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Aspire Credit Card Reviews

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678 reviews
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About Aspire Credit Card

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Pros
  • User-friendly signup process
  • Generous credit limit offered
Cons
  • High annual fees and interest rates
  • Unexpected account closures

Aspire Credit Card Reviews

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    Page 4 Reviews 270 - 470

    Reviewed Jan. 5, 2010

    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.

    What fees? I don't even have a card or a number to use the account. I can get no reasonable answers from the company, except you where late. I pay the Indians every month. They are instructed to call me for payment, and they do, but no one can give me a reasonable explanation for a $1,800.00 hike in fees, but I must still keep paying them. I can't afford a $1,000.00 hike in fees every six months.

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    Reviewed Jan. 5, 2010

    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 Not to mention, they charge a monthly maintenance for an account that is no longer active with a credit line.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.

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    Reviewed Jan. 4, 2010

    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.

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    Reviewed Dec. 22, 2009

    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.

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    Reviewed Dec. 8, 2009

    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.

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    Reviewed Dec. 3, 2009

    On Noverber 2008 I received a lettet stating they were closing my account as of December 2008. I always made my payments on time. I was able to make my payments on line thru the Aspire Visa website with no payment fees. Then in february 2009 they started charging $11 for payments fees. I tried to make a payment online by Aspire Visa and the website to longer exist. I never recieved a mail stating they changed their address when I started making payments thru my bank. I made a payment of $200 by error and they claim they recieved the payment a day late due to the fact that they changed their address. I spoke to 2 customer service and a supervisor. The top supervisor said that he would waiver the $35 late fee and I would not have to make the payment of $74 until the end of November. It was never process. I spoke to another customer service name Priscilla and she assisted me and said that she would put me on a payment plan for 6 months and it will not include interest. My balance as of October 3 2009 was $577.83. Priscilla said that the can take $50 form my bank on November 16th and $24 on November 30th. I called to check my balance December 2, 2009 and my balance is $575.99 (only $2 difference from 2 months ago). They never waived the late fee and they charged me another $35 on top of this. Priscilla never mention that I would pay another late fee. My bill was due on December 2 and they received the money November 30 which is not considered late. As I mentioned before I was never made a payment late. Priscilla said that I would not have to pay interest for 6 months as of November 10th.
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    Reviewed Dec. 2, 2009

    I had a Aspire Card for Quit sometime. Always paid the bill. Havent heard from them in over 2 years or so. Threw the card away. Went thru a bankruptucy about 7 years ago. Now got a letter from a laywer stating i owe them 1169.00 for my account. Did they miss sending me the bills or what. Now gotta try to figure out how to get the information on my account for them to pay. What a rip off. Go onto website, no phone number to offer. I dont care about paying the bill, however i dont want to get charged an arm and a leg in doing so. Iam on such a tight budget
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    Reviewed Dec. 1, 2009

    I have been a member for years and they closed my credit card along with everyone else months ago. This was my first card out of college and I felt a little sentimental about it, so i never canceled it. THEY ARE A COMPLETE RIP OFF NOW! I am not sure why this is acceptable, why we are paying a monthly maintenance fee, and why we are still paying interest. Now to pay online they charge you a very large amount back to your card, but you can set up an automatic payment program at no charge. I set it up, received a confirmation email, but nothing has been debited. It was supposed to be done on the 26th. They said that the day your payment is due is the only day it will debit. Since I didn't see the withdrwal on my checking account I checked my Aspire card statement and now it's saying I am past due and they are tacking on a late fee. This is the most unethical business practice I have ever experienced. This cannot be right. How can they cancel our cards, and do all of these things that they are doing. Didn't we just have a credit bill passed to avoid these types of things. Something needs to be done. I am contacting my attorney. This was supposed to be a card to help people build credit, not ruin them!
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    Reviewed Nov. 30, 2009

    I had a card with them, canceled it after loosing my job. They have now put a garnishment against me for twice the amount of what I owed. This is completly unfair. I need help
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    Reviewed Oct. 24, 2009

    All we do here to cry about Aspire Visa the way they did to all card holders, SO WHAT? WHO CARE? WHO IS LISTINING? WE ARE LIVING IN A JUSTIC COUNTRY- USA
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    Reviewed Oct. 16, 2009

    I had a card with Aspire Visa, paid on it forever and then got a letter from them my account was closed! They called constantly even tho I was making my payment. I finally paid it off and the very next month they sent me a statement for a monthly charge! (even tho they had closed the account) I paid the charge and sent a letter telling them I had better not get another one. So far I haven't gotten another statement.
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    Reviewed Oct. 7, 2009

    I signed up for credit card with them. I was making payments then I fell behind. And they closed my account without notice.i didnt hear from them for two or three years and just recently i got this letter saying i owe them around $2,000 dollars plus court costs,and there going to try to garnish my wages from the job they say i work at, funny thing is they have my employer wrong including the wrong state, also right address but apparently i live in an apartment instead of a house, do these court dates actually exist ? This seems so fraudulent i dont know what to do.
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    Reviewed Oct. 4, 2009

    According to Law offices of Spreechman and Associates Aspire visa claims that I took out a credit card back in 2005. At the time they claim I took out the card I was unemployed, pregnant and in the middle of a Bankruptcy. When I asked for the orginal application information the comment was we can't provide you with that information. I told them without proof from them that I applied for this card I was not sending them a dime. I then was served with papers from my local courthouse that I was being sued for over $1400. I decided while I investigated this I better pay something so they didn't try to garnish my wages. I was still unable to get them to provide me with any proof and every attempt I made to contact Aspire was a failure. I stopped paying the attorneys office and requested the information again and still no results and they have again taken me back to court and now have sued me for $1,672.90.
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    Reviewed Sept. 12, 2009

    WELL I DEALT WITH APIRE VISA FOR 5YRS AND FOR THEM TO CLOSE MY ACCOUNT WITH OUT ANY NOTICE AND MY CREDIT RATES MESS UP FROM IT AND THEM CHARGE SO MUCH OF INTREST NOW THEN GET A LETTER SAYN ITS NOW ANOTHER COMPANY HAS TAKEN OVER I THINK THIS WRONG AND I DIDNT DESERVE THIS FROM THIS COMPANY AND HOW THEY"RE WRONG FROM DOING THIS TO ME AND EVERYONE WHO WAS AFFECTED BY THEIR WRONG DOING THEY WILL PAY FOR WHAT THEY DONE AND I AGREE SOME ACTION NEED TO BE TAKEN AGAINST THESE MONSTERS ANTIONETT FROM NE WORLEANS LA
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    Reviewed Sept. 9, 2009

    I have never missed a payment with ASPIRE Visa for 5 years and my account was closed! This has affected my credit rating/report. Now the company has changed who is handling ASPIRE accounts - it is now Compu Credit. When this happens are you obligated to continue making payments? This has ruined my credit since my account status shows closed account!!
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    Reviewed Aug. 24, 2009

    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.

