Aspire Credit Card Reviews

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.

This card has numerous fees a month, the app is horrible & made to give you a hard time. I paid the minimum for over a year and the balance remained exactly the same. If anything it got higher with fees that kept appearing for paying on time. It’s the worst card you will ever ever get & it completely ruined my credit. I have always had good credit till I experienced the fraud charges of this company. They now charged off the card & doubled what I owed. My payments were going to their fees that were never mentioned & the high annual fees. This company is a scam and uses your information to get money the wrong way. I wish the FBI and government would take this company down.

Worst credit card company ever. They take weeks to apply the payment to the card but take it out immediately. I was making regular payments and they randomly closed my account without telling me even though everything in the app shows it is still active. The app is useless for anything but making payments and barely works for that. It clears the transactions from recent so fast it is a pain to find the history. Customer service has no useful information.

Aspire MasterCard issued by The Bank of Missouri is the worst credit card on planet Earth. I had a $1500 credit limit card which was paid on time every single month only to be closed due to "unexpected activity". What they are referring to here is making payments against the balance and their inability to collect the high interest rates they charge on what is paid. In other words they like to prey on people that have average or below average credit and keep the balance revolving at a high rate. Since I didn't fall into their "little magic box of margin" they dumped me right before Hurricane Milton hit when I needed this credit the most. Aspire is basically a criminal organization being run by financial pirates.

Unethical is a complement to these leeches. They have many hidden fees, etc. which is buried in the small print which I am sure not everyone has the time to read. It is convoluted and difficult to understand as well. You pay your monthly bill, and then surprise. A second withdrawal appears. That is supposedly for interest which was not included in the original payment. This second amount does not appear on your statement so you have no way of know it is coming. Someone needs to step in a make these rectums tow the line, or better yet, dismantle them altogether.

For sometime now I was trying to see my statements online via cellphone, for some reason I could never open them, mind you that every single credit card I have I am able to download/see it pdf on my phone. I wasn't paying much attention and just doing my payments, today I needed to have an actual statement to provide to mortgage broker so I went on my computer and saw the statements, to my surprise I have been charged a fee that varies from $24- $25 every single month since I opened the account???? WOW I feel robbed, no wonder my balance wasn't going down!!!! I haven't even bee using the card.. When I called and spoke to Mercedes she said she could only do a 3 month refund??? NOt acceptable!

I'm done with this Aspire card! I've had this card for almost 2 years now. Like other reviews on here I accepted it as it was a zero annual fee. Not too long afterwards a $5 per month maintenance fee was added. It's now 7.50. Anyhow I get an email tonight that my account is past due and has been forwarded to collections. I always pay more than the minimum due and was a bit confused. I pulled up my account online and it said I was $4 past due and my statement had just ended yesterday Aug 23. Well then make a payment on their website. Said I owe $83 by Sept 20 but when I pull up my account statement to print it out it said I owe 106 by Sept 20.

People looking to rebuild your credit, DO NOT apply for this credit card. They are criminal. I accepted the card with only a 400.00 credit limit. Which was fine, I was rebuilding my credit. One full year, used card, paid more than minimum payments. Got a notice they were going to start charging a 15.00 monthly fee, 180.00 a year, not even sure what that monthly charge was, but because of it, I closed my account. With a 336.00 balance they raised my minimum payments to 86.00 a month, and their customer service is very RUDE and not helpful at all. Please beware of this card. I so understand the need to rebuild credit, but this company is just criminal. Please beware.

Corrupt ** illegal credit card. When I told them that I was recording the phone call. They told me they were disconnecting because they don't want to be recorded. If they don't want to be recorded, it means they're doing something illegal. If you're thinking about doing business with the Aspire run the other way because they are corrupt, illegal organization and they prey on people who don't have any intelligence. If you have a brain, leave aspire and go somewhere else. The worst customer service and most illegal corrupt credit card in the US today period. They charge a $12.50 per month fee for open credit cards regardless of balance. My account is closed and they are still charging a maintenance fee. They barely speak English are as as ignorant as any company can be. I'm contacting the Federal consumer protection agency and you should too. They are doing illegal business and will be prosecuted. Can't speak to a US citizen.

There's absolutely no way to reach a human being to speak to a human being. There is no such thing as customer service. There is only a recording so when you try to call them to speak to a human Google will actually give you a phone number to speak to human but it isn't a human so that when you have a medical issue to which you cannot continue paying for a while there is no one to speak to aside from all the sudden hiked rates. Started out with no annual fee, all the sudden there is an annual fee. You absolutely cannot keep up. So when you fall behind due to a medical reason like a heart attack, stroke there is no one to talk to. Are giving this card a zero star but you have to give one to post

I accepted Aspire credit card offer before they decided to charge a maintenance fee when they sent out a letter letting me know of this change I was agreeable with a $5 a month charge until I noticed their website was getting worse. The email address I had on my account was no longer sending or receiving messages so when I went to their site to update my account with a replacement email it kept sending me a code to put in which was not being received by the old email and there was no option to have the code sent to me by text.

Two accounts, both closed, added unexplained fees, in which not one customer service representative can explain where the fees came from. 04/2024 rental car company trainee made several charges on my account, (explained later as mistakes and attempted corrections, fault of their own), unbeknownst to me, for I was across town accurately doing my own job. Adhering to my personal commitment to rebuild credit health and strengthen my financial base, it became second nature to check my accounts daily. Taking a brief moment to reconcile my account, I found my account overcharged triple the amount of my actual credit limit.

This card is a predatory card. Aspire takes advantage of seniors and people with no credit. 36% interest?? I never would have agreed to 36% interest, but the company representative swears the interest rate was always that high. No matter where I went to use the card it was declined. I was forced to call and quarrel with them. I paid the balance off each month, but they felt perfectly validated in declining my purchases anyway. Customer service is non-existent. Aside from the nearly 40% interest rate they opted to raise fees in 2024. Giving customers the option to opt out, meaning close the account, they still added $18 per month onto your balance each month. There are much better options for credit than this hyper predatory card. Keep looking and run from all offers!

Avoid this 'company' as if your life depends on it! A1 credit, never late, AND I NEVER PAY THE MINIMUM. and the fees are astronomical. They're raised every 3-6 months. Accepted an offer in the mail for a $1,500 credit line, no annual fee. One year later, a $5 a month maintenance fee, $150 'increase' after I refused to pay $50 for a $250 increase. APR raised to 36%. I have a Chase Sapphire and Wells Fargo Autograph. I don't even need them. It hurts me more to drop them than to keep them. But they will be dropped! However, I will get another signature card first, before my credit report takes a hit for dropping them. I've become a little mini expert lately on credit cards. Please take this advice as if you've never taken any other: Either ignore them if you don't have them or drop them if you do.

