If an adverse credit history has prevented you from buying goods online or if you’ve ever failed a credit card application, there are steps you can take to rebuild your credit rating in as little as six months. An aqua credit card, specifically designed for those who’ve struggled to get credit in the past, will give you access to credit while helping to repair your credit profile.

It’s important to have a good credit rating for many reasons. Your credit rating can determine whether you’re successful in applying for a loan, mortgage or credit card. If you have late payments or defaults on your record it’ll mean you may find it difficult to obtain credit in the future.

Some people may not have a credit rating at all. The Guardian recently reported that an estimated seven million 'credit virgins' were struggling to build credit histories. Parents would frequently take out credit or pay essential bills on their adult children's behalf. Ironically, this made it more difficult for the offspring to secure credit, including personal loans and mortgages, later in life.

However, just because you have a bad credit rating now doesn’t mean that you’ll never be able to get credit. The more you can access and use credit, in a sensible manner, the quicker your credit rating will be restored.

aqua was launched in 2002 and they have helped over 300,000 customers. Whereas mainstream credit card providers won’t accept people with unconventional credit histories – such as those that are self-employed or those with no credit history at all – aqua offer many people the chance to improve their credit rating.

Specialising in credit cards for bad credit, aqua have two types of credit card available: the aqua Classic card and the aqua Advance card. The Classic is a credit card with an initial credit limit of between £250 up to £1,600 with an interest rate of 32.9%. The Advance card rewards the cardholder for managing their finances sensibly. You’ll start by paying 34.9% APR, but you’ll get the chance to reduce the rate over three years by 5% if all payments are made on time. Representative 34.9% APR (variable).

The easiest way to apply for an aqua card is via their website. If approved, your credit card and PIN number will be posted to you within 14 days. The company has a UK-based, customer helpline and offers flexible payment dates.

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