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    Reviewed Aug. 18, 2009

    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.

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    Reviewed Aug. 15, 2009

    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 called Aspire about this and asked them to stop charging this fee for an account that they closed. They said that they would not; they said that it was a fee that must be paid each month. Now for the last 2 months, I have tried to make a payment on their webpage and was unable to do so. Last month, they said they were having trouble with their webpage, so I made a payment over the phone. This month, I tried to make another payment and could not. I noticed on the webpage that they are now charging a $4.95 fee for online payments! They have never had this fee before.

    I pulled up my transactions page and noticed that they have transferred my account. I called aspire to ask why, and they said the account was transferred to another Aspire account? I told them I could not make a payment online, and they said they were "having trouble with their webpage." This is two months in a row! I agreed to make another payment over the phone, and the operator said there was a $14.95 fee for over-the-phone payments! I gave the woman a piece on my mind, and then she agreed to waive the over-the-phone fee.

    I have read a lot of the complaints on this webpage and see that I'm not the only one with Aspire issues. These people closed my account apparently because of their own issues, and now, they continue to charge a monthly "maintenance fee" and are now going to charge another fee if I pay online. This is called "milking it"! I have no problems paying for what I charged over the years, but come on, how many other charges must I pay to get this account to a zero balance and get rid of them forever!

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    Reviewed Aug. 15, 2009

    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.

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    Reviewed Aug. 9, 2009

    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 called customer service on the morning of my due date only to be told that their system is down and to call back in half an hour. I could try to pay again but my payment would still be assessed a late fee because payments are posted on the next business day and my payment was due on a Sunday. Had they said that this was a long-term issue, I would have put the payment in the mail a week ago and maybe my payment would have gotten there on time. I am putting it in the mail today on my due date. Who knows when it well get there.

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    Reviewed July 21, 2009

    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 went on for an entire year with them over this, making payments the entire time until I made a payment over their "new" website, which apparently never went though and started a whole new slew of fees. Mid 2008, I refused to keep paying and quit talking to them. I would rather pay a collections company than deal with this company again. Early this year, I started receiving calls at my unlisted number from them and they agreed to drop over $500 in charges if I set up an automatic monthly account withdrawal with them. The first withdrawal came out of my bank account and that was it. Now, I get threatening calls five times a day for failing to pay. I am at a loss. I tried to pay them.

    They have harassed me, my family members and office incessantly. They have reached people at numbers that I have never even given out. My credit score is in near ruin, due to many circumstances during the past year, but this is the most ridiculous and ludicrous spot on my record.

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    Reviewed July 21, 2009

    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 went on for an entire year with them over this, making payments the entire time until I made a payment over their "new" website, which apparently never went through and started a whole new slew of fees.

    In mid-2008, I refused to keep paying and quit talking to them. I would rather pay a collections company than deal with this company again. Early this year, I started receiving calls at my unlisted number(?) from them; and they agreed to drop over $500 in charges if I set up an automatic monthly account withdrawal with them. The first withdrawal came out of my bank account, and that was it. Now, I get threatening calls five times a day for failing to pay. I am at a loss. I tried to pay them.

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    Reviewed July 18, 2009

    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.

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    Reviewed July 17, 2009

    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.

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    Reviewed July 8, 2009

    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.

    The account is now being collected on by Midland Credit Management but they are refusing to work with me on a payment that I can afford. My account balance now exceeds $1575.00 because each month, I continue to incur the undisclosed fees for over the limit and late payments. I cannot pay this amount of money. I cannot afford it. I have tried without any success to get this account taken care of but the collection agency calls my home in the early morning hours, late evenings and calls me at work insulting me, discrediting me, insulting me, demeaning me, and threatening me. They will stop at nothing. They are driving me crazy. I am constantly harassed and told that I am a deadbeat. I have contacted Aspire a number of times to try to enter into a payment arrangement that I can afford. They yell at me. I need help in resolving this matter. I need someone to intervene and assist me in getting these excessive fees reduced and a reasonable payment arrangement. They are ruining my credit and refuse to work with me. Please help!

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    Reviewed July 8, 2009

    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.

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    Reviewed June 27, 2009

    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.

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    Reviewed June 26, 2009

    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.

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    Reviewed June 21, 2009

    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.

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    Reviewed June 17, 2009

    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.

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    Reviewed June 9, 2009

    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.

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    Reviewed June 9, 2009

    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.

    This is complete fraud and illegal business practices. I looked at my credit report and it showed that I opened the account in 2005, which isn't true and how can that balance be so high from a $75 limit? After those fees that they automatically took out? Please help! They are completely ripping me off and destroying my credit history.

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    Reviewed June 7, 2009

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

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    Reviewed June 3, 2009

    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?

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    Reviewed June 2, 2009

    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.

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    Reviewed May 25, 2009

    I have had this credit card for about 3 years and have never made a late payment. About 5 months ago, they closed my account and wouldn't give me an explanation. I have tried to resolve this with them directly but keep getting the run around. Not only did they close my account and I've never been late or over the credit limit, they are STILL charging me the account maintenance fee of $6.50 each month and the annual fee of $50.00!!!! 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 when I am/was an excellent customer?
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    Reviewed May 19, 2009

    In 2002 i opened an aspire visa account and when i recieved the card what was supposed to be a $300 balance was only $32. When i called to ask why I wa informed that the rest was charged as my fees for opening the account. i made timely monthly payments and still recieved threats and harrassing notices. 2 months after i recieved my card i received paperwork from a law firm regarding a class action lawsuit aainst aspire due to excessive fees which made my opening available balance less then $50. i signed the paperwork n mailed it back. i still continued to make payments and 3 weeks later received a check from law firm in the amount that id paid since mailing paperwork back with a notice that we'd won and the account was closed i didnt owe aspire anything and they were returning my payments to me. i thought thats cool.
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    Reviewed May 15, 2009

