Aspire Visa Reviews

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.

These two are the same company and after Aspire lured me in with a low interest 'to help rebuild my credit' they then sent me another card that I did not request or agree to and in fact because I thought it was only an ad letter I threw it a stack and didn't open it for over a month until I got a bill for a charge on that card. Apparently, they charge an annual fee and had applied it to a card that I had neither requested, or called the number to activate the card. Because I already owed the fee and they wouldn't close the account unless I paid it, I ended up eventually using the card during a hardship and faithfully paid every month on time, even then they'd already raised my rate for no reason.

I got an Aspire Visa Card over 4 years ago due to the advertising which stated that I could rebuild my credit after a bankruptcy. I faithfully paid my bill on time over and above the minimum and paid off the balance several times.

This account has been closed for over a year and for the life of me I cannot figure out why this company can and still charges an account maintenance fee of 6.50 per month. I always pay well over minimum due but the balance seems to be going nowhere. I think it should be against the law for them to charge this as they are not maintaining anything. I am just trying to pay this off. This card is the worst I have ever dealt with and after researching, there's a lot of people with the same complaint, and oh my gosh if you're late, they jack the interest rate up to 31% and they make it very hard to make payments online.

I, like so many others, had Aspire closed my account. I was never late on payment and I still pay each month to keep my credit clean but Aspire Visa/Bank still charges me a monthly account maintenance fee. I don’t see how the consumer affairs can let this keep going on. Have you looked at the complaints that people are writing? We are saying the same thing. My wife also has one and the same thing went on but there they offer to pay 1/2 to pay off. I do owe the money. I don’t think I should be charged a monthly fee. They closed it, not I. I think that Aspire will make tons of money on people just like us.

My account has been closed now for 3 years, and every time I make a payment, they hike up my balance. Also, they are charging me $9.95 just to process a payment over the internet, when before it was free. This is crazy, and they need to do something about it. don't no one have this type of money to give them, and my balance is 300 something. I should be finish by now. I do not use the card at all. This is horrible.

They keep raising my balance account, has been closed for over a year like for example my balance was 568.00. I paid 40.00 and the next month my balance is 575.00. I'll never get it paid off at this rate. They always have more fees than what you pay. My account is not ever late or over the limit. So what can I do? Paying way more than the account balance when they decided to close everyone's accounts.

This account was closed about 2 years ago from Aspire stating that they will no longer be carrying credit cards. However, they still charge late fees to my account! Also, for 2 1/2 years, they never reported to the credit bureau and when I call to inquire, they finally reported then placed late fees. I didn't have on my account!

More than a year ago, Aspire cancel my account without any ad. After that was a nightmare, the interest rate rose up to 29.75% and still, I called several times to complain it, but without any success, like a stone wall. My credit line was $2,500.00 when they canceled the account, the balance was $1,400.00. Now, after a year, the balance is $1,092.00 when I have been paying $100 every month. I paid more than $1,400 and reduce my debt to $308.00. Also Aspire charges for every thing,. If you pay by phone, the last time I have used was $14.00, their website doesn't work for more than 6 months, don't send the bills regularly.

Aspire closed my account over a year ago. After falling behind payments and getting numerous phone calls, they offered me a plan to pay 10% of the balance with no interest as long as I paid the past due. I did that. I have paid on time and now they started to charge interest again. When I called, they said the program was for a year. Even the supervisor said there was no program to continue that. They closed the account with absolutely no explanation and I was paying up til the time they did that. I am willing to pay according to the terms they offered when they closed the account and I got behind. I don't understand the inability to continue this payment arrangement and why they are so callous. If anyone gets an offer to get a card through Aspire - Shred it. I haven't checked my credit report to see if it was negatively affected.

I had an account with Aspire and they closed my account without my knowledge The account was opened in 2004 and my interest rate was 9.9% and now it's 2010 and it is 27.50%. They still continue to submit negative information to the credit agencies as if I closed the account .When their office was the one that actually closed it

Aspire Visa Credit Card company has been practicing applying frivolous charges to a credit account that has been closed. They notified me that they were closing my account around the time the FTC filed a lawsuit against CompuCredit and have since then been applying offer the limit credit fees, late fees, interest and maintenance fees on a closed account. I wanted to pay the account off. But every time I receive a statement, there is always additional frivolous charges applied to scam the consumer. I would like to file a class action against them for their fraudulent credit card practices. They have also reported two accounts on my credit report causing my score to be lowered when I only had one account with them. I need help in filing a class action lawsuit against them. My credit score has been affected as a result of Aspire reporting two accounts on my credit file instead of one.

My account was closed several months ago. I had a balance on the card that I was paying down. Meanwhile, my account number was changed with out my knowledge and when I tried to pay my account online, the system asked for my account number. I was late making my payment and they put it on my credit report. I want to pay this card off in full but I want the late payment removed from my credit report. Since it was their fault. I was told no way. I told them that I will find a lawyer and put together a class action lawsuit against them.