Paid my account balance. I then noticed my available balance had not been restored. Contacted CS and was told it was due to "suspicious activity," and that it would be restored within ten-days. It was not, so I contacted them via text. When I did not receive a speedy response, I called...Was initially told it was because I had gone over my limit. In December. I said it made no sense that they would be closing it for that reason in July. The rep then told me, "it's because you made too many payments in a month." The rep via text then finally replied telling me it was because of "suspicious activity." They are liars that clearly weren't interested in an account that wasn't going to be paying interest.

I overpaid my account by $1000. I requested the money be sent back to me and I keep getting told it will be 5 to 7 business days. Then it gets escalated as no word. It will be another 7 to 10 business days. Not to mention when you get a credit line increase they charge you 49.99 and don't inform you about it. When you SW them they take it off and remove the increase... Not a good card.

Worst credit card ever! Be very careful when opening this card because they can decide to close your account anytime. Usually after making a payment before 5 pm, by 7:30 pm, your payment would post. I made one payment expecting to post that day and was going to rent a car, but that day, the payment didn’t post. It didn’t make any sense, but I thought maybe it didn’t go through, so the next day, I made another payment with a different amount. Then the same again, it didn’t post. I decided to call customer service and they told me that making two payments are likely fraud.

This terrible Predatory Company charges users large fees for not even using the cards, often not even clearly disclosing them. After my friend fully paid her account and never used it again, she was charged over $400 in fees the next year. There are countless similar reports. They need to be sued (again), and shut down. Consumer protection agencies should shut them down.

I have had this card for a few years with no problem but I paid $1000 at once to be able to rent a car on vacation and they didn't release the available credit. Normally I pay the bill the available credit is available within 24 hours. I called customer service because I was in an airport and was told because of the amount I paid they were going to hold it longer. I explained I needed a car and they did nothing. I will be closing this account. Worst company.

They lie to customers by saying that they work with poor credit customers but they said I don't qualify because I have bad credit?? Poverty pimps. Avoid them at all cost. They love to lie to you and getting a live person to dispute. This is like waiting for paint to dry.

I have had this card for over a year at 29% interest rate and no fees. Recently I received an email and mail informing me of changes to 36% interest plus a annual fee and monthly fees. This morning I did what they told me and I called to say I do not agree. The woman said she would close the acct on 7/2/24. I thought later on, "Wait a minute the fees start 7/1/24." I called back and told the person what the other person did and asked for it to be closed immediately and an email stating it's closed. Watch out. They are pretty slick. Pay attention to what they say. The 2nd person I got was nicer.

This credit card was okay to rebuild my credit. Have been up to date. Made my payments each month. They even offered me a second card. The limit on one is $500. The limit on the other one is $600 however now all sudden I'm being charged a maintenance fee equal to $150 a year plus my annual fee making it almost a $250 annual fees for an available limit of $250. No thank you. Customer service does not care, very rude. I would not agree so they shut down account. Not even offering a limit increase to kind of justify the fees. Loan shark credit card. What a joke.

This credit card company is fraud. I closed my account in Jan. 2021 as I did not agree to the annual fee and to paying a maintenance fee so I was told if I didn't agree I should close the account which I did, fast forward to April 2024, they have been charging me a maintenance fee of 7.25 every month so I called them and they are now saying, well if I didn't agree to the fees I should of paid my card off, but as I stated to them that the balance was under a different agreement and since I never agreed to upcoming terms I should not have to pay any fees.. They say, "Oh well." Just wow, they will not get another penny from me.

I would avoid this credit card company like the plague. After 2 plus years of on time payments, my reward is a new 5 dollar a month account maintenance fee, supposedly for the privilege of using their horrible online services/Application. Customer service was not very personable and even less helpful. They apparently sent me an email in January informing me of this absurd and greedy maintenance fee, which I never saw, and the representative told me that had I called in to dispute the fee before February 28th, they would have closed my account. Really!?!?

This card is a big huge fraudulent way to get your money. I was paying my account faithfully every month, the minimum amount due, This company took it upon themselves to take out the balance owed and sent my account in the negative, over three hundred and something dollars instead of taking just the monthly payment of 25 dollars. I called and complained until they put my money back. Now they keep tacking on all these extra charges. Total scam that I have reported to the BBB.

Total scam. Added a late fee 2 weeks after the payment was made. Called, sent in proof of payment from bank and it's still showing a charge for a late fee a week after all of that. Called again and I was told it was removed, but if you do the math from the last 2 statements and the payments, it still doesn't show the correct amount. Total scam. I'll be getting rid of this card asap.

The Aspire Credit Card deserves "NO" stars. And I emphasize no stars. I made my payment on the same day it was due and they still assessed me a late fee. I've been home sick for 4 days and it slipped my mind but I still made it the payment on the same day. They have no sympathy and they have no grace period. This is one of the worst cards I've ever had and once I pay it off they can take it and shove it somewhere. I would recommend this car to a dead person! Please do not get this credit card! Please! And the representative had the nerve to tell me to sign up for automated payments. Even if I'm late on my bank account sometimes they never charged me a late fee never! This is the worst card. Do not get it please!

I will start this off by saying I do not have perfect credit but I’m definitely working towards it. I have other credit cards. I have had other low score credit cards or second chance credit cards what have you. At first Aspire seems to be legit. They work well. You make a payment before five, it immediately post your account. Everything seems to be good. But apparently they close your account whenever they want and not let you know and not only can they not let you know, if you go into your app your account will still appear to be open. This happened to me. The way I found out that my account was closed is because Credit Sesame alerted me to it, three days after the account was closed I was going in to make a payment because I have two accounts with them and then like it was kismet.

Besides the fact that the rate is very high, 35%, they are now charging $10/mo account maintenance fee. They just had the nerve to send me an email saying I may qualify for a credit increase on $250 BUT I would have to pay them a one time fee or $49.95 if approved. My credit has improved and all my cards have just given me an increase. I will be paying off and cancelling this card right away.

The worst company to deal with. I had missed a couple payments due to not working and they closed my account immediately. Customer Service doesn't show empathy at all. Stay away from this company and their fees.

