Aspire Credit Card Reviews

Just one day of having this cc and I can't make any purchases ANYWHERE!! I've had to call customer service twice & have reached out to their chat what seems like 8 times now just in one day to ask them to please unlock my card. They all say the same thing "it's been unlocked you can use it in 2 minutes" & then I go & try to purchase something and it gets declined.

Pre-approved offer letter in the mail was a complete lie. They dinged our credit report only to deny us after sending us a pre-approved offer letter for a credit card. That is the same as false advertising isn't it? I feel like everyone denied after pre-approval. Should be owed damages for the ding we just took to our credit!!!

Avoid this credit card at all costs! The minimum payments srart low but the interest rate and finance charges are so high, the minimum payment becomes exorbitant. They prey on people who have bad credit by giving them a high credit line, and then once they add their finance charge and interest rate to the minimum payment, there is no way to catch up. DO NOT GET!!

Never received a card, yet they are billing me, they can CLEARLY see I never activated a card, or try using a virtual card. So why report me as non-payment status to the credit bureaus if I never got a card in the first place? I plan on suing this company next month.

This company is fraudulent. I was offered to pay $28 by July 25th and would be given a $40 statement credit. I paid through my app on July 16th and called about the statement credit today, only to be told they won't honor it because I didn't click the link in an email or call to make payment over the phone. What a fraud. Do not do business with this company.

Wish I had seen these reviews. I got the card in March. I have paid double the minimum due never been more than 3 days late had the credit protection yet somehow I was over my limit and the closed my account yesterday after I paid July and August payment and they won’t listen or help you!

Opened an Aspire card and made every payment in full and on time. Suddenly it stopped working, despite showing a balance that was more than $150.00 below my credit limit. Upon reaching out to Aspire, they said my account was closed due to "unexpected account activity". That made no sense, so I asked them what the "unexpected account activity" was, and they refused to answer me. It sounds like I'm not the only one. After paying ridiculous fees and making all payments on time and in full, my account was canceled for a reason they can't provide. This will harm my credit. Avoid this card at all costs. I was able to get multiple other cards with higher limits, lower fees, and rewards. I can't say anything good about this company. They target people with poorer credit and collect their fees, then apparently (in my case) close the card for no good reason.

Scam company. 15 per month “account maintenance fee” $50 for an annual fee after the account has been closed. Rid my self of these nickel and dime hustlers asap and I advise you to do the same. Never again z, company is trash and they prey on people. I was wise enough to close the account. Operators get snippy if you record them, but they can record you and I.

I called because I still have not received my card after 6 weeks but I received a notification that my first payment is due. The rep told me I have to make the payment even though I haven't received the product. When I told her I transferred apartments at the same address and my mail is forwarded but I still have not received the card she said I have to send them documents proving my new apartment number and I will have to wait 1-2 days for a text message explaining how to upload the document. In the mean time if I don't make the payment I will incur a late fee! I have never experienced anything like this! I wish I could cancel this stupid card.

I was in the hospital and was able to prove I was in the hospital and it was impossible for me to make the charges. I’m still having trouble with getting ahold of these people. They took away my credit rights and charged me for those charges. A awful company!!!!

Absolutely absurd fees, payment was 3 days late first time by the way, and they permanently closed my account. I had the "credit protection" that was useless. Their ridiculous fees caused my account to go over the limit, then charges me extra because their fees took me over the limit. I had a $350 limit, used maybe $100 and my balance is 568 because of their gouging fees. STAY AWAY!

Did a debt consolidation for lower interest and had my credit union send a check payment to multiple credit card companies. Every cc company received their checks and credited me within a week, or returned the check because the credit union mistakenly wrote my name, instead of the account # on the memo line. Aspire is the exception as they cashed the check within a week, and for 3 weeks, including over 5 calls to customer service and multiple emails, they acted like they never cashed the check. My credit union sent me a copy of the proof of cashed check and tried to send it to them, but their email box all day Friday was bouncing back as full, even when I used another email address.

Got the card, used it. After a couple months paid in full, closed it. They call me 3 months later saying I owed my credit hit the floor...do not get this card. You've been warned! They are cynical scammers

Do not get this card. I had it and added my son and he was using the card and I would pay it down and then after 2 months they closed my account with no warning.... When I called to find out about the account I was told it was closed due to unexpected activity- what does that even mean? When I asked the foreign representative she just repeated what was on the screen. If I had known they had such lousy ratings I would never have opened the account! Waste of time.

Average rating on Aspire website is high but on this one it is very low. No matter how desperate you are this credit card is pure fees and high interest. I had to demand they lower my limit from $2000 to six hundred so I could finally pay it off. I would never recommend such an expensive card. I would rather give my money to a reputable institution that does not prey on people with low credit scores.

Please do not get this card. They have one of the worst websites. They do not show you any description or any listing of any transactions. They have a page saying "Payment History", but there is no page or tab for all transactions. They have tab called "Recent Transactions", but there is never any information there. No lines, nothing. You available credit will be showing zero, and you have no ideas as to why. This is utterly non-functional. Thank you for your time.

