aqua card any good

staceben1

hi there, i have just applied for an aqua cashback reward card, i have 2 credit cards one with capital one and one with barclaycard, it has not given and immediate decision and when i rang they said it would be looked at by the underwriters, my credit score is 972 has anyone had this declined?

Tixy

There are lots of people who have applied for a card with aqua and been declined after it has gone to the undewriters.

And there are some who have been accepted after it has gone to the underwriters.

Comparing your score to someone else and seeing if they have been accepted or declined won't help you assess whether you will be accepted. The underwriters decision is based on your financial circumstances, information on your applications form as well as your credit history.

staceben1

ahhh i see, ive have a good record of payments and all my accounts have never been in default, i am only applying as credit expert said im being refused for credit due to not having enough credit lol, cheers for the info.

staceben1

got my decision today and have been accepted.

King_Weasel

Got mine with a ridiculously low £500 credit limit. My wife applied later and got a £1600 limit! Usually I get a higher limit when we both have the same card but as Aqua's 3% cashback I've forgiven her.

Better_Off_1983

Is the APR now 45.9% or something?

Gromitt

Better_Off_1983 wrote: »

Is the APR now 45.9% or something?

34.9% for the reward card, not that it matters.