I had my Aspire card for 5 years and when I got it I signed up for disability insurance. Fast forward to August of 2023, I lost my job so I called for the Unemployment Disability. I was told while on disability that I couldn’t use my card which I was fine with. After 6 monthly payments they notified me that the last payment was made and now I would resume with my card as normal. I noticed that when I went to the website I show no available credit. I knew that was wrong so I called. First they tried to tell me that I didn’t accept the new terms last July so they closed my account. I never received anything or a phone call about new terms I had to accept. Then they said it was closed due to inactivity. Well there again I had to explain I wasn’t able to use the card due to disability. Then they said they did not know that the account was on hold.

When I first got the card there were no fees. One month a $10 service fee showed up. Then a few months later they informed me that an annual fee of $150 would be charged. Too many fees. They charge to increase credit limit.

So apparently, if you make a payment that is more than half your balance, they put you in a timeout for anywhere from 4 to 6 days. Even if it's cleared your bank and you offer to prove it, they don't care. So then I'm told my available credit will be available on the 12th at midnight. Guess what? It's not. So I contact them again only to be told that it won't be available until the 14th at midnight. Then called again on the 14. Now its the 16th. Three different agents gave different dates. After I ask to speak with a supervisor, I'm told it will be available today by the end of the day. This is insane to me because every other credit card company out there can help you and make changes to your account, but not this company.

I reported fraudulent charges on my card and it took them over two months for anyone to take any action on my case. During this time, I have been charged late fees, interest charge that they refuse to reverse and make my credit available to me. in order for me to get my credit, they force me to make payments based off of fraudulent charges and interest. They literally held my account hostage until I make a payment that was based off of charges that would not mine.

RUN... This is a very expensive scam for money. They charge very high monthly fees for things like account maintenance fee, credit protection fee, foreign transaction fee... RUN! It is a scam. And when contacted, the reply was, "Well that is in our fine print contract." "Please remove it..." "Oh no sir that is against our policies." RUN.

I filled out a application. Was approved. Never got a card from them but I got a bill for 130.00. That's how much they charge for applying and late fees. Now it's giving me a negative on my credit report. I did not ever use any of their money and now owe them over 200. Not one penny of theirs did I use yet it's a mark against my credit. How wrong is this. Crooks.

Applied for the card, approved for $3500. Card and literature came. Only $1500 approved limit. Read reviews online before activating card. HELL NO!!! Horrific reviews. Card holder agreement said if I didn't activate the card, I did not agree to the terms of the card. A year later they send me a $5 email bill. Called customer service and they said don't worry about it. Hung up the phone and got an email saying my acct was closed. This will show up on my report. How do these scumbags sleep at night. STAY AWAY!!!!

I am traveling for work for 2 months. Aspire was notified. They closed my account without notice for over limit 5.00. Yes $5.00 that is very bad business. Don't use this card from bank of Missouri. Also their customer service hardly speaks English and is very rude.

I made On Time payments and paying my account down to $0, then came the fees...and more fees... and more fees. As soon as I had enough of those fees, I called to speak to a representative located half a world away saying "Thank you for calling Card Services" not "Thank you for calling Aspire" with the intent purpose of closing the account back in August, 2022. BIG MISTAKE!

Don't. They're sleazy. I see I'm not the only one with this complaint. It's a bait and switch. Only reason I accepted my "pre-approved" card was because they didn't have fees. A little while with the card - always paid on time - they send me a notice that they are now charging monthly fees. And now I just got a notice that the interest rate is going up - you know, since interest rates have been going up everywhere else - not that they don't charge a ridiculous amount already. But, the new, even larger interest rate will be FIXED, so if/when rates go down again, they will keep it at the new even more ridiculous rate. I strongly advise against getting this card.

This credit card provider is not a very trustworthy. When I first got the card, it was supposed to be no fees and rewards and which I never got rewards and then after a good while, they started charging five dollars maintenance fee. And charged me twice in one month. They’re not trustworthy. I canceled my card and they’re still trying to get money.

This company is Fraud and stay away from them. I highly recommend staying away. I had fraud on my account I agreed to pay it if they remove late payments from my report. They lied and said they can’t do that. It’s fraud company. Everyone is foreign.

They closed my account after only like 3 months of having it. No warning or anything. I had a late payment but not over 30 days. After they closed my account they are still reporting on my credit report like it's still open when it's not. I still have a balance that I have to pay down. So they sent me an offer called "credit match or match pay" where they say they'll give you a % credit match to the next payment you make. THEY set up the minimum payment, not me. So I paid the minimum that they asked me to pay to get the credit match. Then I get charged a late fee. The rep states I didn't pay my "minimum payment". That is crap.

I did not apply for anything. I get an email saying that I pre-qualified to fill out the form so I can get my credit line. I have a 725 credit. I fill out all the information. They run my credit and ding my credit and then tell me they couldn't match my name with the credit bureau yet they pulled my credit score and denied me because I don't have a credit history good enough. I did not ask for this. They are telling me I'm pre-qualified to fill it out. All they're doing is having me fill out for them so they can ding my credit and drop my score. Leave this alone.

A lot of fees and you are heavily penalized if you ever go over credit limit. I would definitely not apply for this credit card. I wish I had not. This has been the worst experience I have ever had with a credit card.

I have built my credit over the last few years! I have never been late on a payment. Beside their fees that came out of nowhere and the bad customer service. They closed my account because I paid off my balance every month before my statement and still had a balance of $18.50. Stay away from this company. I waited to see a civil law cause I'll be front and center.

It's not bad enough that they charge an annual fee but every month there is a $12.50 maintenance fee for a card that I never use. I called a month ago to cancel my card before the annual fee but they told me that they would waive the monthly maintenance fee for 3 or 6 months. Now in order to close this account I have to pay 62.50 before I can cancel the account. No refund for the maintenance fee. If I did close it last month like I wanted I wouldn't have been charged the annual fee. Even if you have bad credit this card is going to suck every cent that you have. DON'T DO IT!! FIND another card if you have bad credit and if they have an annual fee because of bad credit go with that one, not one that changes $12.50 monthly maintenance fee. What a rip off!! Like I said before DON'T DO IT!!

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.

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.

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.

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.

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.

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.

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!

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.

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.

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?!

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!

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.

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.

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.

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!!!!

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).

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.

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!

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!

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.

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 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.

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!!!!

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..

This has to be one of the worst credit card you can get. Do not get this card. These people obviously do not have we're not raised by mothers. They are complete low-lives. I really can't even think of a word for them and I hope they suffer.