Don’t get this card! I know it’s tempting to rebuild credit, but in addition to the super high interest rate, you get charged an annual fee (which by the way most bigger banks don’t charge) then out of nowhere you get hit with a $15.00 monthly’s maintenance fee. The math on my one card in fees alone in $360 a year in fees alone. And then there is the ridiculously high interest rate that doesn’t go down even if your credit score goes up and you have excellent payment history. This card is designed to take advantage of you and not help you. Plus their app and their website is down 50% of the time. Shameful business practices, especially for those trying to rebuild after losing everything from Covid. Don’t do it.

I paid my card off in full last summer and closed it. A year later I get a bill in the mail that I owe $116 for cc fees, they claim that I did not close my account when indeed I did. I don’t recommend opening a card with this company and if you do, do everything in writing. Not a verbal phone call.

I’ve been getting charged every month for a year. I don’t even have an account with these guys!!!! I’ve been put on hold for countless hours waiting for the fraud department. Some shady stuff is going on with this company.

The card was good when first arrived. I had a good credit limit and everything. After keeping up with payments and everything for 2 years they decided to start charging me a monthly maintenance fee. I did not agree to this fee so closed my account with a balance to pay down. I am still paying on this balance and I am still paying this fee. Was told it's for the convenience to pay them.... I thought that was why we get charged interest.

Factually, someone has my phone number that I've had for 10 years associated with their account. I get text messages about this account that I have a no association with. This is bothersome and annoying. When I call Aspire, they do nothing because I'm not the account holder. I will never associate with this company with the lack of disrespect and disregard of my time consuming bothers from this company. Take my number off of your system. You'll never get my business and I will recommend no one else does.

Do not get this card. They will rob you!!! They don’t care about consumer and you will wind up paying any charges even if your credit card is lost or stolen!! No customer service help. They are rude and no intention on helping with any problem!! They do not do investigations and any claim will be denied!! I repeat. Do not get this card!! I have had it for about a month and it was fraudulently maxed and they expect you to pay for it!! They have multiple reports with the federal bureau!! Consumers be aware. This is a scam card and the first thing they will hand you is a annual fee of $99 dollars!!

Just to inform this is running a shady show. Just increased rates for no reason. Will be filing complaint with financial services bureau. I will not recommend this card company to anyone. Don't take their offer.

Don’t ever sign up with this company!!! They prey on people with damaged credit. They have a monthly maintenance fee of $15 and high interest rates as well as yearly fee charged to you automatically. Never had a card where they don't increase your credit limit with proof of good payment history and an increase of your credit score to over 700! Absolutely horrific!!!!

Don’t ever ever sign up with this company. They are thieves. Right after you sign up and buy some stuff first couple months they change the terms completely and if you don’t agree they shut you off and still add the terms where they start adding huge monthly maintenance fees and huge interest charges and yearly fee charged to you automatically. Never had a card where they are outright fraud and criminals. How are they not investigated and in business?

I called Aspire company to see if I could get some help and an extension of my payment due to my surgery, but not one person was able to assist at all, and they had me going in circles. I have not missed a payment and am always paying on time. It reached a point where I had to speak with a manager, and Jay, the supervisor, couldn't even help at all and didn't even try to find more options. This is the worst credit card company. I would not recommend anyone apply for this card. The service is horrible!

I am rebuilding my credit. I opened a card and had a $500 limit. Never paid late once, paid off my balances basically as soon as I used the card and they randomly sent me a letter stating that fraud department closed my card because of "unexpected account activity". I called to get more info and was told that they are "anticipating fraud" to happen but not by me so they have to close it. I asked for further detail on this so called fraud they expect and was told that they can not disclose to me. I would guess they don't want consumers that pay off balances - they want consumers that incur late fees and interest on balances. DO NOT USE ASPIRE CREDIT CARD!

This is a terrible company to have for credit card. They will not work with you, help you or try and direct you in right direction. High Interest rates and overcharged late fees! They will continue to transfer you to other people that can’t help you!

This the biggest wrong decision I made when I accepted an offer from this credit card company. Total ripped off and a scam. They advertise for 0 fraud liability but never stands for it. So if you have a fraud on your account your money pretty much I'd gone! Late fees every month over limit fees is charged every month even if you use the over limit one time. It's ridiculous. No credit card charges over limit fees anymore. Not to mention the high interest. My advice to you STAY THE H** AWAY FROM THIS CARD. You don't need it. They will put you through Hell. If you have it it's meant that you will owe debit for the rest of your life.

I have had this card for a year, I had no problems with it whatsoever, my credit score increased from the low 500s to 743 within that year. I had 8 cards total. Always paid off the balances. Stayed below the 10% cl range of every credit card. My income has increased. I have been waiting for a cl increase which has never been seen on this card. Today I got an email stating that my account fees would increase from 29.9% interest to 36% and my annual fee would increase to 159.00 payable in monthly installments. It does tell you to call the number to opt out, then they directly close your account. I told them that I will not opt out but to close my account anyways. That way they cannot state on my credit report that it was closed by grantor. Bummer. I really liked this credit card. It gave me no hassle.