    This company is a complete joke. I got their card 10 years ago and used it casually with no problems for a while. I was always mailing in money orders for my payments. Then out-of-the-blue, they began sending me bills which I sent out a money order the SAME DAY I got the bill, but conveniently, they weren't posting the payments to my account til a week after the due date, which was 3 weeks after I mailed my payment and charging me late fees. I called them up and they would give me stupid answers as if they thought I was an idiot like "i'm sorry sir, we don't have any way to check the status of mail deliveries" or something else insulting. Then I began paying online instead only to find out that they charge you to pay them. That has got to be one of the dumbest things i've EVER heard of.
    Then a few months back, I got laid off from my job, so I had no money to give them. I called them up MANY times and explained the situation, hoping for some kind of payment plan that every other company in the world has or a freeze on my account which almost all credit companies have and they're all like a bunch of foreign robots reading off of a script saying nothing more than "i'm really sorry sir, but there is nothing we can do." My account got a month past-due and I figured maybe that would show them that i'm serious. So I called up again and all they did was say "I can help you, what I can do is collect last month and this month's payments and get you current!," again, as if i'm an idiot.
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    Reviewed May 8, 2009

    I have always in the past paid my bill early and more than the minimum amount due, but in 2006 I came out of work on sick leave due to lung cancer, but with my husbands help still managed to pay my bill. That was until 7 months ago when unfortunatley my husband lost his job. I have been fighting with aspire to get my payments lowered but to no avail, they tell me that they do not have a hardship progam.This company is charging me a rate of 30.00% interest, I even asked them if they will change my due date so that I am not charged a late fee of $35.00 dollars a month they said that they could not do that. It is putting so much stress on me I do not no where to turn for help. Somebody needs to investigate the dealings of this company.It is outrageous that with the economy affecting the nation that they can act in this manner and seem to have no conscience on how they conduct business.
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    Reviewed May 4, 2009

    Account closed by the company,our bill was paid every month on time,some months more than the minimum was paid.They jacked up my interest rate to over 25% and still being charged account maintainence fees????Look at most recent statement and they transferred my account without my knowledge or consent but stated under that important news portion of my statement that if we wanted to opt out of this transfer to write and address in GA, I was charged 24.66 for this unathorized transfer as well.There are many complaints about this company surely something can be done.I have no problem paying for the chargeds I accrued but not all these other BS charges.My balance should be going down not up on this closed account!!!!
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    Reviewed May 4, 2009

    Account closed by the company,our bill was paid every month on time,some months more than the minimum was paid.They jacked up my interest rate to over 25% and still being charged account maintainence fees????Look at most recent statement and they transferred my account without my knowledge or consent but stated under that important news portion of my statement that if we wanted to opt out of this transfer to write and address in GA, I was charged 24.66 for this unathorized transfer as well.There are many complaints about this company surely something can be done.I have no problem paying for the chargeds I accrued but not all these other BS charges.My balance should be going down not up on this closed account!!!!
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    Reviewed May 2, 2009

    Uncooperative Customer Service Representative who seem to function by a script. When you make inquiries they respond robotic to the point of either hanging up on you then you got to call back. In addition, some representatives will give name/employee number while some (Nicole)will say she is not allowed to give employee number out. My complaint is managemet made the decision I am told to close my account. I have been asking for a letter indicatig the date/reason for the increase in my interst rate which is now 23.47%. I have gotten no where speaking to robotic representatives: Michelle, Nicole, Neyla and John who are foreign speaking. I am told that my interest rate has been this percentage since the year 2001 which not true. As a consumer I have a right to know why and when. I am told that they cannot send a letter or tell me the reason for the interest rate change. My account is closed ans I contunue to pay a finance charge plus I pay over the minimum. Again I would like written information on my beginning interest rate at 2001 and when and why it is now 23.47%. Aspire is uncooperative with me evert time. Your call will e transferred from representative to representative and getting no where but repeating yourself over and over again and/or your call is ending without your consent. HELP! My stress level goes up with speaking to Aspire.
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    Reviewed May 2, 2009

    Uncooperative Customer Service Representative who seem to function by a script. When you make inquiries they respond robotic to the point of either hanging up on you then you got to call back. In addition, some representatives will give name/employee number while some (Nicole)will say she is not allowed to give employee number out. My complaint is managemet made the decision I am told to close my account. I have been asking for a letter indicatig the date/reason for the increase in my interst rate which is now 23.47%. I have gotten no where speaking to robotic representatives: Michelle, Nicole, Neyla and John who are foreign speaking. I am told that my interest rate has been this percentage since the year 2001 which not true. As a consumer I have a right to know why and when. I am told that they cannot send a letter or tell me the reason for the interest rate change. My account is closed ans I contunue to pay a finance charge plus I pay over the minimum. Again I would like written information on my beginning interest rate at 2001 and when and why it is now 23.47%. Aspire is uncooperative with me evert time. Your call will e transferred from representative to representative and getting no where but repeating yourself over and over again and/or your call is ending without your consent. HELP! My stress level goes up with speaking to Aspire.
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    Reviewed May 1, 2009

    they have closed my count because thay are nolonger offering the card services and are chaging fees for many reasons. ihave had no problams wth tham untill they deceided to close tha account an now it is hurting my credit. they also repeorted the closure of the account to my credit as it it was somthing that i have done. Along ith this I have ony been getting bills every other month from them and they ar ining me for this. They do not post a a way to contact them on the web site or an address to mail your payments to them. I reliazed this whan I when searching.
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    Reviewed April 29, 2009

    I always paid my bill on time and never had a problem with them. but when my balance got within the range of the late fee, they pigeon holed my payment until it was past due so they could collect the over limit and late fee. this is a scam and they should be sued.
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    Reviewed April 24, 2009

    I have had an account with this credit card company for 4 years, I have always paid my payments on time. Recently they closed my account without reason just stating that all accounts were being closed. I assumed it was due to the economy. I called and asked why I was still being charged an account maintnance fee, if there is no account to maintain. The man I spoke with had no answer. I am very upset as I continue to pay my payments and try to pay off my debt they are still profiting $6.50 per month in account maintnance fees and high interest. This should be looked into. Please help.
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    Reviewed April 24, 2009

    i have used aspire visa card for several years always paying on time and never over the credit limit.in dec,08, like thousands of other people i gota letter stating that they were closing my account because they were discontinuing my aspire visa program.they stated that it had nothing to do with me and that i was an excellent customer but all aspire visa cards were closed. everytime i called them they said the same thing-that it had nothing to do with me. since then i have been paying off my balance every month which includes a maintanance fee of over $6.00 besides finance fees.WHY SHOULD I PAY A MAINTANCE FEE EVERY MONTH NOW? i got my credit report and it says this card was closed by consumer (WHICH HURTS MY CREDIT SCORE) AND PAYMANTS NEVER LATE.
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    Reviewed April 23, 2009

    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.