I have never received this card. The balance on it is $112 although I have never received it. Was initially sent out (supposedly) on May 30th. Today is 07/23 and I still do not have the card. I have spoken with them several times and have even asked them to cancel the card and they still have not done so. It's a fraud. Try a different company, folks.

Approved for the MasterCard on May 26, 2021. It is now July 12, 2021 and I have not received the card. Spoke to customer service allow 14 business days. I setup my online account anticipating the arrival of the card. It now shows a late fee for a payment that was due on July 7, 2021. If I have not received nor activated the card, why am I being billed a late fee. I didn't expect to pay for the hope of receiving the card. Still attempting to resolve this matter. My hope is if you as a consumer decide to apply for the card please be aware of my scenario.

I ordered a new card number when my mail was stolen. That was May, it's July now! Still waiting and being charged $12/ mo for the honor. Card was supposed to be here but never sent. Then they were going to send the same acct #. If you want good service, look elsewhere!

I'm so pissed. I applied for the Aspire master card only to get denied claiming my credit score is 589, which is a lie! My Fico score is 666. So I'm not sure what model they used maybe the vintage 9 but that not right. Anyway not knowing what score they will be using I ended up with a inquiry on my credit report which lowered my score. What a waste of time!!

Do not get this card! I made 3 small purchases and they suspended my account, said there were fraudulent activity, and could not get them to unlock it after verified they are mine. Got bill before card arrived.

Logging in my acct to make payments on my Aspire Visa card have not been an easy task - after I have already entered in payment info - there's nowhere I can click submit to submit a payment. I don't have time to dick around trying to move my cursor on the computer screen to process a payment. You guys should really improve on making payment easier.

I have had a credit card for a while thru Aspire. I have been paying my account off monthly for about 6 months. As of the middle of may I paid my $109.00 balance off then on June 2nd my account was compromised. I found out thru a email that charges were made that I had not made so I called them and said charges were made like $1.80, $2.00, then $10.00 then higher and higher in one day. Now knowing this doesn't seem right why would they accept these charges?? So now they are sending me more emails on more charges after I closed my account on june 2nd. I have been on the phone with them numerous times and getting nowhere. They said they will investigate it and I have to put on paper what I didn't charge. I told the representative that's easy..I haven't charged anything since May 16th.They said I need to put all charges on paper. How?? I don't get a statement in the mail just emails here and there and I didn't make this mistake, they did!! Sooo frustrated right now.

I got a pre approved letter in the mail for a $1500 Mastercard from aspirecreditcard.com, entered my pre approved code into the website, and answered all the questions correctly, my Fico score was 686 at the time, after hitting my credit with a hard inquiry they denied me. So they baited me with fake approvals only to deny me and hit my credit with a hard inquiry. For someone building credit this can be very detrimental, this hit dropped my score by 9 points. Thanks for the pain Aspire. CONSUMER BEWARE OF THESE SCAMMERS!!

I got a pre approval from this company for 2000 in March 2021, not that I needed it, but since it said no annual fees I figured I'd apply for it and cancel one. I was pay a yearly fee. Got approved and all their emails, when the card showed up, a week or so later I go to activate the card and find I I have a amount due for 59 dollars! A yearly fee and that fee every year after! So clearly they believe in baiting customers. They'd to call customer service to get hung up on three times when I tried to explain that this card wasn't suppose to to have a annual fee. I have paid their fee for the year since it hit my credit, but cut the card up and after the year I'll close the account so it doesn't damage my credit as bad. I am filing a complaint with the Federal Trade Commission about this because it is very misleading and many people need that extra money for other reasons rather than to be lied to by a bank.

Holy socks Batman. ): I applied for this Mastercard for rebuilding my credit, following the 2020 Covid downturn. I totally understood about the $35 annual fee, as that is common. But NOT the whopping $175 startup fee they automatically tacked on. NOT stated in the original disclosure agreement I downloaded. Very sneaky and conning. I won't be using this card.

I believe people are talking about two different cards. However The Aspire Visa was closed down. And the Aspire Mastercard is same company but similar. I received the Mastercard and I have had no problems. I believe if you get an offer for it and you need to build credit it's worth it. As long as you pay your balance in full each month.

This company closed my account over a merchant error of not having sufficient funds. I've had perfect payment history with them. I think they just want customers who will only pay the minimum due. I never received any return payment fee or even a statement from them that they were going to close it.

Website says "down for maintenance" for over a month. Call center in South America. They know nothing. Read scripts. Avoid this "company". Very unprofessional for a bank card. Interest rates very high as are the fees. Avoid this company.

I received a few letters from them in the mail saying I was pre-approved. It took me years to build my credit score to what is is today which is good, not great but in the 700 range. I disregarded the first few letters as I didn't want another card with a yearly fee. Eventually I talked myself into it to use it to keep business expenses easily separated for taxes. the letters kept getting better as far as interest rate, yearly fee and credit line. So I went to sign up online with my acceptance code and came to a facial recognition page that matched up a pic of me with my license. That was a joke, apparently my 1 year old license pic didn't match up after 6 tries with phone and laptop so I emailed them.

I received a pre-approved letter for a Aspire credit card with a $700 credit limit. I figured I would apply for it to pay off a couple of bills. I turned the letter over to read the terms. Bozo the clown must wrote those terms because they are laughable. APR 36.00%, annual fee $175 for the first year then $49 every year after. $150.00 account maintenance fee and a late fee of $40 lol, I’m not that desperate. With all the negative reviews I can’t see how they got a 3 1/2 stars. Stay away from this company as far as you can.

I saw so many terrible reviews on this card so I was skeptical when they sent me an offer for $2000 limit, $0 annual fee and $0 maintenance fee. Interest is 25.99%. I'm post BK, 623 score...seems legit.

Like many people I'm having trouble paying my credit cards because of COVID 19. I signed up with Consumer Credit Counseling to negotiate lower interest rates and payments. Aspire would never answer their offer and they tried to leave multiple messages. They did however call me every single day. Someone from the Philippines. The fact that they outsource makes me angry enough. They also sent me to collections after only 30 days late even though Consumer Credit Counseling was sending them partial payments on my behalf. This is the worst credit card with 36% interest. Highly not recommended!

