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Reviewed June 12, 2023
As with many others I received the "Pre-approved" offer that actually wasn't, but got a card after the full three week process. Nice limit but apr was high and then here come the monthly user fees. All in the agreement, so no big. What really punctures my water wings is how they will randomly decline a sale for "account security reasons" with plenty of credit available. Don't count on this card for anything important. Good thing I have two Capital One cards with lower rates, one with no annual fee and rewards to keep me from getting all stabby.
Reviewed June 2, 2023
I thought something felt off and scammy about this company. It doesn't matter how much I pay off my credit card. The fees basically wipe out what was paid. Even paying well over the minimum amount. I've been late maybe once or twice and even pay the late fees. For some reason, I can't even seem to get below the $1,500 on the card. This credit card company really needs to be investigated. I will be a part of any lawsuit that this company has against them.
Reviewed May 19, 2023
Very shady company. I have yet to speak to someone without an accent. Everyone talks fast to try and confuse you. Despite making a payment to my credit card and it placing my account more positive than the credit limit, they still refuse to unblock my card for me to use. They are very annoying, and not worth the headache. Better off getting a secured card and letting these people file bankruptcy. They are awful. I can honestly say I dislike everything about this company.
Reviewed May 19, 2023
Constant run around from company. Poor communication. Poor security. After my account was hacked I closed it and was billed for a service fee. They mailed me a fraud affidavit and it only had a partial amount of the actual fraud. This is after a police report, and I believed was settled.
Reviewed May 17, 2023
In February of this year I noticed for fraudulent charges on my account. I contacted them and filled out the paperwork for the fraudulent charges I got back papers stating that I was the one that made those charges, but I did not make those charges. So I contacted the contacted the merchants of those charges and was told by them that because they were fraudulent charges the funds that were charged to my account were sent back to my account and the account from them were closed. So I contacted Aspire again to find out why the charges were still on my account and was told that the funds were not refunded to my account because it's not stated in my statements.
So I asked them if the merchant has credited my account the phones that they took in the first place because they were fraudulent who I needed to contact to find out who's lying or what's going on they gave me no answer. But did tell me that if I did not pay those that it would reflect on my account and on my credit score as an unpaid debt even though the merchant submitted the payment back to my account.
They told me that if I did not pay those fraudulent charges that they were going to close my account and it would reflect on my credit score which is not right they've already been credited back all the funds that were fraudulently charged but did not apply them to my account and can't tell me why they were not because the merchant even gave the exact date that they were credited to my account and I don't know who to contact about this but they need to be sued for this. I'm working on bettering my credit score not hindering and degrading my score this is totally unfair and something honestly needs to be done!!!
Reviewed May 15, 2023
I was late paying but I was about to pay it off. I didn't know they closed it and they also said I went over the limit on the card. These guys didn't give me a chance to pay my account off. They also keep the account open so they keep charging me over the limit.
Reviewed March 31, 2023
This card is ridiculous. I haven’t used this card but my payment goes up every month. I contacted them and they gave me line of ** as to why. There should be something done to this company because of the ridiculous fees they charge and looked into as to why when a card isn't used why does the payment and balances go up! How can someone get ahead if these idiots keep taking advantage of people!
Reviewed March 26, 2023
They had a civil suit back in 2008 a new suit needs to be filed. They add an unauthorized credit protection fee based on your balance monthly, on top of account maintenance fee they recently added as of 3-26-23 after the fact. They tell you they will close your account if you don't agree to it, which affects your credit closing an account. They truly need be investigated. I was receiving 25-30 a month in fees on top of interest. They are charging interest on account maintenance fees which they don't initially disclose and apparently can change their terms and conditions on a whim. Avoid these scammers.
Reviewed Feb. 16, 2023
I love using my Aspire card, but I called Aspire customer service on January 31, 2023, requesting a zero balance letter. I was told it would be mailed and I should receive it within 7-10 business days. I waited until February 9th to inquire about the status and I was informed to wait until February 13th and, if I did not receive it by then, give them a call back on February 15th. I called on February 15th and the rep told me that they saw the request for the letter and apologized that it has not arrived. He said that he could email me the letter.
Why didn't I get the opportunity when I first called on January 31st? Once he confirmed my email address, the rep informed me that it will take 3-5 business days. Now mind you, if I wait until this time frame, I would have waited almost 20 business days which I believe is not good. I requested to get it earlier but the rep kept telling me "sorry for the inconvenience". I think that is terrible customer service and not my fault but I believe Aspire should be made every effort to get my zero balance letter sent out immediately so as to not wait any longer.
