About Aspire Visa
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Aspire Visa Reviews
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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.
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…
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.
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!
I acquired this card to improve my credit scores. I set up automatic payment and even supplemented the amount each month. NEVER missed a payment! In March my family began looking for a house. It was critical we maintained a good debt to income ratio so I began cutting back on credit card usage.
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!!
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.
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?
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.
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.
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.
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.
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.
I wish I read the reviews before I responded to their PRE-APRROVED acceptance letter. I know the difference between PRE-APPROVED and PRE-QUALIFIED. They are able to get away with this because they stick an * next to the PRE-APPROVED and the small print says you're not really approved yet. It appears that this credit card exist merely to sucker people into lowering their credit scores through their pointless credit checking. There are legitimate PRE-APPROVED offers out there but this type of company will have people like me missing out on opportunities. I won't even get into how the conversation went with the "Service Rep" who was unable to get a Supervisor on the line because they were all in "meetings".
So, I had a credit score of 687. Aspire offered me through mail a pre screened offer for a $1500.00 card with no annual fees. I went to the website, entered my pre-screened offer code. They denied me even though my credit balances are within limits and pay them off every month and I was made to believe because this was a pre-screened offer that only a soft credit check would be applied. Instead they deducted 4 points to my credit score and entered another hit that will be there for two years. Run far away from Aspire. They are disastrous. Totally bad company.
It's been 4 months now and I have never received my card, I spoke with customer service and they cancelled the card and ordered another one, twice, I paid off everything activation fees. Whatever in October, it's now January and still.... nothing yet
I was laid off October 19 2021. I told Aspire I filled out the forms. Filled it out not the credit protection doesn’t want to pay the amount cause they are saying I’m 60 days late. I gave them the forms before 60 days.
After having the card for a couple years... I recently paid it off and then went on vacation. After returning home- 3 weeks later I get a notice they had suspended my account. I had a couple missed payments in the last year, but they were brought current quickly. I haven't a clue? BUT I am glad they'll be gone!
After having this card for a few months I fell behind but I knew that I was going to be able to pay the balance in full and called them to advise them of the day I would be able to do this and they stated that it was fine. I called on the day I told them I would and they even removed my late fees so I paid the balance in full. A week later I went to use the card but it was declined. When I called them they told me that my card had been closed on the same day I paid the balance in full. I was not made aware of this. I would not have paid the balance in full if the person on the phone would have told me this. I would have made partial payments.
I had reiterated with the person on the phone to make sure we would be able to use the card and they assured me that I would have access to the full amount within 24-48 hrs. They lied to me and then to top it off I called to complain and was told that they escalated my account and would call me back within a week. It is now 3 weeks and nothing. Honestly I wanted them to reopen my account but now I don't care. They deceive their customers and don't keep their word.
I opened this credit card and paid the annual fee. It was the one and only payment that I made on this card, because I was never able to use the card. I had the card for less than five months, I called the company and asked why I couldn't use the card. Their response was that it wasn't activated. I had activated it once I received it, I activated it again on the phone with the customer service rep.
Behold I went to use the card again in a week or two, and it was declined again. I called today and they informed me that due to inactivity on the card they closed the account. If I wanted to reopen the account I would have to pay another annual fee. I explained to them, that the reason there was no activity on the card is because their systems wouldn't register that the card was activated apparently. They could care less. It was a scam from the beginning and I can only imagine how many other people they do this to. They should be shut down, and they should be brought up on charges for predatory lending practices, bait and switch and anything else you could think of to Target people that are trying to rebuild their credit and then screwing them over.
Received my card, looks pretty good. The problem is when I go on line to reg. my account on line, it won't send me the code that they require to reg. the account ?? I repeated over and over, changed both user/passwords and yet nothing. They would not send me any security code to me at all, so I am not able to go on line. If this is a valid company then I should be able to do this like all the other Honest credit card companies. I will not be using this at all. Please be care if they are a new company that does this to you, A PRETTY BIG RED FLAG!!!!
I was able to speak with a representative in regards to their false advertising. I asked for the inquiry to be removed and they said it would be. I'll report back in 30 days to see if they actually did it!
