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Aqua credit cards have been available since early 2002. This is the core brand of what was SAV Credit (now NewDay). They now serve more than 5 million customers across their 4 in-house brands and affinity partnerships. The key development for partnerships came from Santander in 2013 when they acquired a cluster of Arcadia Group assets including Dorothy Perkins, Evans, Miss Selfridge, Topshop etc. Debenhams, House of Fraser and Laura Ashley were also part of the deal. NewDay’s Amazon partnership is certainly notable and they’ve recently secured Argos who had previously used Vanquis Bank. Aqua’s profile has continually grown. They’ve said yes to more than 1 million to date.

Aqua’s range has recently been streamlined. They had offered 4 varied products, but have now removed Reward (cashback) and Start (basic). Advance is the star of the show carrying a variable range of 34.9% to 59.9%. Assuming that your account is managed well, you could however enjoy a 5% reduction each year across 3. This could potentially lead to a competitive 19.9% APR. Classic is the most commonly used, but lacks any feature and is slightly more expensive. Both Mastercards come loaded with £250 to £1200 with no set future limit. Qualification is open to most so long as there hasn’t been a CCJ within the past 12 months.

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America’s Capital One was originally formed in 1994 when Signet Financial spun off their credit card division. For a short time they used the OakStone Financial name, but this changed at the end of the year. Canada and the UK have been served since 1996. In their home country they are a top 5 issuer of cards and command a sizeable branch network. They have some 65 million customer accounts. The recent 100 million+ data breach includes tallies of those who also made applications. Locally they’ve made their name in subprime lending through their Classic card. They’ve also excelled through affinity partnerships with 6 current partners. Only Thimbl has ceased.

All partners use the same login (myaccount.capitalone.co.uk) and so this will inflate their Alexa performance to some extent. This lender references variable APR, yet only ever shows a fixed rate. Variable may be shown as they have historically offered promotional exclusives on comparison sites. Capital’s Classic notes 4 million accepted. This has a £200 to £1500 starting range with no upper future limit. Increases are possible every 6 months. Their Balance Transfer card has a purchase rate of 24.93% (0% for 3 months) and 24 months for transfers (2.9% fee). You’ll need an excellent score. For Classic, some borrowing history is essential as well as being electoral roll listed.

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Aquis Bank was formed in 2002, but after just 2 months the Vanquis Bank identity was taken on and they would later issue their first card in May 2003. Step forward to today and they have now accepted 4 million applications maintaining an active user base of around 1.7 million. The core brand is in focus, but there are others noting Aquis, Chrome and Origin. Both Neo and Original have closed. Past affinity partnerships have also ceased noting Argos (now with NewDay) and Granite. This Visa card (Classic) is pitched at 39.9% (variable to 69.9%) and carries a starting limit ranging between £150 and £1000, potentially leading to £4000.

Limits are reviewed every 5 months. Various info and verification is required to access the EVanquis login at www.evanquis.com and so their app is more ideal to use. This lender is perhaps the best chance of approval with very poor credit. If your score is decent enough then it would be worth applying at Chrome where they pitch a competitive 29.5%. One key reason to trust this provider is that they are controlled by the most experienced player in subprime lending – Provident’s roots head back to 1880. They have clearly lost market share in recent years. This is more so to do with the rise of NewDay (known for Aqua).