Aspire Credit Card Reviews

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.

I obtained a VISA credit card from them in 2005. My credit limit was $250. When I lost my job, I was unable to pay the monthly payments; however, when I got back on my feet, I contacted them to try to make payment arrangements and get control of the account. At that time, I was told that I needed to pay the entire balance which had mounted to over $700 because they were adding over the limit fees and late fees monthly. They refused to work with me stating that my account was being turned over to a collection agency.

I attempted to make my July payment to Aspire online. It would not go through. I have been making my payments this way for the past 5 years, even though there is a $4.95 charge for making online payment due to the fact I have been out of the country for the past 3 years. I contacted the company and told them of my problem and that it was the only way I could make my payment. The reply was that there were other options available to me. Again, I explained to them my situation and again, I received the same reply. This went on two more times with the same results. I wrote a lengthy e-mail explaining my situation in detail. The reply I received now was that the system to process payments is down and would be fixed shortly. It has now been over a week and the system is still down and my payment is due on the 11th. It is totally frustrating that I am willing to make a payment but the company is unwilling to help out but is still telling me that if I don't make a payment, I will get charged a late fee. I have googled this company and was amazed at all the complaints against them. Thank you for taking time to read my complaint.

Aspire Visa said I opened an account #** with them in 1999 and used it until 2007. I stopped paying. They sent it to a collections company. I still didn't know Aspire Visa or Midland Funding LLC. I felt it was all a scam after they kept calling and demanding payments, saying I had been paying but then stopped. I had never paid them because I didn't even know who they were. They got nasty on the phone, I got nasty. They called at my husband’s job, so he got nasty also. The attorney named above had me come to court. I had no defense to show that I didn't open, use, pay or know of this company, the attorney didn't either. But they did have a typed history of the account and sent me a history also. I had to pay $4,153.72 to a company I never heard of before that time.

Aspire Visa allowed my mother-in-law to open an account in my name somehow in 1999. She charged lots, returned lots, got cash back, cash advances, catalog ordering, went over limit, paid and was charged NSF fees paid even less, until she stopped in 2007. Aspire now sent me statements. I treated it like a scam. Then calls started early and late, even on my husband’s job! I asked for anything with a signature or bank account # P.O Box. All I got was ** up credit and nasty phone calls that pushed me to use some choice words.

In 2003, I had an Aspire Visa. I had trouble contacting this company. There wasn't a toll-free number or a number on the bill, so when I found the bill was wrong, I couldn't contact them to straighten it out. I found a number, but I couldn't understand what they were saying or they would not answer. I always got a tape recording. After 6 months, I gave up. Now after 5 years, they have contacted me and taking me to court stating that I was notified. Out the blue, they're contacting me. But the way it sounds that they contacted in 2006, no. They want 8% more annually. I originally only put about $300.00 on the account. I sent a letter and the card back in 2004 with no reply. Meanwhile, they ran up the bill to $1,166.00 with late charges or whatever they could charge me with. They are just stabbing anyway they can to get money. They are lying about when I last used this card. Abusing me and using our court system to collect money from their victims. They recently went bankrupt.

I have an account with Aspire Visa. They closed my account for no reason other than I was led to believe that they went out of business. And now, I can't get anywhere with them. I make my payments on time and now I've seen that my balance has gone up instead of down. I mailed off my payment to them instead of paying online because they jacked on a fee now to pay online. They have yet to cash my check for my last payment. They are going to ruin my credit.

I had this account for at least a couple of years without any late payments, always paying more than what was required. Approximately, eight months ago, I was informed that my account was being closed. I was informed that it was nothing I had done. I was led to believe by the customer service representative that this company was filing bankruptcy.Even though my account has been closed, I continue to receive maintenance fees in the amount of $6.50 every month. Upon calling the company to inquire about these fees, I could not get an answer. I am also not receiving monthly statements on this account nor is there any information provided on their website. I do believe this company is committing fraud against the account holders and something needs to be done about them ripping off innocent people.

I opened the credit card account in 2003 with a promised credit limit of $300. When I received the card, $179 dollars was charged for enrollment and another charge was taken out. I had a credit balance of only $75.00. I called the customer service to see what was going on and she said those where charges for membership fee and processing fee. I received a letter from a collection agency stating that I owe Aspire $1,500.

I still can't understand this company. They have caused me so much undue stress. Can't we do something to protect us?

I have had this credit card for about three years. About five months ago, they closed my account and was told they were going out of business. I made the final payment on time and that was it. Now, they are saying I owe them $3.54. I have tried to resolve this with them directly but keep getting the runaround. They will not re-open my account. I would pay the $3.54 because it is such a small amount but I honestly don't owe it. Also, this was a secure credit card. Shouldn't I receive my security back? I noticed there are thousands of other consumers who are complaining about this company and their stories are the same as mine. I also noticed that New York City has sued them because of their illegal practices. Why is my credit taking a hit and what do I do to resolve this issue?