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    Reviewed April 17, 2009

    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.

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    Reviewed April 17, 2009

    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.

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    Reviewed April 13, 2009

    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.

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    Reviewed April 12, 2009

    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?

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    Reviewed April 5, 2009

    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.

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    Reviewed April 5, 2009

    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.

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    Reviewed April 4, 2009

    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.

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    Reviewed April 1, 2009

    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?

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    Reviewed March 28, 2009

    I received a phone call from a man with a heavy accent, that kept insisting I should accept a credit card from Aspire. Finally I told him, Send me a letter if you like, so I can look at the offer, because I cannot understand you. A few days later, I received a letter from Aspire. It laid unopened for several days or possibly weeks. When I opened it, there was a credit card enclosed - much to my surprise. Shortly afterward, I was laid off from work, and I called in to activate the card, which had a decent interest rate, then I used it. About six weeks later, I got a bill and didn't look at the interest rate, I just made the payment. Then I got another card in the mail, which I did NOT apply for and it was from; Tribute. They had all my information, but I did NOT give it to them! Due to the hardship I was having, I did use the cards however. But when I finally looked at the rates, they had been increased to 28.9% interest, plus they claimed twice, that they had not received my mailed payment on time - even when I sent the payments 10-12 days in advance. They did not take the late payment fees off, but to stop that from happening again, I began to pay by phone, which cost me $14.99 each time - billed to my credit card. They've lied and said they are not the same company, but when I asked them why do they have the same phone number and address, they hang up. I was laid off again last August and tried to set up a 'reduced' payment plan on the phone, but no matter what they tell me on the phone; send $30 a month and get 0%, and no late or over the limit fees (caused by THEIR charges to start with), the billing never reflects what they promise! They've asked me to send $978 as a 'one time matched deduction from the charges...but they said it had to be recieved by them on the following day and the only way that could happen is if I paid the $978 by phone right then...I did NOT, because they've never kept their word before and I figured they were just trying to get $978 out of me and would likely never match the payment...They are still lying and not cashing the checks I'm mailing to them. I have other credit card companies who have made 'hardship' programs available to me and I'm sending them payments at the same time as I mail to Aspire and they are being received and cashed...Aspire seems to be holding the checks on purpose???
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    Reviewed March 27, 2009

    i open a aspire credit it was the worst thing anyone can do they rip you off so bad i payed on time and never us it much but now i go over charge fee and i as never late please don't get this card it will damage your credit
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    Reviewed March 23, 2009

    i open a credit card acc with this aspire visa they are over charging me now thy sold my account to mcm you can even talk to this people they will not asnwer the phone went they do very rude people that does not offer any help, i have offer them to pay what i spend but i will not pay for those over the limit or late fee charges
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    Reviewed March 23, 2009

    So I received a credit card offer from Aspire in 2005. To my surprise, i was issued a credit line of $1500--for a credit card I had never applied for. I was a college student at the time and figured this card would come in handy. The joke was on me. Oh, yeah, after a few months my credit line increased, my APR increased, and my minimum payment fee had increased as well. After paying off most of MY debt, I left the card alone. Stopped using it, I kept on receiving notices of all these new fees. Considering they were not accrues by me, I didn't pay those charges. Current balance due exceeds $3,000.00
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    Reviewed March 17, 2009

    I received an unsolicited card in the mail from Aspire. Who knows what the limit was because I never activated the card.
    This card sat in a drawer in its original mailing envelope for months. One day I receive a bill in the mail saying that purchases have been made on the card and the amount due was hundreds of dollars from some online clothing store. I called to dispute the charges and was met with what I think to be heavy resistance. I was told that I must file a dispute for the charges that were made on a card that was never activated and therefore should be unusable, correct? Now during the investigation I was told that we had to make the payments in order to not be reported to the credit agency, threat? I was told that the dispute forms had to be mailed to me, not e-mailed, not faxed, and only mailed. Aspire told me that this would take a week, try three months after repeated calls to the company. One day after receiving the paperwork I faxed the completed forms to the dispute department, only to receive a letter the following week stating that I have gone beyond the 60 day time limit to submit a dispute. I would consider this to be the credit companys problem; however they try to make it seem as my problem. This sounds like a scam to me. This whole process started in July of 08 it is now March of 09, nine months later. The customer service is extremely unprofessional and very rude. When I asked for the address of their parent company I was told that the information that I requested was not allowed to be given to me, I was told to look it up on the internet. Heres what I found: Aspire Visa, CompuCredit Corp., TSYS, Inc., Columbus Bank & Trust Phone: 770-828-2000 245 Perimeter Center Pkwy NE, Suite 600 Atlanta, Georgia, 30346-2304 U.S.A. I needed the parent company address for use in a law suit, as you cant sue a p.o. box. After finding this information I made a call to verify that this was indeed the parent company, yes sir it was. I am in the process of filing legal paper work in small claims court for the amount I have paid them to date while they played their little game. You as a U.S. citizen have the right to bring these corporations to court to prove that you owe them. Trust me I would like to see what proof they could possibly bring, I want to see copies of the SIGNED application and agreement paper work. Hint.. there is none. I also want to see where, when, and how these purchases were made on an un-activated credit card. I assume, just short of black magic and accounting fraud this will be impossible. Lets see if they show.
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    Reviewed March 17, 2009

    in dec. i received a letter saying they closed the program a few month ago .i did'nt know this because they took out my yearly access fee[285. dollars]and i hadn't used the card for about 6 months.many others got there letters much earlier than myself .i believe they waited with my letter because they wanted to charge me the access fee. i just paid it off in full and called them to verify this they did
    then i checked on line they charged me 4.95 more .that means they could charge me a 19.fee and another fived dollars payment fee bringing it toclose to forty more dollars if i had not checked
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    Reviewed March 14, 2009

    i have been paying my bills always.i am so sick and stressed out because aspirevisa canceled my card that was ok by me just 1 less card to charge on .i still have been paying it then i start looking at my bill and they have been charging me double finance charges from 24.99% to 28.99% double that i cant get any response to my calls so i just told them ok i dont care if you ruin my credit but i am refusing to pay this bill any longer until they quit charging me double .i told them i cant go throu this anymore with this card they charge me at least 23.00 to 28.00a month . i got a letter telling me to pay my bill in full and then they would give me something i dont remember i threw it out .the dealing with this bill is got me so stressed out i cant not deal with this company any more . Thank YOU. Sylvia Johnson
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    Reviewed March 13, 2009

