What is NewDay Ltd?
NewDay Ltd is a UK-based consumer credit company that issues credit cards on behalf of major retail and financial brands. NewDay manages credit card programmes for partners including Amazon, Argos, House of Fraser, Debenhams (legacy), and its own branded cards such as Aqua, Marbles, Fluid, and Pulse. If you see NewDay Ltd on your bank statement, it relates to a payment to or from a credit card managed by NewDay.
Which companies use NewDay Ltd for their credit cards?
NewDay manages credit card programmes for a significant number of UK retailers and brands. Its white-label cards include Amazon Platinum Mastercard, Argos Card, and former Debenhams card (now closed). Its own-brand cards — Aqua, Marbles, Fluid, and Pulse — are targeted at consumers rebuilding credit. NewDay is one of the UK’s largest credit card issuers by number of accounts.
Does NewDay use open banking for credit decisions?
NewDay has increasingly incorporated open banking into its credit decision-making process. As an FCA-regulated credit provider, it can use AISP-connected bank transaction data — with applicant consent — to supplement traditional credit scoring with real-time affordability data. This is particularly relevant for its subprime-focused cards (Aqua, Marbles), where applicants may have thin credit files that benefit from open banking-enhanced affordability assessment.
Open Banking in Practice: NewDay Ltd is authorised and regulated by the FCA for consumer credit activities. It is not a bank — it is a specialist credit card issuer. Disputes about NewDay credit card charges should be directed to NewDay’s customer services, and unresolved complaints can be referred to the Financial Ombudsman Service. Read more about credit cards and open banking on openfuture.world.
FAQ
How do I contact NewDay about a payment or statement?
Contact NewDay through the specific card’s customer service number, which is printed on the back of your card or in your card agreement documentation.
Is NewDay Ltd the same as Debenhams credit card?
NewDay issued the former Debenhams credit card; the Debenhams retail business closed in 2021 and the associated credit card programme was also wound down.
Which bank provides NewDay credit cards?
NewDay issues cards on the Mastercard and Visa networks; it acts as the credit provider itself rather than being backed by a specific high-street bank.