So, I have read a bunch of these reviews.... and I am wondering if I am dealing with the same company. I was pre-approved for $1,500 with a $0 annual fee & $0 maintenance fee. The online application went as they stated it would & it was actually approved. I am expecting the credit card within the next 2 weeks. I was also able to connect to their website to log in with my new account. Everything so far, looks on the up & up. I will definitely keep the original offer & receipt of approval in case this goes south. But so far, it has fraud protection & a free credit score feature when logging in. So I guess I am the first non 1 star reviewer... if anything changes tho - I will be sure to do a proper update to this review.

I had this card for about a year, had a zero balance and I knew that when my year was up they were going to charge me a monthly fee and an annual fee of $59. All that was fine, but when I got my last statement, they said my interest rate was going up 13 percentage points. I called and canceled the account. It had a zero balance so I wasn’t worried, but I went to check it to make sure it was closed, and suddenly I had a $64 bill. This was the annual fee of $59 plus the five dollar monthly fee.

This company should be investigated by the FTC. They charge you 25.00 when they feel like it stating automatic payment did not go through. My Bank and statements show NO ATTEMPTS to take this money. I paid what was owed and closed the account. ALWAYS CHECK REVIEWS prior to getting a Credit Card. REPORT COMPANIES LIKE THIS TO THE FTC. There are enough of us on here to file a class action suit against them and SHUT THEM DOWN. They are Thieves.

I reported the card stolen the same day I spoke with the Fraud department. Supplied all necessary information, responded within the time frame and after three months was told they rejected it because it came in late, even though it was sent (2 copies) within 15 days. The initial charge was $1,500.00. I spoke to them several times with no satisfaction. Two other cards were fraudulently used and the purchases were forgiven. I would not wish this card on my worst enemy. They have receipts, time of purchase and store locations. They did nothing but let the interest build. This is the first time this has ever happened to me. I guess it's my fault for applying for a substandard card. I've lost my credit rating forever.

Aspire closed my account after I applied to use the credit protection I had been paying for. They continued to bill me for the protection but do not allow it to be used. They then reported my account as closed by credit grantor which dropped my score. They refuse to reopen the account because they said I went over my credit limit on two occasions in the past year.

36% APR. $175 Joining fee. $40 late charge. Bad phone customer service....I could literally hear a person in the background during my call, yelling at children while preparing a meal...just astounding that this card exists. I cancelled my card and got the hell out!

I recently applied for credit with Aspire. Before entering my SS# I specifically did not want a hard pull on my report. There was a question next to the SS# field intended for the applicant to understand "why are you asking for this?" It said so that they could make sure it is a match with the credit report they were going to pull" (up to that point inferring it would be a soft pull) not that it would trigger a hard pull of your report. I would have never given them my SS# to get an initial credit review otherwise. The advertising flyer I received indicated that I could check my approval status without impacting my FICO score.

I received a pre-approval letter in the mail stating that I had been approved for a $500 credit limit. I thought "Great! I can get an unsecured card". I went to the website, keyed in the acceptance code and was immediately declined. Now that inquiry will go against my credit rating, which I am trying to improve. After being denied, I read the fine print on the back of the offer. APR is 36%, annual fee is $125 for the first year and $39 for every year after, and the account maintenance fee is $120 annually. This is usury and Aspire is a predatory company. Please beware!

Never use Aspire. Their website says "make a payment with a debit card" then when you enter the info it says, "sorry this appears to be a credit card". NO it says debit on the card, it is a debit card, your system is broken. I tried two different debit cards. Same outcome. Their chat is as useless as their website. Now I owe over a $180 for a card I never used. I will be terminating this predatory lending account since there is no viable way to make a payment except snail mail. It's 2020, I guess the owners Randolph and Mortimer still think its the 1980s.

I received a pre-approved card from Aspire (MASTERCARD) letting me know that I was accepted and I must put in a acceptance code and get my new card after being pre-approved. I decided to come on this review site first with-out accepting it and look up the reviews. The negative reviews was heartbreaking with this company, they have scammed and misled so many by stealing their money. $175 annual fees. Annual percentage Rate 36%. This is crazy and ridiculous. Stay away from this company. SHRED the INVITATION. Beware!!

I was sent a preapproval letter for $1000. I go and put in the approval code online and fill out my information. Declined. Inquiry on my credit. It said in the terms they can contact my work # for telemarketing? Really? Why send out approval letters and then do this? I am trying to rebuild my credit, not crash it into the ground. This is ridiculous.

I get a pre-approval for 400 so I say heck why not. I didn't plan to use it but the extra credit would make my ratio lower in return make my score go up. They deny me. What? I have good credit. Just got a home Depot card over the weekend and have five other cards with large limits always paid on time. Stay away. Now I got a inquiry on my report that I didn't even ask for.

I was sent a pre-approved letter for this card. I applied and got the card with $400 limit. Last week I made a payment for $300 (as I maxed out my card). The payment was reversed somehow, and I made the payment again. After calling multiple times to see what was happening with my account I found out they closed my account "due to bad credit rating and a reversed payment." I asked how I got a pre-approved letter if that was the case. Anyway since I owed them a balance they are keeping the payment and I still owe them. That money was for my son birthday. I'm mad, because as much as I called no one told me till days later. Too many issues with using this card.

This card is a complete scam and it requires a 175 annual fee plus a 150 maintenance fee for a 700 dollar credit limit. Yea ** right, NO THANKS! You're better off going elsewhere. Too much BS going on here.

Got sent a letter saying I was approved for a 700 limit credit card and was given a code to enter for the approval. So I did that then got a email saying I wasn't approved for anything. That's false advertisement to me. I have 5 credit cards all paid.

This is a total scam. $175 annual fee for $700 credit limit. They send you something saying you're pre-approved for the card, then make you submit a credit check (reduces your credit score) before telling you the FEE is $175.

I received a 1000 dollar credit. I went into overdraft for three days. l paid 700 dollars on it, when l checked my available balance it said zero. l called. They said it was close!!! That’s **. Please check reviews first. l didn’t. Shame on me.

In case anyone needs the "customer service" number, it's 800-348-8783. I've been paying on a closed account for almost 20 years. I'm afraid that when it's all finally paid off, they will still haunt me. I don't understand how it was a $1,000 limit and I'm still paying it off almost 20 years later.

I had received a preauthorize invite from Aspire in the start of November 2019 so I decide to go forward and was approved for a new credit card with them. I was then told I would get the card in 7 to 10 business days. At the end of November I got a bill from them saying I owe $125 but I never got the card in the mail. I called them and was told to cancel and they would resend another card. Still to this day I never got a card. At this point I don't want an account with this company and I would highly suggest anyone else don't get caught up in their scam. I was looking for a card to rebuild my credit and not make it worse.