    I've had this card for a few years and never missed a payment. They in fact increased my limit. They charge for online payment $5.00--I don't trust them with mail, they say when i checked on it a week later it was being processed. They charge me 29.75% for what?? never late, they will not lower the interest rate. Why does congress allow them to rip the american people off. I see many people here angry.
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    Reviewed March 10, 2009

    I received notice that Aspire was closing my account due to the credit crisis and apologized for the inconvenience. I understood why since many companies are doing the same. I made my payments as I was supposed to and then received a mailing stating that if I paid more than my minimun, I would receive a 75.00 credit on my account. I decided to pay off the entire balance of 2835.40 less the 75.00 (2760.40) because I did not trust them to send me a refund check I had sent the whole amount. I sent a letter accompanying the check explaining this. They cashed the check, applied the payment to my account leaving a balance of 75.00. I gave it a few days then e-mailed them to make sure they credited the 75.00 and that I did not accrue any intrest on this balance. I did not receive a response. When I reviewed my account today, they still have not credited my 75.00 AND there is now interest applied to this balance and my balance is now showing as 127.46. There is no phone number on their website nor do I have my card anymore with their number. They have not responded to any of my e-mail inquiries. While it is a small amount, I would have just paid the 75.00 and taken a chance that they would not send me a refund check rather than be charged 52.46 which is 70% interest!!!!! My interest rate at 29% was bad enough.
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    Reviewed March 9, 2009

    Like everyone else my account was closed, I am in good standing, Recieved the pay more get more credit offer on Feb 19th, Mde the choice on the 20th to pay close to 3,000 dollars to earn 1800 in credit, Before I paid the amount due, I asked if they had recieved my Feb. payment of 140.00 and there answer was No, I asked should I stop payment on that check, since what their offer was the amount I pay to the amount they credit, I was assured that when they recieved my payment, up to 7 days later I would get a retrun on that check from them, for the 140.00. OK thought I would be settled up with them account closed and paid off in full, WELL it will take UP to 45 days for this Credit to appear the close to 3,000 dollar payment, in the mean time I now recive my monthly statement with the Balance that is to be their Credit, and me owing another 54.00 for this months payment. BUT wait a minute, I already satisfied my loan, and over paid it with 140.00 now because the CREDIT is NOT applied yet, I should have to send in another 54.00? I aggreed to their terms of pay more get more credit (to pay off balance) conformation and NOW what do we do, WE aggreed on one amount, but their saying since the credit has NOT yet been applied I am responsible for this payment, and my other 140.00 payment went to my balance, Which they recieved AFTER we confirmed the deal. HOW to I bring them to court, to the attention of the public, that here is yet another scam of Credit card companies!
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    Reviewed March 9, 2009

    I like Wilbert's idea!!! How can all of us card holder's sue this company? It is like I said before this company is causing me lot's of undue stress and sleepless nights. My husband is unemployed and has been for eight months. Alot of his job applications want to run a crdit check even though the card is in my name I sometimes wonder if my credit is affecting his. I am having a hard enough time paying bills and don't want my credit report to look bad incase I need to try and get a loan.
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    Reviewed March 8, 2009

    Just like every other complaint out there I had an Aspire visa card and paid as agreed until I became ill and fell a little behind in payments, being that I obtained this card to re establish my credit I was a prudent and responsible consumer and called them to let them know of my situation, I told the rep on the phone that of my situation and asked to make payment arrangements. I was told that there was nothing that they could do and that I needed to pay off my entire balance or they would take me to court and sue me. I asked to speak to a supervisor/manager who told me that she would not help me because I was an irresponsible consumer and should learn to pay my bills on time! How unprofessional, I did my part to try and work something out with them and was given a major road block through their lack of professionalism and rigidity. I am glad now that I have read so many complaints of the same situations that I have not paid them any money because it sounds like those who did got taken advantage of. I am still receiving about 10+ calls per day to my home and work by Compucredit to try and collect on this account. I have read the recent lawsuit and injunction from New York and Georgia and I feel that California needs to do the same thing in filing a class action law suit. It is unfortunate that throughout the Bush administration regulatory boards were allowed to get away with not doing anything about these types of fraudulent companies. I want the negative listing removed from my credit file as well as a refund of all the fees I paid that were not earned by this company. I truly feel sorry for every other consumer who was taken advantage of by a company claiming things that they never lived up to. If there is a class action law suit that is filed I would like to be included! When I called to obtain an itemized copy of my actual charges they told me that they do not release that type of info to their consumers, yet reported insane amounts of negative debt to my credit file. how am I able to verify which charges are legit if they wont give me this information, which is my right to have as a consumer. I am nearly ready to change my home and cell phone numbers because of the constant harassment. Companies like this need to be regulated a lot more closely and should not be allowed to be in business. Atleast it was comforting to find out that they are no longer in business so that they cannot take advantage of any more consumers. I would also like to see this CompuCredit be put out of business as well since they are just as bad and deceptive as AspireVisa and since they are now trying to collect on all Aspire visas fraudulent charges.
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    Reviewed March 6, 2009

    I opened my Aspire Credit card account in 2004 and I did this so I can fix my bad credit scores. This year around Dec. 2008 I received a letter stating that the company was closing accounts. They charge outrageous annual fees that they don't tell you about and the monthly maintenance fees are outrageous and they are still charging these fees even though the account is closed. I hate I even trusted this company.
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    Reviewed March 5, 2009

    i had a account with aspire visa in 2006 and they sent me a $179 the frist time with a spending limit of $600.00 close my card put me in the credit bureau for $1,800 they made my credit bad
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    Reviewed Feb. 27, 2009

