment I made for petrol a couple of days ago wasn't showing at the time, which I'd forgotten about, but now it's showing up and as a result I've exceeded the credit limit:(. This is incredibly annoying and as I understand it not only will I lose all the cashback I've earnt, but I'll be charged £12 for going over the limit. Do I have a leg to stand on here? It's annoying because I made a point of checking that I had enough credit left and my account at the time showed that I did, but by the rules I've broken the terms and conditions due to this payment from a couple of days ago only just showing up. Does anyone have any advice? Thanks in advance.

aleph_0

Dan8484 wrote: »

Thanks to people's replies regarding increasing the credit limit. Unfortunately I've checked my balance today and hit a snag. When I checked my "amount available" last night I had about £45 left, so I made a purchase of £30. Unfortunately, A debit from a payment I made for petrol a couple of days ago wasn't showing at the time, which I'd forgotten about, but now it's showing up and as a result I've exceeded the credit limit:(. This is incredibly annoying and as I understand it not only will I lose all the cashback I've earnt, but I'll be charged £12 for going over the limit. Do I have a leg to stand on here? It's annoying because I made a point of checking that I had enough credit left and my account at the time showed that I did, but by the rules I've broken the terms and conditions due to this payment from a couple of days ago only just showing up. Does anyone have any advice? Thanks in advance.

Do a faster payment to bring yourself under the limit.

Then call aqua, apologise, and ask if they will waiver the charge/let you keep your cashback. Others have reported success when they've rung and asked nicely.

omiszon1984

dominiquereynolds wrote: »

Total cashback earned since August £96.06

Nearly time to stop using it :beer:

I've got £96.05 :-)
I have to wait for the second Aqua Card to arrive.

bsms1147

How do we find out how much cashback we've earnt?