This card is awful, the account hasn't been open for very long and they closed the account. They did this without notifying me, the only way I found out was due to me getting alerts from Credit Karma. Budget Rent a Car sent a charge to the card that is obviously incorrect and the just shut the card down without a phone call. You would think the company is on their customer's side but no. So now I have this card on my credit which I will dispute. They are just bad for business and I wish I would have looked at review first. I don't even want to get started with their customer service... It's the worst!

They use a method of holding available funds if the amount paid is over 50% of the balance for 5 business days. I'm sure this is to deter consumers from paying their balance in full to avoid interest. Their customer service is not knowledgeable and you will receive different answers from each representative. Just don't even open this card. There are better cards out there.

This company I pay credit card on time and they say that two hours late it's a charge of 35 dollars. No other credit card company because of time change or hours charge or try to steal your money that way. You call customer service and they treat you like animal not professional the management told me and I told him, "You guys are pro at ripping people off."

I received a pre-authorization and decided I would got approved and changed my mind. I tried calling customer service and it was automated as usual. It repeatedly would not accept my info so I could not cancel the card. I did find and speak to someone on a different number who said just don't activate the card but then I'm afraid I'm gonna get charged. Plus their yearly fee is too high. Crazy, I feel it's a scam because I should be able to reach someone.

A short time after I got this card, I realized what an awful company. When I had enough money to pay Aspire off and be done with them, I did so. So I asked them precisely what I owed to get the balance down to zero and close it out and I paid that. Then a few weeks later, I was hit with "trailing finance charges," and to this day, I don't know if it was legal on their part, but I paid them anyway. So this August, the account was finally removed from my credit history, bringing my Equifax score down 2 points. The thanks I get for leaving Aspire in good standing. From my POV, a terrible cc company and one to stay far, far away from.

My husband did file Bankruptcy Chapter 7 and Aspire disregards this fact, disregards our Lawyer's letters, keeps sending us statements with late fees. I assume if this ends to the court one day I will bring my bankruptcy file and my Lawyer will support the fact that the card was listed under the bankruptcy file and every attempt to collect a debt will consider as a way to violate any provision of the United States Bankruptcy Code. I see Aspire could go up to 10 years after people who did file a bankrupt. I am curious if there is any legal way to stop this before we actually go to the court where Aspire should pay a fine for disregarding the facts.

Got a notice for collection also for an Aspire Visa today for 2005. Called the collection company who said it was continuous which is absolute garbage. I may have had this card years prior that was under bankruptcy over at least 10 years ago. He did say it went to collection 2005, 2008 and 2009, he was speed talking also as if he didn't want me to hear what the actual spiel was. I'm guessing whoever collected my bankruptcy info disregarded it and passed it along to the next company to waste some time, because this is no longer or has never been a debt I carried. It's also quite possible theft, but as it hasn't been on my credit report for the last at least 10 years, it is in fact invalid.

I received in the mail on October 7, 2016 a Debt Collection from NCB Management Services Inc about an Aspire Visa Credit Card account in default of payment for $1891.03! To my surprise and bewilderment I NEVER applied for an Aspire Credit card and I never received a Visa Card from Aspire! I immediately contacted TransUnion and placed a Fraud Alert for my credit bureaus. Today, I filed an official Police Report for Identity Theft and will find out why I have this card in my name and possibly who has done this criminal act. I am trying to contact this company but it looks EXTREMELY "strange" and shady. In fact, I did NOT see any actual Customer Service Number to phone them only an Atlanta, Georgia P.O. Box address. This is purely unacceptable!

This company was horrifying to deal with and ever so often they creep up like a weed. They only partially applied the SCRA, and this was maybe 16 years ago, but if they had fully applied it, they likely would have owed me money. They then sold the 'debt' and I've been harassed repeatedly through the years. I unfortunately don't have all the documents anymore. Through our military moves, we have had many things lost, but this was one of the most horrible companies I have ever had to deal with. I'm sure when I least expect it another company will buy the debt and I'll have to explain the entire thing again, but they tell me there is nothing I can do since Aspire sold the debt before resolving it. Way to show appreciation to Servicemembers and their families.

I received a called from ASPIRE VISA today 2/19/16 that they are taking me to collection for a card I supposedly had on 2005! I never had a credit card with them! They said I need to pay $1200 immediately to avoid collection. I read many people having the same fraud situation with this company! What should I do? Need help.

I had a card with Aspire Visa in which I had a $4,000 credit limit. I didn't use it for several months, and then when I need a new computer I used the card to purchase it. Shortly after I lost my job, and tried to contact the company, but for some reason neither my PIN nor the last 4 of my social would work (which you had to enter in order to speak to a customer service rep). I wrote them a letter on the invoice and mailed it back to them. A few weeks later I have a detective at my door ready to arrest me for identity theft!

I had an aspire visa card 8+ years ago. Not sure what happened to my account actually because it was so long ago. I'm sure my balance was no more than $500 if that. They waited 8 years to contact me. Over those 8 years my balance is now $3,128 which what they sued me for and now wanna garnish 10% of my gross wages. Never got a chance to fight it in court. I need help fast in what I should do next since they’re gonna start garnishing my wages soon. Any kind of help would be greatly appreciated!

I received a letter in the mail from PLAINTIFF: MIDLAND FUNDING LLC ASSIGNEE OF ASPIRE VISA ACCOUNT, claiming I owe a debt of $5765.00. A "Writ of Garnishment" threatens to collect my wages. Need help fast. I have no credit cards, how is this happening? I went through this years ago with Aspire. I never signed anything in agreement with this, nor have they provided anything other than a debt for a credit I never had. I received this notice Jan 7, 2015, stating I have 30 days until garnishments begin.

I had an aspire card around 15 years ago, it had a 500.00 credit limit. They started to charge me insane fees, so I cancelled the card. I paid off the balance and never heard anything until early last year when a law office started harassing me. Apparently aspire never registered me paying off the card, turned to account over to midland funding (whom I never heard from) and they turned over to a law office. The amount they say I owe is a bit over 2 grand, and they want that money, so out of fear of them garnishing my wages I started paying them a little bit every month. All they tell me is its aspire visa and they got the account from midland funding. They will not stop harassing me, they even started calling my work. The only way they will stop harassing me is either: I pay off the balance in full or I get proof from aspire that I paid this off. I cannot get ahold of anybody. I have no idea what I can do, and I barely scrape by and can't afford to keep paying this law office. Avoid aspire at all costs.