    I had an account with Aspire for close to 4 years. I paid as agreed, except for 3 payments that were paid a few days late. Each renewal year, I received an increase in my line of credit. I thought everything was great and that I was being responsible, even with a few slip-ups. Well, in December 2008, I attempted to use my card to make a small purchase. My card was declined. No worries; I used my bank card instead. Well, shortly thereafter, I called the company to find out why my card was declined and the automated system informed me that I had no available credit. I know that I hadn't max'd out the card, so I dialed the extension for a live representative. The representative told me that my account had been closed at the company's request back in September/October 2008. I asked why and was given this excuse: A payment for September 2008 was received after the due date and that this action violates the terms of the agreement. I explained to the rep that I had been late before but had continue receiving credit line increases all this time. What was different now? The rep could not give me a definitive answer and passed me off to several other reps and a manager. Each stated the same thing.
    I strongly believe that what is happening to millions is directly related to the NY class action lawsuit against Aspire/CompuCredit. Instead of correcting the problems within the company, they'd rather cancel accounts, get their money, and vanish without a trace. They are no longer accepting new applications, also. When you visit their website and click on the Aspire Visa Card, you'll be redirected to an application page for Tribute Mastercard. Could this be the new Aspire card?
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    Reviewed Feb. 27, 2009

    I was solicited by Aspire charged a $100.00 annul fee and got a letter saying the program was stopped and my account closed but I will still be billed $9.95 monthly for monthly maintance. This is bad business
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    Reviewed Feb. 25, 2009

    I have had this card fro several years. I got it in an attempt to rebuild my credit. From the beginning it has been a problem what with the hidden fees adn such. I actually had to make a payment on the card before I could use it.
    Got a letter in December 2008 that my accunt was being closed. Called to find out tha the company is closing? Now I have a credit card with zero available credit and a balance that is still charging me monthly account maintenance fees, ridiculous interest and annual fees?
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    Reviewed Feb. 25, 2009

    Judging the numerous other complains here, Aspire Visa has clearly been running their business based on bad practices.
    I paid the full balance of my card on February 20. On Febrauary 23, I received an offer in the mail for Aspire customers, wherein if they pay off certain amounts on their accounts, they would be issued a proportional credit from Aspire as a reward. The amount I paid would have earned me almost $400 credit on the card. Because I didn't wait 3 more days until I received the offer, I lost that money. I called customer service to rectify this. I wanted my money back. I fulfilled the requirements of the offer, but had taken action too early--acting responsibly as a credit customer, and thus being punished for it. Customer service simply kept passing me around to more clueless customer service representatives, and now I have received a call from a manager who is also telling me that there is nothing they can do. Getting involved with this company at all was a waste of time and money and patience.
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    Reviewed Feb. 25, 2009

    Apire Visa closed my account after I paid one thousand dollars on my bill. i had the account for three years. I call customer service they said i was over the limit in the month of August. i will pay the balance of four hundred dollars and never do business with them again.
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    Reviewed Feb. 24, 2009

    When i receive my statement. i pay the amount that is requested. then aspire say that i have to pay another amount: over the limit and late fee. when it is not. thay closed out my account for no reason. like thay have done thousands of people.Aspire is doing a lot of un right things. also tearing up my credit report.
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    Reviewed Feb. 18, 2009

    We also recieved a letter that they were closing our account. We paid the account off on 2/11/2009 using the online payment option. They then reversed the charge and charged a 35.00 return check charge. We called today and they said my bank account was frozen. This is a complete lie. I talked to the bank and this charge never tried coming in. We had plenty of money to cover the payment. None of my other payments online ever had any trouble going through the bank. Seems like they are trying to scam us.
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    Reviewed Feb. 17, 2009

    I had the credit card and I was paying them every month after i could make the minimum payment for a while. They took me to court anyway and garnish my check. I overpay them $400.00 and they refuse to refund the money to me.
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    Reviewed Feb. 17, 2009

    I alomg with alot of others have had my Aspire Visa card with this company for 3 yrs and never been late never over the limit until there finance charges took me over the limit. I have done so good in building up my credit after a bad marriage left me with nothing but alot of bad credit and 4 children. Now I recieve a notice that I do not have anymore credit limit and to pay them off. I was first paying 9% interest on my account never late and all of a sudden my interest went up to 19.99% and charging me exuberant amounts of annual fees was killing me they know what there doing alright!!! They are taking alot of good people that are really trying to make there credit turn around for a future of cleaning up any bad scores they had. Now they are either going bankrupt or closing there banks but what do we do. I want all those charges of annual fees and the high interest credited back to me.They cannot sit here and take and take without having to be held accountable. Im out 4 or $500.00 dollars and Im still paying. What do we all do?
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    Reviewed Feb. 15, 2009

    ASPIRE CLOSED MY ACCOUNT STATING I WENT OVER MY CREDIT LIMIT. I DID NOT MAKE IT GO OVER, THEY DID WITH THEIR MONTHLY FEE AND THEN AN OVER THE LIMIT FEE THEY CAUSED. NOW THEY ARE CHARGING ME A MONTHLY MAINTENANCE FEE FOR AN ACCOUNT THEY ARE NOT MAINTAINING. I ANTICPATE THJEY WILL CHARGE ME ANOTHER ANNUAL FEE FROM WHAT I HAVE READ ON YORU CITE. THEY CALL ME ABOUT 10 TIMES A DAY EVEN THOUGH I HAVE NOTIFIED THEM IN WRITING NOT TO DO SO. WHAT CAN I DO?
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    Reviewed Feb. 15, 2009

    I recieve a Aspire credit card and use it once or twice daughter started paying the bills and one day I notice bills was stopped so I called, I was told my daughter couldnt not pay the bills and I explain she was the one I let use it so she pays, sfter that I could never get in touch with these people and several year later I get an extra large bill with super extra charge from a bill collector. I they would have taken the money from my daughter and answered my calls the bill would have been pained off.
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    Reviewed Feb. 13, 2009

