Fluid complaint?

Do you have a dispute or a bad customer experience with Fluid? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

Call Fluid customer service on 0333 414 1090 for account questions and payments; the same number is the one to use for a lost or stolen card. Existing cardholders can also send a message through the Fluid online account manager, and the Fluid contact page, linked in the contact details above, lists separate lines for balance transfers and card activation. Have your card number and a recent statement ready.

Charge or interest on your statement you dispute? Start your complaint here as well, and we push it out to Fluid by email, social media and printed letters.

The Fluid credit card is provided by NewDay Ltd, a UK card lender based in London, which uses the Fluid name under licence from NewDay Cards Ltd. NewDay also runs the Aqua, marbles, Opus and Bip cards, and a complaint about a Fluid account goes to NewDay through the Fluid contact routes. Fluid's site says you cannot get a Fluid card if you already hold one, or if you took out an Aqua, marbles, Opus or Bip card in the past 6 months.

The Fluid 0% balance transfer applies to balances you move to the card within 60 days of opening the account, for a limited promotional period and with a transfer fee, according to Fluid's site; after that period the standard rate applies to whatever is left. Your summary box and credit agreement give the exact period and fee for your account, and they also say what rate applies to later transfers, to purchases and if a payment is missed.

Pay at least the minimum on time every month and keep each statement, because the dates decide which rate applied.

Interest charged on a balance you moved inside the window? Raise it through our complaint process: our trained AI opens a case for you and keeps coaching you on what to send Fluid and when to push again.

Yes: in the UK, the Financial Ombudsman Service settles disputes between consumers and financial businesses, and Fluid names it for complaints about a Fluid credit card account with NewDay Ltd. The Financial Ombudsman Service generally expects Fluid to have had the chance to put things right first, so keep a record of every call, message and statement.

Interest, charges or a limit decision you dispute? We help you write the complaint in minutes, with the dates and the statements set out clearly.

Nothing has been reported about Fluid here yet. Our research shows what typically goes wrong at balance transfer credit cards: interest charged on balances cardholders expected to be at 0%, transfer fees they did not see coming, transfers that are slow or refused, late payment charges, credit limit decisions, and statements that are hard to reconcile.

Paying interest on a balance you moved at 0%? Be the first to report it: your case opens the record for the next Fluid cardholder checking a statement against the offer.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Fluid through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Fluid can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.