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

lisyloo

how long does it take to get the card from applying?

A couple of weeks, so do it ASAP.
I believe I had to sign a form.

DragonQ

Yeah it takes a few weeks to get the card and PIN. You sign up online, then get something in the post that you have to sign and send back (including direct debit thingy if you choose that), then you get your PIN, then your card.

Happy_Shrimper

Drat! Exceeded my credit limit and got £12 fine! All due to fact my first full DD isn't due for another week.
Phoned to pay off excess, but guy didn't know about cashback when asked if it would be wiped out for exceeding.
Wouldn't normally exceed as only use for fuel, but as first DD date was about 6 weeks, slipped over.
Will this render the card useless for the year now in terms of cashback, or just wipe out what is earned so far?
Any ideas?
Just wonder if I should switch back to amex cashback now :-(
Does exceeding Credit limit also hit credit record????

DragonQ

No cashback for you.

Hooloovoo

I continue to be amazed at the number of people who are savvy enough to take out a cashback credit card, but are apparently unable to do as simple a task as keep track of how much they have spent.

lawstudent

Hooloovoo wrote: »

I continue to be amazed at the number of people who are savvy enough to take out a cashback credit card, but are apparently unable to do as simple a task as keep track of how much they have spent.

The only reason I haven't applied for this card is that Aqua gives such low credit limits. I sympathise with people in this situation because if you basically have to max out the card each month to get full cash back it must be difficult.

Hooloovoo

lawstudent wrote: »

The only reason I haven't applied for this card is that Aqua gives such low credit limits. I sympathise with people in this situation because if you basically have to max out the card each month to get full cash back it must be difficult.

But you don't. It's been covered many many times in this thread. There are many ways to pay. You don't even have to wait for a statement.

I mean, how hard is it to keep track of what you've spent? There's only you spending on the card, it's not like anything appears as a surprise.

lisyloo

I continue to be amazed at the number of people who are savvy enough to take out a cashback credit card, but are apparently unable to do as simple a task as keep track of how much they have spent.

I suggested direct debit for people who have difficulty and got called "patronising" for my suggetion.
Go figure.

lisyloo

because if you basically have to max out the card each month to get full cash back it must be difficult

It's not hard at all.
You can simply make interim payments whenever you like, it's very easy.

Gromitt

Happy_Shrimper wrote: »

Will this render the card useless for the year now in terms of cashback, or just wipe out what is earned so far?

It'll wipe out what is earned so far and be useless now until the card anniversary. It'll also be reported on your credit report that you exceeded your credit limit.

I pay my card off at the end of each week to prevent the balance getting too high and also means I automatically pay more than the minimum amount so hopefully never miss a payment (probably will now).