    I had an Aspire Visa which I was faithfully paying but it seemed the more I payed the more interest charges there were and always late fees even if you payed ahead and everytime you called them you had to deal with the attitude that the employees gave you and they never did anything to fix the situation. I had requested my account o be closed and it was never closed and I specifically mailed my card back to them also. I am still getting charges showing up on my credit report through different collection agencies. I have had to change my phone number several times because they kept calling not understading that those charges aren't mine and that that account was to be closed over year ago, and they would give me the attitude and the rudeness and disrespectfulness and I would ask for supervisor and supposely never available. Now I have Midland Credit who won't provide Experian with information on when my account was opened and it says its n/a. Through the investigation process of the credit bureaus on the charges that are not mine. They are still showing as my account still being opened. They are just a big scam.
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    Reviewed Feb. 12, 2009

    Aspire sent me a letter in September saying my card was being cancelled because I missed a payment in March. I explained that I did not miss a payment I paid late due to identity theft and in March they agreed it was okay. They were very rude and said there is nothing they could do. I have not used my card since March and I pay a little over the minimum each month, but my account is still over $3200.00 and my limit is $3000.00. How can this be if i've paid over $900.00 in the last 9 months. At this point I can't reach them as the website has no contact number and they only take e-mails and will not contact you. I have suffered major hours lost at work as well as a pay cut and am trying to do the right thing but I really don't want to keep paying when my money isn't being applied to anything. My payment was due on the 13th of this month for $94.00 I paid $50.00 on the 5th and when I logged on today it jumped to $136.00 due. I can't afford to keep paying this, what should I do?
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    Reviewed Feb. 12, 2009

    Received a letter November 2008 that it was closing my account. No reason was given. Now I have an account with zero available credit and an outstanding balance. In November, 2008 I was charged an annual fee of $50.00. Why should I have to pay a new annual fee as well as a monthly account maintenance fee.
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    Reviewed Feb. 11, 2009

    I am one of the many people going through the same things that others are going through with the Aspire Visa Card. I recieved a notice that my Aspire card would no longer be active. I called and spoke with a representative who informed me that the company was going out of business. Charges galore now. Also, because I was short on my last payment purely accidental...by $4.00 the collection department is now calling me daily at my employment. I have asked them to take my employment number off of their list however, they have not. I believe there is a Fair Debt Collection Practice Act, 806. harassment of Abuse (15 USC 1692d) line 5 stating that they cannot repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Is this not a form of harassment? What can I do to make this stop?
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    Reviewed Feb. 10, 2009

    Aspire Visa cancelled my credit card and now i have an exorbant amount of finance charges and various other charges on an account that is closed. I have tried to call several times with absolutely no help from anyone. They were very rude and unprofessional, if a class action suit should surface about this awful company i want to be included. Something needs to be done about this company immediately. I cannot afford to keep paying these bills and keep up with everything else. I WANT A LOWER RATE ND THE ACUTAL AMOUNT DUE ON THIS CARD WITHOUT THESE EXTRA FEES.
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    Reviewed Feb. 5, 2009

    We just lost all income,and we are trying to fix our payment problems..Now we are recieving calls from Compucredit every day Harassing us on a card that they Closed...Adding late fees compounded with intrest fees of 27.50%...Min payment says that we only need to pay $74.00,BUT on the statement it says that we HAVE to pay $151.00 with a finance charge of $56.59..I wouldn't know how much to pay if even I could pay anything...
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    Reviewed Feb. 5, 2009

    I will not quit complaining about aspire visa until someone hears all of us. I had this card like I said before for eight years!!! never late and this company is causing undue stress to alot of people besides me. How can all of us form a network to help? I still have trouble sleeping a night and can't seem to focus at work and worry about my credit scorce.It is so unfair to people like me and so many other's something has to happen because of all this misery and worry
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    Reviewed Feb. 4, 2009

    I called today(feb.3rd) to make a payment online, and AFTER the transaction went thru, I saw a POP UP window saying :you agree to a $4.95 charge for online payments:!
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    Reviewed Feb. 3, 2009

    Aspire Visa has done a lot of people wrong. I trusted them and they just crapped on me. I have always paid more than my mim. and they just dropped me. I might just take the hit on my cridit i'm so pissed.
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    Reviewed Feb. 3, 2009

    they suspend my account permanenly becuuse they said that I was late in the mounth of january for a few days only I dont see no reason to closed my accont and also they put in your statement late fees $35.00 dlls. and I try to pay by phone and they wanted to charge $14.95 to paid over the phone, so Iam willing to paid the monthly payment and on top of the the wanted to colect the extra $14.95 tht is so redicuolos .
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    Reviewed Feb. 2, 2009

    Card was canceled out of the blue immediately after charging a $75 annual fee. There were charges on the last two monthly bills for things we know nothing about. Are they bankrupt? Is the government shutting them down? If a class action suit is brought against them please include me. I have paid thousands of dollars to them over 8 years and paid them off a few months ago. Then I used the card again and the charges started mounting like popcorn. The bill comes late and the payments don't seem to reach them by mail in time. Then they charge the monthly overage to the minimum payment and in addition add a thirty five dollar late charge. These guys say there is a contract on the card that provides bonus payments to them for closing down and I am expected to pay those charges.
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    Reviewed Feb. 2, 2009

    I RECIEVED A LETTER IN DECEMBER STATING THAT MY ACCOUNT WAS BEING CLOSED BECAUSE OF AN OVER DUE AMOUNT OF 2.00. I HAVE ALWAYS PAID THE MINIMUM AMOUNT DUE MONTHLY AND DUE TO THIER PERIODIC FINANCE CHARGES THEY IMPOSED ON MY ACCOUNT IT ALWYS CAUSED ME AN OVERDRAWN BALANCE. I THEN RECEIVED A NOTICE THAT THEY WERE GOING TO RAISE MY INTERSET RATE DUE TO MY OVERDRAWN BALANCE WITH THEY USUSALY CAUSED. i AM A SINGLE MOTHER OF THREE CHILDREN WHO WOULD LIKE TO PURCHASE MY OWN HOME SOON BUT IT IS HARD WHEN YOU HAVE A NEGATIVE REFLECTION ON YOUR CREDIT SCORE. I AM BOING TO HAVE MY ACCOUNT CANCELLED BECAUSE THIS CARD IS NOT DOING ANYTHING TO HELP ME REBUILD MY CREDIT. THEY ARE A BUNCH OF HORRIBLE PEOPLE.
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    Reviewed Jan. 31, 2009

    MY ASPIRE VISA CARD WAS CANCELLED WITHOUT SENT ME ANY LETTER AND LET ME KNOW WHAT GOING ON WITH THE COMPANY,AND I STILL HAVE TO PAY FOR MAINTENANCE FEE PLUS ANNUAL FEE.
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    Reviewed Jan. 30, 2009

