Overall, this is a strong credit card with generous credit limits, which makes it very useful for managing larger purchases and maintaining flexibility. However, the APR is on the higher side compared... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have found Aqua very helpful in guiding me towards better credit management. The rating calculator helps me clarify how small changes can make great changes for my personal credit rating. What I d... See more
Company replied
Excellent card and services very handy and app easy too use. Interest rates high however you can pay amounts you wish. Before date due .Excellent highly recommended.
Company replied
I love my Aqua Credit Card. It's pain free to apply and the customer service is faultless. I particularly like the fact that they don't just keep upping your credit limit, which can be tempting for so... See more
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Company details
- #145 of 165 best companies in Non-bank financial 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
7 Handyside, N1C 4DA, London, United Kingdom
- 020 7160 8800
- newday.co.uk
4.2
Great
11K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
They are rubbish
They are rubbish, work short hours, and openly support fraud by refusing to engage with secondary card holders
11 May 2026
Unprompted review
Reply from NewDay
Hi Cecy,
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. Please be assured that this feedback will be passed on to the relevant team. 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 at your next convenience. The team will have full access to your account and will be happy to put your mind at ease.
Kind regards,
Josh
Disappointing customer service
I'm very frustrated with the service I've received. I was called after 8 PM, which is an unreasonable AND unsociable hour. I had previously requested that calls not be made after 6 PM, but I was informed that calls are made until 9 PM. I don't care when your business is open; you shouldn't be making outbound calls so late. I have a recording of this conversation. If I receive another late call and my request hasn't been updated in your system, I will continue to make late payments.
11 May 2026
Unprompted review
Reply from NewDay
Hi FR,
Thank you for taking the time to leave us feedback. I'm sorry that you've not had the best experience with us. I can assure you that we're a company that prides ourselves on a high level of professional service. I apologise that this hasn’t been your experience on this occasion. Please be assured that this feedback will be passed on to the relevant team for further review.
Kind regards,
Josh
The New Argos pay day I nightmare trying to Register.
The New Argos pay day I'm having a lot of problems trying to Register they keep sending different numbers on ,once my account is cleared, that's me finished with this company, I wouldn't recommend any one to sign up to this company when it was the old argos I didn't have any problems please keep Clear of this company.
26 April 2026
Unprompted review
Reply from NewDay
Hello Kathleen. We’re sorry you’re experiencing issues receiving your ORN. Due to the high volume of online registrations, we have phased sending ORNs to customers between 27th and 28th April. We are aware that some customers have experienced a delay, but rest assured your ORN is on its way. Thank you for your patience. We value all feedback and are continuously working to improve our products and services. Please get in touch with NewDay’s dedicated team on 0333 240 8002, and they’ll be happy to discuss any concerns. The opening times are Monday to Friday 9am to 6pm, Saturday 9am to 4pm, Sunday – closed. Kind regards, Audrey
The Argos Pay app is nothing short of…
The Argos Pay app is nothing short of an app that seems to have been "cribbed" together to get the platform going for those moving from Argos Card after they "sold out" to NewDay. Go onto the help page select "complaints" click on it and all you get is a page saying how do I complain and nothing else, no complaints procedures detailed on app. Navigation is diabolical, select account settings and there is no way back to the home page, a monkey could have written a better app. Having read some of the complaints on Trustpilot with issues about how they are complicating people's accounts, especially regarding BNPL plans, which can't be edited to name them usefully for easier use like the old app did and confusing payment details, I wonder how long it will be before someone takes them to the FCA.
Also how does one use it if you want to go to Argos and use it in store, there seems to be no way, that I can find to do so, no physical card no virtual card that can be scanned in store. No doubt NewDay will reply with some box standard script response, time to stand up against such organisations and be counted.
So NewDay says they sent me PM, respond to my complaint, can find it snywhere, so NewDay replied asking for personal information on this platform not acceptable complaint still stands
10 May 2026
Unprompted review
Reply from NewDay
Hello Kevin,
I’m very sorry to read that you have not had the experience you expected with us, I appreciate the time you’ve taken to write the above. I’d like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. I can assure you that we're a company that prides ourselves on a high level of compassionate and professional service, and I sincerely apologise that this has not been your experience.