Reviewed Feb. 10, 2023
I got the Aspire credit card in March of last year and never used it but every month they took anywhere between $20-$30 so I canceled it in May. Now it being almost a year later, I just got an alert on my phone that they took out $32.25. I thought I was done with them taking my money?!
Reviewed Dec. 31, 2022
The Aspire Credit card is a scam. I applied for it in March of 2022, got approved for $1500. However, I never received the credit card, even though I was invoiced for "usage" fees. I called customer service on a monthly basis informing them that I never received my credit card, and I was being invoiced for "usage" fees. They guaranteed that they would send a replacement card within 10 business days, and not to worry about the late fees. However, every month I was being invoiced for fees and I kept paying the minimum due. I finally gave up and called them in the fall of 2022, to cancel my card. They apologized and informed me that they would cancel the card and any fees. This December, I received a letter of collection for $160.10 for past due fees. Stay away from this company!
Reviewed Dec. 21, 2022
I have had the company turn a $35 payment into a $1000 payment on several occasions. I don't know how $35 goes to $1000 but ok. I have had to cancel more than one of these kinds of payments and this month I have to worry about my rent check bouncing. This is honestly the worst credit card company I have ever dealt with.
Reviewed Dec. 14, 2022
I have an Aspire card. I make at least 3 payments a month. I don't use it that often. But my credit available gets smaller and smaller. I believe it's a foreign company. Good luck seeing your statements, they are tiny and eligible. The only thing I can do is pay it off. It's making me very nervous. I would not recommend this card to anyone, there is no transparency. Robots and crazy customer service. Once you get this card, you are basically screwed, trust me.
Reviewed Dec. 11, 2022
Aspire card is the worst card you can get. I have had my card for three years and have only got $150.00 on increase. Have called and went online to ask why. The only explanation I get back is telling me that I have no promotions. For three years no promotions is ridiculous. I have made every payment on time and more. They keep telling me I need to purchase more. This card is a joke. This card isn't worth rebuilding your credit. It's all about money to them. The representatives are very rude too.
Reviewed Dec. 8, 2022
I had used this card only once and when I did the merchant accidentally processed my payment twice which went over my credit limit on the card. The merchant within 24 hours returned the funds BUT Aspire still charged me over limit fee AND canceled my card!!! So now it has affected my credit!!! Worst card service ever!!!!
Reviewed Dec. 4, 2022
I was told my card would take 10-14 business days to arrive. I never arrived so I contacted support and each time the support agent would say it hasn't been 14 business days. I know how to count and I know what a business day is. Anyways, they keep saying to wait two more days and then contact support for a new card. Same thing again the next time I contacted support. Now I have to wait another 10-14 days (if it ever arrives).
Reviewed Nov. 18, 2022
For anyone reading this if you get a card from Aspire credit card throw it away immediately. I had a credit line of 600$, thought I would’ve used the card for hard times, but the card never actually worked but I got charged just for having an open account despite the fact I could never use the card in the first place. Called them multiple times... eventually, they called me saying I owe them when I never spent $1, they are a scam!! They are going to ruin my credit for nothing.
Reviewed Nov. 9, 2022
Worst credit card ever. Biggest scam!!! Avoid at all cost! They take $99 as soon as you open the account! Even if you haven’t activated the card this is the biggest scam! Worst card ever. Do not use them. You have been warned!
Reviewed Oct. 20, 2022
Aspire credit cards refuses to unsubscribe me from their advertising emails. I receive at least two or more emails every day from them. Their unsubscribe site doesn't work. Their unsubscribe mailing addresses are bogus (addresses don't exist). I have already wasted my time calling their customer service. They keep telling me to email my complaint which I did many times. They refuse to respond to any of my emails. In my opinion they don't deserve any stars.
Reviewed Sept. 2, 2022
I’ve made 2 payments - one by mistake & was returned by my bank. The first full payment was made over 3 weeks ago. Called to find out why my card was locked - told to wait 10 days. Called again & was told to make the returned payment again & card would be unlocked. Called again & was told had to wait another 10 days. Called again & was told I had to wait 19 days. All agents were very rude. Final call again today. I was told to wait until 9/14 when the 10 days would be up…
Reviewed July 28, 2022
Last night I received an email informing me my card had been permanently closed "due to inactivity". I logged in online and saw it still open/active, so I tried to call and chat online, but no one answered. Today I was able to talk with someone who informed me that since there was no activity in the last 90 days my card was cancelled. I have NEVER heard of any card with this rule, and no warning, no heads up, just...closed out. I had been making payments within the last 90 days but evidently that doesn't count - Very poor business practice in my book, and I would not recommend Aspire Visa to anyone. Same exact scenario happen to me. Paying on time doesn’t count as well as having a zero balance. They are idiots and a bad company to get a credit card company from.
