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

Gromitt

Clapham_Omnibus wrote: »

Yes I got one too, no idea what is going on and the date I am due to receive my cheque keeps moving. If they offered a 10% cashback in future I would not even bother to apply.:mad:

Why, is the fact they keep moving the date of the cheque causing you financial difficulties?

Herbalus

So much for all the talk about cashback not counting as payment. Balance of £26 due on 5th March, cashback of £99 credited a few days ago, and the minimum payment on my online account is now showing as £0.

lisyloo

So much for all the talk about cashback not counting as payment.

I had a debit balance of £100 (deliberately) and statement on 17th Feb.
I was credited on 21st Feb with £100.

I actually called because of the quote above.
The person I spoke to was most confused as to why I might want to make payment.
Anyway I got her name, date and time (so that recording could potentially be checked) and she confirmed I don't need to make a payment.
My account also shows £0 minimum payment.

So it's all worked out fine in the end.

Aquamania

I think one positive thing we can glean from this discussion is to take anything an Aqua says on the phone with a pinch of salt.

I didn't think a cashback could be used to pay the account's minimum payment ... at least that is what the written terms & conditions I agreed to state.

lisyloo

is to take anything an Aqua says on the phone with a pinch of salt.

If the do try to charge me or put a marker on my credit file then I will ask for the recording (because I have date & time).
I am relatvely confident that the Ombudsman would uphold my case for not paying a minimum when there is ZERO balance AND I spoke to someone and can back it up with name, data and time (and possibly a recorded conversation).

What you have said above may be correct when there is a balance.

Out of interest do you have the said text? I'm just wondering if there is anything that refers to a debit balance (which I don't have).

It would be a bit crazy to make a payment when you don't owe any money and the card is closed.

Aquamania

lisyloo wrote: »

Out of interest do you have the said text? I'm just wondering if there is anything that refers to a debit balance (which I don't have).

Refer to term 11.3

lisyloo

Thanks for the info :-)

As there's zero balance and currently no mimumum paymen then I'm happy with the situation.
I think you are right to take what they say with a pinch of salt, so I'm making my own conscious decision.
I don't believe the ombudsman would uphold any term that forces someone to make a payment when they don't owe any money. Just because a company writes something doesn't make it legal or enforceable.

Out of interest if you were in my situation - zero balance, closed card, zero minimum payment showing - would you make a payment because of term 11.3?

sg2013

I didn't renew my card but now need to cancel a purchase (a game pre-order) made before 24 Janueary. What happens when the money is refunded to the card? Is it sent to me in a cheque? I have already fully paid off the balance and am awaiting my cashback cheque.

Any help appreciated. Thanks.

lisyloo

I would hope they send you a cheque (maybe one).
However if you don't have it in a couple of weeks then I'd give then a call.
They have been shown to be a very badly organised shambles.

Aquamania

lisyloo wrote: »

...
Out of interest if you were in my situation - zero balance, closed card, zero minimum payment showing - would you make a payment because of term 11.3?

I would endeavour to abide by the terms & conditions I agreed to when I entered into the agreement (and as subsequently amended)

Especially when there is £100+ at risk