Take care,
Claire
Disgusting complany indeed.
Disgusting complany indeed.
This company 'took over' the previius Argos card payment system and replaced it with Argos pay via the their app.
The app is a nightmare for sure. They assume everybody has a banking app they can pay on, well I dont, nor do I want to use a banking app, especially just to use for the NewDay phone app.
I have written complaints to this compamy, so far they have evaded direct attention to my complaints, instead just replying to my complaints by sending an email which offers suggestions on how to pay via their app.
Its not possible to pay by direct debit like to previous Argos card where paymnts were preety simple and effective, unlike to new Argos pay app.
They offer a phone line payment solution, but try getting through to pay, its always a long wait, too long in fact.
These difficulties may put some customers into delayed payments therefore attracting an account interest payment on top of their 'intrest free' payment schedules.
Overall, I find this company a shambolic and dysfunctional mess, very customer service evading too.
Well, my days of spending with Argos are at an absolute end thanks to this NewDay compay.
8 May 2026
Unprompted review
Reply from NewDay
Hello David, thank you for sharing your review. I’m sorry to hear you’ve had difficulty with this. We value all feedback and are continuously working to improve our products and services. I'm sorry you’re having issues getting through to customer support teams, too. Please be assured that we have added significant additional resource to help the high volume of customers registering. Thank you for your patience. Please get in touch with NewDay’s dedicated team on 0333 240 8002, and they’ll be happy to discuss any concerns. The opening times are Monday to Friday 9am to 6pm, Saturday 9am to 4pm, Sunday – closed. Kind regards, Audrey
Reply from NewDay
Hello Richard, We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊. We hope you continue to enjoy our services. Best, Audrey
Excellent customer service
Great customer service, very helpful, and knowledgeable.
Card app is easy to install and use.
I would recommend.
7 May 2026
Reply from NewDay
Good Afternoon,
Thanks for taking the time to share your review, we're thrilled to hear everything's going so smoothly for you!
- Kenith
very satisfied
7 May 2026
Reply from NewDay
Hi Elena, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Interest free transfers
Never got interest free transfers for other cards when I owed a bit of money on card but as soon as I paid it off never stop asking. You need to help people who owe a lot of money to help them save money.
7 May 2026
Reply from NewDay
Hi Peter, 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. best, Elan
Reply from NewDay
Hi there, Thank you so much for the lovely review! We're glad to learn that we were able to help you. Keep up the good work 😊 best, Elan
The only card that i use,
The only card that i use,
Ideal for large purchases
Competitive interest rates..
7 May 2026
Reply from NewDay
Hi there, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Reply from NewDay
Hi there, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
I have been very happy with the service…
I have been very happy with the service I have received from the very beginning.thank you verymuch.
7 May 2026
Reply from NewDay
Hi Chris, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
I am using a card good but credit limit…
I am using a card good but credit limit not increasing just ok
7 May 2026
Reply from NewDay
Hi Drakshayani, I am very sorry to read that you're dissatisfied with the introductory credit limit on your account. All credit limits are subject to status, and the limit offered will depend on the information received within the application form and during a credit check. Unfortunately, we may not always be able to provide a customer’s preferred limit, however, please be assured that we regularly review our accounts to see if we can offer credit limit increases.
You can review your limit increase preferences online by signing in and going to Account Settings > Credit Limit Preferences. You can also check for any limit increase offers at any time by going to My Card > Credit Limit Increases.
If you wish to discuss this further, then please get in touch with us via our app by going to:
More > Help & Support > Contact Us > Contact Details. best, Elan
Reply from NewDay
Hi Damon, We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊 Best, Elan
Reply from NewDay
Hi Robert, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Reply from NewDay
Hi Reza, We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊 Best, Elan
Very good easy to deal with and a very…
Very good easy to deal with and a very handy Card to have
7 May 2026
Reply from NewDay
Hi Christopher, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
I cant spread my shopping
My app doesnt working. And I spoke with chat. But, it doesnt resolve. I cant spread the shopping.
7 May 2026
Reply from NewDay
Hi Nayara, 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 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. Thanks, Michelle.
Reply from NewDay
Hi Tracy, thank you so much for the lovely review! We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊 Thanks, Michelle.
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