If I could give a negative star, I would. This company does false advertising. They send PRE-APPROVED only to deny you and put a ding on your credit report. I wouldn't have filled out the form if it had said PRE-QUALIFIED and they know that. How is this legal?! It isn't. I wish I would have looked them up before falling for their scam. I will also report to BBB. I hope you guys go out of business. You're terrible.
I do not own an Aspire Credit Card. I was pre-approved and declined. Their terms are absolutely predatory and are designed to extract as much as they can out of you. 175.00 upfront fee. 49.00 annual fee. 12.50/month maintenance fee. 35%+ APR. Low credit limit. Avoid at all cost. This company appears to take advantage of people down on their luck who trying to rebuild their credit. Their combinations of high, excessive fees and incredibly high APR will ensure that you're paying interest on top of their own self-imposed fees. (Their fees are charged against the card and are subject to that absurd interest rate.)
I received a letter saying I was PREAPPROVED for a credit card with a limit of $1500. Not "up to $1500, but for $1500". I decided to get the card to just keep for a rainy day. Went online, put in the acceptance code, filled out all my personal information, and they came back and said I was not approved and would get a letter in a few days. I would have NEVER applied for a random card if it had not said I was PREAPPROVED. I have no need for another credit card, but I decided to just get it and keep it for emergencies. This is not right to do to people, because now I have a ding on my credit report, and nothing in return. THIS IS A SCAM. DO NOT DO BUSINESS WITH THIS COMPANY.
WARNING!!!! paid my card as agreed every month for over 2 years. Only to realise they were charging me High interest (in a zero interest economy) plus a 12.50 monthly fee and a $29 annual fee, All of which I was never aware of. Would not recommend this card to my worse enemy. I since paid off the card with a ZERO interest rate card.
Aspire Visa Credit Card sent me pre-approval mailings every month for their credit card. Finally, I made a decision to accept the card since it said I was pre-approved and even gave me an acceptance code. When I did, it declined me and said it would send me a letter within 30 days with details. Nothing on my credit has changed. I believe it is poor business to lure someone in with an attractive offer and then turn them down for that offer. I really wish they had never contacted me. If contacted in the future, I will contact the appropriate person within their company and tell them where they can stick their lying offers.
AWFUL! STAY AWAY FROM THEM!! This company is terrible. 3 times so far they have locked my card. Every time I use the card they lock it then I have to call customer service and go through a whole song and dance about getting it turned back on. This last time they froze my card and told me I need to verify my ID by sending a picture of my ID and latest bill. I did that, then they told me to send it to another email address, then after that I was told to send it to another. I can never get a hold of their fraud department who are the only ones who can unlock my card. It has been 3 weeks of trying to contact them and still no luck. I have reported them to the BBB and will not be paying any amount of money owed until I get someone who knows what they are doing.
I applied for this card. They gave me a preapproval for $1500. I accepted the offer and was denied. I have a higher credit score than my wife and I make over a 100 grandeur and yet they approved her for a small amount and denied me. They made a hard inquiry on my account so I cannot purchase the cabin I was going to purchase in the fall considering they ruined my credit. This is fraudulent. Something needs to be done.
If I could give 0 stars I would! This company’s customer service is the worst I have ever experienced in my life!!!!! They refuse to help you, read you a script and cannot answer straightforward questions, the supervisors are even worse!! Don’t ever accidentally pay your balance twice you will never get your money back!!!! They lie and tell you that you will receive a refund check and you never get it but it’s taken from your account! I have hired a consumer protection attorney to help get my money back they stole from me!! Terrible company!
I received a pre approval from Aspire only to put in info and was denied. This has to be illegal if for nothing else false advertising. This is not a pre-approval. This is pre qualified. Basically a scam.
UPDATED 9/2/2021: I have been contacting Aspire for replacement credit card. I have been doing so for about 5months now. They all review my address then tell me they will send a new card.. STILL HAVE YET TO RECEIVE IT..
ORIGINAL REVIEW: I put in request for new card 4 months ago & I still have yet to receive it. The customer service is very horrible when you hold them accountable for their wrongs. There is no way it takes this long to receive a replacement card.. This service is real unprofessional I prefer & recommend NOT GOING WITH THIS CARD.
Aspire Visa Company Information
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- Aspire Visa
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