Reviewed July 28, 2022
My account was closed on 07/27/2022 for non-activity. I used my card to make an online purchase on 07/26/2022 and on 02/22/2022 prior to that. No letter was sent stating my account was in danger of being closed (like the reputable cards do). When I reached out to customer service as to why my account was closed the response was "per the terms of your account we can close it at any time for any reason". I was never late and I also never paid a penny of interest on this account as I paid it in full every time I did use it. I got this card after I filed my bankruptcy (due to medical bills from cancer treatment) and I was thankful for that, but there are many other unsecured cards out there that will still give you a new account with a decent limit and no fees after bankruptcy. I have never had an account closed on me with no forewarning. Stay as far away from this card as you can! It is not worth it if you are trying to rebuild your credit!
Reviewed July 28, 2022
Yesterday I received a notification my account was closed due to inactivity. You are damned if you do and damned if you don't with Aspire. No notifications of potential cancellation. No warning at all.
Now my credit scores will suffer, and the reason for getting the Aspire Visa was to avoid such damage. I cannot imagine what they must do to clients that do not pay their bills. Communications with this company suck. DO NOT waste your time thinking they can help. They are liars and are untrustworthy, and do not deserve your loyalty. AVOID Aspire Visa!!
Reviewed July 28, 2022
Last night I received an email informing me my card had been permanently closed "due to inactivity". I logged in online and saw it still open/active, so I tried to call and chat online, but no one answered. Today I was able to talk with someone who informed me that since there was no activity in the last 90 days my card was cancelled. I have NEVER heard of any card with this rule, and no warning, no heads up, just... closed out. I had been making payments within the last 90 days but evidently that doesn't count - you need to make PURCHASES I was told, and my last purchase was 98 days ago. Very poor business practice in my book, and I would not recommend Aspire Visa to anyone.
Reviewed July 27, 2022
Never missed a payment, never late with a payment, annual fee typically paid 30 days in advance. Today I receive an email that my account was closed for non-use. Seriously! I'm furious. Called their Customer Support number back to back...all I got was a fast busy signal. Had a NICE credit limit. Used it in the past when I NEEDED to. Paid off all credit card debt November 2021 and for good behavior I get a CLOSED account and a ding on my credit score?
Reviewed June 13, 2022
This company routinely sends me emails at least 5 times a day, every day. They are all coming from some different email address so blocking them doesn't work. I've called the company, I've followed the link to not receive their offers, numerous times, their customer service agents speak very broken English and do not understand the complaint, so I'm filing a complaint here.
Reviewed June 11, 2022
I have an excellent experience with the card. I got a generous credit limit. It was easy to sign up for and my experience with their website and customer service department has been positive. I have the Aspire Mastercard.
Reviewed May 20, 2022
Preapproved me for $1,000 and then when I clicked on it it couldn’t find my info. Then preapproved for 350. We’ll nevermind cause of course I wanted the $1,000 you offered. I even have the offer email for that amount. Fraudulent claims is what that was.
Reviewed May 16, 2022
I set the payment for my Aspire card to go through on the 23rd and they pulled the money from my account on the 16th then blamed me for it. Even though I had a confirmation for the 23rd they said I paid with my debit card so it just goes through automatically. When I pushed they offered to refund the payment so that I wouldn't close the account. I had to ask at least 4 times to close the account. Even though the payment went through in seconds they told me it would take 2 days to process a refund.
Reviewed April 24, 2022
Approved for an initial $350 credit limit. I called to inquire about a credit line increase after 1 1/2 years of having on time payments and zero issues with my account. I was told they ONLY review accounts periodically for a credit line increase and would send notification of an increase when it occurs. So, every payment I have made on time, with no issues at all for 18 months and no issues with my credit and still NOTHING. Bottom line is, this card is useless, fees are outrageous and customer service is a complete joke. I would stay clear and NOT recommend this card for any reason.
Aspire Visa Company Information
- Company Name:
- Aspire Visa
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