About us

Finding a credit card for bad credit

We understand that life has its ups and downs, and that getting it right every time isn't easy.

We think that many hard-working people with a poor credit history deserve the convenience and freedom of a credit card, and that getting rejected by other credit card companies for bad credit can feel unfair.

While we're no longer accepting new opus applications, you may want to consider Aqua as the smart way to build your credit score - giving you the power to move forward.

Bad credit? Aqua could help

Aqua knows a thing or two about helping those with bad credit and looks at your circumstances a little more closely than other card providers. If you have a poor credit history, they'll do their best to say yes, responsibly.

So, if you don't earn as much, your income isn't always regular, or you're moving on from a bump in the road with your credit score, Aqua may be able to offer you the help you need when you need it - whether it's credit building tools or expertise to keep you moving from one day to the next.

Plus, you'll have access to free credit score updates in the Aqua app, and when you manage your finances well, you could build your credit score over time.

34.9% APR

Representative (variable) for Aqua Classic

Don't forget

Don't forget

Failure to make payments on time or to stay within your credit limit means that you'll pay additional charges, and may make it more expensive and difficult to get credit in the future.

Why are you suggesting Aqua?

We're no longer accepting new applications for an opus credit card, but we encourage customers to look at joining the thousands of people improving their credit score with Aqua.

What's the relationship between opus and Aqua?

opus and Aqua are both provided by NewDay Ltd, one of the UK's largest providers of consumer finance.

Who provides our credit at Aqua?

As with opus, NewDay Ltd is the credit provider. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies.

Where are they based?

The registered office for these companies is 7 Handyside Street, London N1C 4DA.