I had Aspire Visa problem just like everyone's complain here and very funny that on Aspire Visa web, still no change showing. Can I use my Aspire Visa at ATMs? Yes, your Aspire Visa card can be used at ATMs that accept Visa credit cards. Please refer to the Terms and Conditions for any fees that may apply.

In 2006, I was preapproved for a Visa Aspire Credit Card. I was told that I would receive a $300 credit limit. When I finally reviewed the card, $150 had been taken in fees, leaving only a $150 balance. For the year of 2007, I made a small purchase and charged $150 on the card. I kept up with payments and somehow lost track and was late for no more than a week or two. The fees acquired for being late set another set of fees for exceeding my balance. On top of that, there were yearly and monthly fees for over $100. In the end, I had $800 in fees and only $150 in charges. I paid the $800 off in 2008.

I had been paying all these years over $4000 to Aspire Bank for a credit card with less credit limit. I lost my employment and they increased and charged me twice or more the original debt. I'm still paying but after reading about this bank's complaints from other consumers, I need more information about this bank.

I wrote earlier about Aspire and Tribute credits cards. In addition to the previous ongoing lies and problems I've had with this company, last month they claimed over the phone that I was on a hardship program; my payments were set at $30 per month, 0%; no more late or over the limit fees for 12 months. I made the payment as agreed. The next one is due in 10 days, but they are already calling me several times per day threatening me. When I returned the call this morning to ask why I was getting these calls and threats when I was already on a program, the guy (Bruce **) told me that didn't matter; they were moving forward to collect anyway. Then when I tried to ask why and mentioned Tribute cards, he started shouting at me and then hung up on me.

Does anyone know if any lawsuits are filed against Aspire Visa? If so, please contact me to put my name on the list. My wife and I both have an account. We received our letters of accounts closing. I don't mind paying for what I owe; I just think the monthly fees and interest should stop since the card is no longer any good. We pay maintenance fees for a card that has no activity. We got the cards to hopefully help build our credit back up but instead hurt it even more. Please send me information on any suits or anything I can get my name on for this fraud.

I closed my account several years ago after Aspire added fraudulent charges to my card. Shortly after I closed the account, the interest rate was raised. I have been paying on this closed account for 4 years now but I can no longer afford the minimum payments. I sent a customer service email asking for a lower interest rate so I can afford the minimum payments. The response was, "too bad." The company's policy does not allow lowering of interest rates. I did not apply for the card; it was sent to me by the bank. Was I ever sorry I foolishly accepted the card! I understand banks can charge any interest rate they want, but it is foolish to refuse to lower the rate when someone can no longer make the minimum payment. Why has this bank been allowed to continue on in this scummy, sorry manner? There must be some fine point of law that can be raised in defense of the thousands of people who innocently fell into Aspire's greedy trap?

They closed my account without notice and now they are continuing to overcharge on the payments. This is not right. There are over thousands of other customers with these complaints. Why do we have to pay for a bill that is no longer in business and still overcharging you? I have never been late with my payments. This company should be sued for fraud. How do I go about doing this? Please let me know as soon as possible. I don't want to continue paying this company knowing I will never pay them off. This not fair to me or other consumers with this company. The Attorney General should look into this matter or FDIC. My bill never goes down, only up. This month, it jumped from $5,640.68 to $5,666.18; the finance charge is $125.73. This is an outrage on their part. I hope you go to the Aspire cards and read what others have written about this matter. Please help.

I believe the year was 1999 and/or 2000 when Aspire Visa sent out a credit card offer to me. Upon activation, you must transfer your monies from your checking account. I did just that, then just after a month, these unexplainable fees started mounting and I cancelled. My monies were used on this cc only not averaging sixty dollars for the month that I had the card and now they are suing me for $890.

In March, I sent payment for $27. I missed payment by $2. I have received new bill stating owe $2 plus regular payment comes to $30 due on April 14. I have been receiving phone calls every day at least one or more every day. I told them I would send full payment of $30 on due date. I'm still getting calls every day. Sometimes, when I pick up phone, only music plays. I went to call back on number they used to call and it said it is disconnected or no longer in service.

After Aspire Visa closed my account just like others with no reasons, I'm still paying more than the minimum payment each month with 29.99% finance rate. Is this fair? US Government is working hard to save the bankers and other big companies. How about us, the taxpayers? Where is FTC and other agencies? Do they ever read or heard how taxpayers are being treated by Aspire Visa?

I too received the letter terminating my credit card account. I, like many others, have had my credit card for many years, and have been making timely payments. Since receiving the letter, I have placed several calls to them but I cannot get an answer to my many questions. I, like everyone else am furious about the actions of this company, and agree that something must be done.