I have read so many stories regarding the Aspire Credit Card and its Bad Reputation. I am with You All ~ I opened a Card with only a $300.00 Limit in 2006...Paid in Full. Now I am getting phone calls from Portfolio Credit demanding $3,840.00!! What!? I'm in Shock! It is on my Credit Report but showing Under Columbus Bank and Trust Co. Which I have Never Heard of...And No Idea why. Can anyone tell me if Aspire Credit Card is any way Associated with Columbus Bank and Trust? I have worked so hard over the years to get my credit rebuilt and am shamed to see what these companies can get away with!

I received a packet from Portfolio Recovery about 8 weeks ago. It said I owed $1,297.00 on an Aspire Visa I got in 2004-2005. The problem is I never had an Aspire Visa. I wrote on the letter that it was a fraudulent account. I had moved to another state a year prior to the opening of the account. Although Portfolio acknowledges my dispute, now they want me to fill out an identity theft affidavit and have it notarized and sent back to them along with all my personal information and copies of my driver’s license, social security card, copy of police report, copies of other letters I received regarding the debt, and proof of where I lived during the time of the fraud.

After paying off Aspire years ago, I received a letter from a collection agency stating I owe them $1,183. I am tired of this company getting away with their illegal practices of trying to collect money from consumers who paid their bills. Why doesn't the FTC put a stop to this? There have been enough complaints against them. If anyone wants a class action suit against them, I'm in.

After years of being with them, I was dropped like a hot potato without any explanation. All they said to me was, "I am so sorry." This is a 10-year relationship. Now I am unemployed, I paid my full balance. First I sent in $40 by the due date, and then sent the remaining $735.54 by the following week. I got a bill, but the person I spoke to didn't care about my situation and said I still had to pay the interest charge. "I am unemployed," I said. I paid. Well, I truly do not recommend anyone to even think about taking a credit card with Aspire. They are unfair to their customers. You can hardly get a hold of anyone to talk to. Please do not trust Aspire!

Aspire closed and dropped off the face of the earth. My account closed overnight. I never even received a letter or anything. I didn't know where to send payments. No customer service number, nothing. Now Midland is on my credit report as well. Aspire, I believe went bankrupt. Anyhow, I’m now fighting with the 3 credit bureaus on this. What I just learned is that, if the collection agency is not able to fully validate the debt with original contract, complete list of payments made, full explanation of interest, etc. (why balance is what it is), that legally they cannot report to the credit bureaus.

Credit report info sent by this company - I told this company this card was stolen years ago. I never used the card. I never made purchases with this card. My wallet got stolen and it was never recovered.

My account was paid in full several years ago through a buyout. I have proven it to the collection agency at least 7 times. They called again today and wanted me to pay again! I refuse to send paperwork again, proving I have paid. It hasn't made any difference in the past. Look through your records carefully, I have paid this! You should have to prove I owe it. I should not have to prove myself again!

I had an Aspire credit card for I think about 2 years. It was a $500.00 credit limit, so I never got to carry a huge balance. I used it for emergencies usually as I have 2 other credit cards with much higher credit limits and I never had a problem with those cards. I charged some smaller items, always paid my bill on time or maybe one day late. They would soak me for 40-50 dollars if they got the payment a day late or even just said that the payment was late! It was a constant headache. They would call me before a payment was even due, tack on all kinds of crazy fees and the crazy fees just kept adding on. The last few months, they actually started charging me a $7 payment fee, meaning I had to pay them $7 to give them my money! That was on top of a processing fee, a cardholder fee and an interest rate that climbed every month.

I had an Aspire Visa Card approx. 10 years ago and paid them off. I am checking my credit report and come across a creditor by the name of Jefferson Capital System. When I called, I learned the account was Aspire Visa and I owed $2252.65. I was appalled because this account was paid in full. Now, I am being pushed around and cannot get an answer from Aspire Visa, Jefferson Capital or ALLW Sourcing.

A couple of months ago, I set up a 3-month automated payment plan with Aspire, but they did not process my payments. When I called, I discovered that the bank account number they were using was off by one digit. When I checked my online record, the number was correct. When I asked to speak to a manager, I was told that no one was available and that I need to call back the next day during EST business hours. Because of my work schedule and current lack of a cell phone, making a call during those hours are difficult. I said I would try, and the customer service rep wouldn't accept my answer. They never offered to call me back or made any effort to put me on hold to wait for the manager.

I received something in the mail today, stating that my state taxes were garnished, due to a debt that I supposedly owe to Aspire Visa. They collected $460.00 from my state taxes. The problem is that they have received their pay off money in 2005, and I sent it to them with no response regarding my payment. Now, 7 years later, they are taking my state taxes, and saying that I owe them $2,313.34 dollars. This all for a card that started with a $500 limit. So all together, for this, they have already collected over $1,000.00, and still want another $2,313.34. When you call the company that advocates for them, they are rude. They say they don't know what to tell me, and then say were going to continue to collect a debt. This is not a debt that I owe!

I had a card with Aspire. I paid the entire balance with money from a tax return in April 2007. I cut up the card and didn’t think anything else about it. In September 2009 I got a letter from a collection agency saying I owed money, but they wouldn’t even tell me to whom. I eventually found out it was Aspire. I have told them several times the account was paid off and closed. I even sent copies of the check I sent to aspire. The last I spoke with anyone about this was October 2010. They stopped sending me letters but somehow this ** is on my credit report that was pulled up today when I tried getting a loan. It shows that I had correspondence with them 4 months ago! Yeah, I was in Iraq 4 months ago and surely didn’t talk to anyone from Aspire or Midland Credit. How in the heck can I even contact them when it shows their phone number as (111)111-1111?

I am very disappointed in Aspire and the Visa Card I had with them. I was in good standing and they closed my account a several years ago. I had a pretty large balance, so I have been paying off my balance every month. I have not been late. I usually pay online, but today, I tried to pay them and the website will not work. I cannot find a phone number. I signed up for paperless billing so I don't have a paper bill to get a number from.

Well, I got the protection on my account so that if I couldn't pay or lost my job they would pay the account. It never happened. I also want to know if they can be taken off your credit report if they are bankrupt and do I still have to pay them?