Look, Aspire wants more fee now: By clicking "Make payment", you understand and agree that there is a $9.95 fee for making payments online that will be deducted directly from your checking or savings account on the date of your scheduled payment. Please be aware that you may see two transactions on your checking or savings account.

I have 11 credit cards, and by far, Aspire is the worst. If you have these cards, I am sure you know what I am saying and should write your local congress person and file a complaint. They change the agreement without notice and at any time. Additionally, they will charge you $9.95 to pay electronically. If you have any sense at all, please do not allow yourself to be taken by these two card companies. You will pay a huge cost to do business with these **.

When the account was opened, the credit was $300. Now on my credit report, they’re saying my open line credit was $2,200.00. That is not true. I tried to resolve this matter professionally, on my report the information is inaccurate, unverifiable, and incomplete. Therefore, I asked Aspire Visa to remove this from my credit file. Customer law, from my understanding, the company is no more if they close every one account. I want this matter settled in 30 days or I will notify my lawyer.

In 2005, I paid off my Aspire Visa Card via settlement. Needless to say, they were very difficult to deal with prior to this.

Terrence, don't be a fool. Investigate or bring a consumer lawsuit. Those "big stuff" will need to fund raise or political donation at election time. Would they back us up or those bankers? Just pay Aspire as I do. I guess.

Someone needs to investigate or bring a consumer lawsuit against Aspire Visa. This company appears to be conducting illegal and certainly unethical conduct. See the many comments in the consumer affairs section. A class action lawsuit appears to be needed. I need help.

I have had this account with Aspire and they closed all their accounts last year. I have been making my payments online for a fee of 4.95 charged on the card, which I did not like but it was cheaper than a late charge because I had 5 days to make a payment after I received my bill and it would take 8 days to get to them. They now, as of Jan 2010 are charging my bank when I make a payment online a fee of $9.95 which was never disclosed to me and I have contacted my bank in reference to the charge. How can they get by with charging my bank a fee for making a payment on and account they closed, not just for me but for all their customers?

I went online and got the telephone number for Aspire because my daughter, who does not even live with me nor does she have the same last name, has been getting phone calls from someone asking for me, saying that I owe Aspire over $1,300.00 for a credit card that I paid off over four years ago. The amount at the time was $452.00--that's with over limit fees when they stated that they didn't get payments on the date owed and the reason I cancelled it.

I called them to see if I can just pay off the card without paying all of that interest fees they keep tacking onto the card; they told me I had to pay it. I asked them why are they still adding on interest and putting on all of those other payments fees when I'm not using the card. The only thing she can say is I have to pay it, because when I use my other cards, I have to pay interest. I told her yes but I am able to use that card; this card I can't use it, plus I asked her if I could speak to her manager. She said there isn't anything they can do. My question is why do we have to continue to pay all of this extra stuff when we are not using this card?

I have always paid my payments on time, and I just looked online, only to find out that my balance is not going anywhere, but higher! They are charging me for a maintenance fee on a card that they closed on their own, and I have used since November of 2008. They are a complete rip off, and have no contact information. What can we do about this?

Aspire Visa closed everyone's account with no reason. I still make payment monthly with 31.99% interest rate. Now, they increased the payment fee online: By clicking "Make payment" you understand and agree that there is a $9.95 fee for making payments online that will be charged to your credit card account. What a bloodsucking credit company.

I have had this card for quite sometime now. I used to pay online, but they sold this card to someone else, so I usually pay by phone every month. This card was stolen in 2007, and I never got a replacement card, but I continue to pay. In March of 2009, I had a balance of $795. In December, I have a balance of $1,800.00 which they tell me is in late fees for 6 months, and other fees.

I opened an Aspire card account and was paying all my payments on time, sometimes even a week or two before due date and above the amount due. Then, I received a letter informing me that they will no longer keep the account open, but I must continue making payments. I must admit I was a bit disappointed, but I continued to make my $40.00 payment (minimum $20.00). I usually pay on line and there was no fee. Now, I went on line to make my payment for this month and there is a $9.95 fee for processing my payment on line. Not to mention, they charge a monthly maintenance for an account that is no longer active with a credit line. I am requesting someone to look into this matter as I did look on line and found out that there are others out there with the same issues as mine. I went to Aspire card complaints.

Unable to make payments on my credit card which resulted in it going into collections. The company does not have a customer service number I could locate. After I received the card, I checked the available credit of $150.00. I was advised that I would be receiving a minimum credit of $1000.00. My credit score was badly damaged.