After this scam credit card offered by Aspire Visa, I had a $75 starting limit after charges. So I spent $75 and out of the blue, they closed my account. Then for 15 months, they charged me fees totaling over $900. So $75 in actual use and now, I have over $1290 in collections. I am reporting them to every agency that will listen because this has happened to thousands of people and I don't see how they can continue to prey on people. I thought loan sharks were illegal. They did commit over 8 illegal acts while I had an account, according to credit card laws.

I am trying to deal with this situation as soon as I can before I actually get served with the papers I am being sued. So far, it is a threatening phone call by a "law firm" who they say "bought out" some overdue accounts from Aspire Visa. They claim that I borrowed money (wouldn't say how much) back in 2006. I honestly don't remember getting this card or not. However, a man claiming to be from the firm says I am going to be sued for over $2,400. He was very rude and seemed not to care about anything but getting the money. He asked me for some kind of number or case number of which I don't have. He seemed to be surprised that I didn't have this information. I haven't even gotten any statement at all, ever, and I understand Aspire Visa went bankrupt back in 2008.

After having this card for a few years (a company that is apparently owned by the same company), salute; they contacted me to open an account with them. After both companies increased my credit line a number of times, they closed both accounts saying they were no longer in the credit card business. I am still paying on both accounts, and neither will discuss lowering the interest rate they charge.

I opened my first credit card account with this company in 2007 and was notified that they were closing all accounts due to bankruptcy in 2008. At that time I had a balance of approx. $1700. Since that time, 3 years ago, I have been paying the balance off. I was new to the entire credit card game, therefore I was only paying the minimum amount due and then eventually started paying late. Although I have no account to use, I have been paying and paying and my balance has only recently gotten below $1000.

Aspire closed everyone's account and still charging me 29.99% interest rate and their payment website lists this: Payments are posted to your account upon receipt. We reserve the right not to increase your available credit until your payment has been processed and verified, which may take up to 5 business days.

My mother opened an account with Aspire and registered me as an authorized user. The card went bankrupt and the account was closed. Now there is a 29% APR and I am trying to settle the balance, but there isn't any phone number to contact them. I have sent e-mails, but have gotten no response. At this APR, I will never be able to pay this down. I need some assistance on how to move forward settling this issue as it stands it appears on my credit report and I am in the process of cleaning that up. Thank you in advance for your assistance.

They have sold my account to Midland Collection agency, located in San Diego, CA. And it showed $1040.00 to pay off with the courts. They are trying to garnish me and this was in my bankruptcy.

Payment was made to Aspire Card on time through SunTrust Bank on line, but the payment was posted nine days later and a late charge was applied. This has happened quite frequently in the past. I never had any issue with any other business about my online payment except Aspire Card. Is this another scam by Aspire? My balance is only about $530 with a minimum payment of $16. By adding a late charge of another $16, my payment for this month is $32.

From the very beginning, I have not trusted this card company. In December 2008, they advised me that Columbus Bank and Trust (and serviced by CompuCredit Corporation) was no longer sponsoring Aspire and they closed my account.

I had an account with them. They closed it with an outstanding balance of $350. After months of making $30 payments, the balance was up to over $500. I sent a letter with a check for $300; both the letter and the check clearly state this is a settlement offer and negotiation of the $300 check constitutes their agreement to the settlement. They cashed the check but haven't closed the account.

I am trying to pay my bill on time as I do every month. Aspire CC has set the dates on their calendar to 12-10-10 as the first time I can make my payment. My payment is due on the 6th of every month. I do not want to pay their late fees nor do I want them reporting me to the credit bureau as being late. I am worried that they will do both, charge me late fees and report me. I have excellent credit. I have tried to call them and there is no phone number listed for them.

I called this card service and was told that I had late payments, which is not true. I pay on time every month. They closed my account and now, they keep on overcharging with fees. At this rate, I will never pay them off. Why do I have to keep on paying high interest fees when they closed my account? I would like to file a class action about their practice. Is there anyway I can do this? Somebody needs to step in and help us stop this practice.

While serving on active duty with the U.S. Army, I opened an account with Aspire visa (2000). I only used the card a few times and paid all the bills on time. In 2001, I got married to my husband who was active duty Navy and we were transferred to Italy. I continued to pay my bill every month until we thought it was paid off because I never received another account statement or bill from them.

I also had an account with Aspire Visa and never missed my monthly payments. Then one day, I got a letter stating the account had been sold and I would be getting a new card. Upon receiving the new card from Tribute Bank (Visa), I learned the account was closed permanently. Over the past 18 months, I have paid my account on time but two months ago, they misapplied a payment and then called me regarding it.

I opened a secured card up with Providian for $1,200.00 in 1997. About seven years or so later, my account was transferred to Aspire with. Then, I was charged $1,100.00 for the card shortly after I noticed that I had no available balance. At that time, I called Aspire and they informed me that my account had been closed. I went back and forth with them for three years about where my security deposit was--not one person even knew what a secured card was. I then told them that when they find my security deposit, they should apply it to my account and I would pay whatever late charges will be accumulated. Well, they sued me for a total of $1,900.00 because Providian decided not to inform Aspire that my card was a secured one. After 13 years, I have no record of my security deposit.

Call Center calling repeatedly and harassing for payment. Attempted to set up payment plan but rep refused, I stated that a payment would be made the first of the next three months. The rep kept stating that I needed to make the payment immediately or face consequences. Again stated that the payment would go out the first of next month and the rep kept pressuring for a payment earlier. The calls are frequent and several times a day from dawn to dusk.

I have been receiving numerous phone calls from Aspire Visa regarding my mother's credit card account. My mom just got released from nursing home on May 24, 2010. I reported to Aspire in Aug. 2009 that she was in nursing home. I told them I was her power of attorney, and that she could not make any payments. They continued to call, and I would just hung up. In June 2010, I made one payment to them from my bank account hoping it would stop the calls, but they have escalated and become harassing me and my 13-year old daughter. They call the home phone and my cell phone at least 20 times a day. They give false names and they have an Indian accent.

I have been trying to contact this company concerning my neighbors account. She is 90 years old and has a credit card from this company. They are claiming she has a account balance of more than $3500.00. The card she showed me has expired. I want to ask them how can she use it to charge anything when it has expired. Each month the balance keeps going up. When I tried to call and they transferred the call, I get disconnected. This has been going on for 2 months and I am fed up. This lady needs help. She is on a monthly fixed income. If anyone has the answer please contact me at my email address, so I can do what I can to help her.