I received a settlement statement from Enhanced Recovery Co. to settle a delinquent account. They received the account from Midland Funding LLC who had the account turned over to them from Aspire Visa. I was told the account was opened in Illinois in Oct. 2005. I resided in North Carolina. The account was also opened in my maiden name and I no longer used my maiden name. I used to live in Illinois, but I have not lived there for several years and was not living there at the time the account was opened. I did contact them over the phone and they stated they would stop future credit attempts. At this time, I have not heard from them but I still have been unsuccessful contacting the original creditor, Aspire Visa, to figure out how someone opened the account in my name. I am truly at a loss.

I have no idea who to call. Aspire Visa has no phone no. on the bill. I had a charge of $999.99 charged to my account. I disputed it and they denied it. I sent in paperwork 3 times. They said they did not receive it. Then they said, they did not receive it within the time frame, this was a lie. They have many late fees added to my account when I don't pay late. I send in payments 2 weeks before due date. What do I do? They have also hit my credit report with late payments. There are many charges but not justified.

My Aspire was closed just like others without any fault on me. Still paying my monthly payment with sky high rate of 29.99% through mail (because Aspire will charge $4.99 for internet payment). I just got a mail from them stating that my account will be transferred to CompuCredit and I still have to keep paying my balance. Does anyone know what is going on about this transfer? Thanks.

Since Aspire closed everyone's accounts, it seems they are not being honest with their account balances. I was with them for 5 years and never had a complaint. The last few months, my balance is going up instead of down. I e-mailed them last month two times about why my balance was more and refused to make the payment until they gave me an answer. I never got an answer to either inquiry but received a special notice saying I was now being charged a $39 late fee. I had never been late before. So, I went ahead and paid the $39 plus my regular payment of $36. My balance last month was $914.95. I paid $36 towards it and this month my fees were $21.33 and my balance is $921.45. Again, I have written them and told them that this time I expect an explanation and will go to an attorney and initiate a class action lawsuit if necessary. There are hundreds out there that are having the same problems as I am and I think we should not stand for it. Anyone who would like to contact me can do so at **. It is time we get answers.

I have had an account with Aspire for a few years and always made my payments on time. Last year, I was notified that my account was closed, not because of my payment history, but because of the bad economy. I have been making my monthly payments on time each and every month since then. On each statement I get, there is a "maintenance fee" of $6.95! (What exactly are they maintaining, I wonder.)

I recently received a letter from Aspire. It says, "Hello! You will soon have a new creditor. Your closed Aspire account will be transferred from Columbus Bank and Trust Company to CompuCredit Corporation on August 22, 2009. A copy of your new privacy policy with opt out form is provided at the end of this letter." This letter goes on to say, "Important facts about your closed Aspire account" and it says I'm obligated to pay my outstanding balance in full under my existing terms. I will get a new account number. My account will remain closed to new transactions. I have no clue what is going on with Aspire. I never closed my account and I pay my bill every month and pay on time. If I can pay extra, I will, but they're saying I need to pay off my balance of approximately $800.00 right now. Are they kidding me? I have not even used that card in a very long time. I'm not sure if they even sent me a new one. The old one expired awhile ago and I wanted to pay it down anyway.

I tried for over a week to submit a payment online and it would not accept my payment. I waited another day and tried again. Nothing happened again so I emailed customer service and told them about my problem. They offered other forms of payment and to try again later because they were having technical difficulties. I tried again and nothing happened. I tried to pay over the phone but my SS number and account number could not be found.

I opened an Aspire Visa Card in 2005. In early 2007, a suspicious charge appeared on my bill. After finally speaking to an actual person, it was stated that I did not need to pay my minimum amount due at that time until the discrepancy was resolved (which is also stated on the back of each billing statement). The next month I received a bill, with a late fee and a notice that my APR had increased. I again called the company, at which time they again said that it was a mistake, etc. and that it would not happen again. Of course the discrepancy was not settled and on the following statement, I was charged another late fee, which sent me over my credit limit, which incurred another fee.

I opened an Aspire Visa Card in 2005. In early 2007, a suspicious charge appeared on my bill. After finally speaking to an actual person, it was stated that I did not need to pay my minimum amount due at that time until the discrepancy was resolved (which is also stated on the back of each billing statement). The next month, I received a bill with a late fee and a notice that my APR had increased.

I canceled my card at least 6 months ago and sent in the card cut in two. They keep charging me interest and over-the-limit fees. My husband died last July. I was willing to pay what I owed, which was about $500.00 at that time. But they took my money but keep charging me the $70.00 a month. I just quit paying them, because I couldn't get anyone to help me. I was willing to make payments, but it was impossible at that rate. I draw a little over $600.00 a month.

The company, even though I was regularly paying my bills on time for years, ended the credit card program and closed my account for no apparent reason. I was unable to make payments online or even find out why they terminated me. This caused late charges. They did nothing to transfer my account to another card. I do not like paying fees to a company that treated my business so shabbily. I was unable to use my card for traveling and other needs, as they seemed to deny my card every time I used a gas station. I became behind with the payments and my credit picture became desperate.