    Received letter in December telling me that my Aspire Visa account was being closed as Aspire was no more. I had never had a late payment and always paid more than the minimum. Now I have received bills and the interest rate has been jacked up over 30%.
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    Reviewed Jan. 28, 2009

    I still am complaining about aspire visa. Like I said before I have had this card for 8 years. How can we sue this company for damages against our credit scorces???? I still can't sleep at night for worry over my credit scorce.It isn't fair to people who always pay on time.
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    Reviewed Jan. 27, 2009

    REFUSED TO SHOW HIDDEN FEES, SENT CARD TO ME I HAD NOT APPLIED FOR
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    Reviewed Jan. 26, 2009

    I have been with Aspire for over five years. I've never been late, always paid more than minimum and they just sent a letter saying they were cancelling the card for no reason and have raised the interest since cancelling the card. I am extremely concerned about how this may affect my credit since that is why I had it to start with
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    Reviewed Jan. 25, 2009

    I have been an aspire card holder for about 4 years now. I have payed on time more than the required amount always twice a month as well. The card has been in perfect standing. I am having the same issues as the others on here. I received a letter in the mail in December 2008. Stating my account was being closed. When I called customer service they told me there was no more Aspire card, the program was going away. That i would just continue to pay until it is apyed off. I have done just as they have said, but again they have dropped my credit limit down to zero and left me with a balace, which I do not mind paying as they are my charges but it is having a effect on my credit report as well as the outrageous interest rate that is being charged as of now!
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    Reviewed Jan. 25, 2009

    I, too, asked for a rate reduction and they keep telling me they cannot do it because of bank policy. I'm glad I'm not alone in not paying the late and high interest rate charge. One of the agents told me to call after I got the statement and tell them what I'd told him and tell them to deduct the late fee. I did, but got the same story... etc.. I told them since I have to make payments by check to cover the automatic deductions, it created a great hardship and I MIGHT be able to pay $25 a month. So, I made a payment, but I deducted the late charge + the interest charge and sent that total in (about half the amount of the minimum due), which was more than $25, and they send letters saying that 25 dollars is not enough. I'm sorry, but on a fixed income, very low income, that's all I can do. I know there are too many lawsuits over nothing, but in this case they need to be sued.
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    Reviewed Jan. 24, 2009

    I regard to the article i read about aspire visa card...as many others, my card was closed last month for no reason.i pay on time and never go over the limit. when i got the letter it said it had nothing to do with me and that all gold aspire visa cards were closing. my question is....i still get a bill every month and since i got their letter i have been paying only the minimum.since the article stated that they committed credit card violations and that we are getting a refund, am i still suppose to continue paying this card every month even while the last bill still had maintenance charges on it which is a violation. what happenes if i don't pay and if i continue to pay what is aspire putting on my credit report since they are closing and i am up to date. i'm sure millions of others have the same question. thanks for your time,a. mack
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    Reviewed Jan. 22, 2009

    Something needs to be about this company. They put charges on the account that make no sense. Now I'm paying two anual fees on a card that they closed the account on for no reason. And raised the interest rate.
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    Reviewed Jan. 22, 2009

    Aspire closed my account after several years of having the card with no explanation as to why. They won't answer any questions through the customer service line. And the finance charges are absolutely astronomical. Why should I have to pay a finance charge if they are no longer even giving me available credit? It was also cancelled for no reason; I had been a customer for over eight years .I did try to call customer service to see about a rate reduction and received the same results as all other former customers, nothing. I would love to join a class action suit against this company. For all of this I decided to stop paying for it. In January 8th 2009 I received a call saying I was past due $78 dollars, I told I wanted my rate to be lowered before I pay anything, they said I needed to talk to customer service an in order to that happened I need it to pay, so I pay over the phone the $78 and that my next payment was going to be Feb 14th. So I talked to customer service, same response. January 22nd I received another call saying I was $12 past due and in order therm not to chatge $35 for past due I need to pay now.. To make it short I was transferred to another person who told me a different story, 3 different stories, wow, makes me wonder. After a short discussion the 3rd person I was transferred hang up on me, nice and rude at the same time eh? This company sucks.
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    Reviewed Jan. 21, 2009

    I received a letter in the mail stating they were cancelling my account. No explanation of the company situation or closing down.
    I called & asked how this would effect my credit report they said not sure. I have never had a late payment and always paid more than the min. I been trying to lower my interest rate. No one helps they just want their money that all they are concerned. I would like to join a class action suit against this company. What do I need to do? I am worried over my credit score. How can I fight this company?
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    Reviewed Jan. 21, 2009

    I received a letter in the mail stating they were cancelling my account. No explanation of the company situation or closing down.
    I called & asked how this would effect my credit report they said not sure. I have never had a late payment and always paid more than the min. I been trying to lower my interest rate. No one helps they just want their money that all they are concerned. I would like to join a class action suit against this company. What do I need to do? I am worried over my credit score. How can I fight this company?
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    Reviewed Jan. 21, 2009

    I questioned why my credit limit was decreased and my card cancelled when I've always paid my bill on time. I copied and pasted the response I received from them in email.
    Aspire email response: Dear Valued Customer, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. Your Aspire Visa credit card program has been discontinued. Effective December 25, 2008, your account will be closed to new transactions permanently. Also, effective immediately, your credit limit has been set at your current credit limit or an amount that is $100 greater than your outstanding account balance, including any unbilled amounts as of the date of this letter, whichever is lower. You can enter into new transactions, so long as available credit remains, only until December 25, 2008. We appreciate and value your business. Please let us know if you have any further questions regarding your account. Thank you for contacting Customer Service. Next, they send me my monthly bill and added a $75. annual fee to it. I questioned that as well. My email: I was notified by you that my card is cancelled as of December 25, 2008 so I should not have to pay an annual fee of $75. on a card you cancelled. Aspire email response: Dear Valued Customer, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. We have credited a pro-rated portion of your annual fee of $75.00 back to you. This will appear as a credit on the next month’s statement. We appreciate and value your business. Please let us know if you have any further questions regarding your account. Thank you for contacting Customer Service. I have these emails if you need them.
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    Reviewed Jan. 21, 2009

    I reported card lost in sept 09 and company failed to cancel card.New transaction occured after canceling the card other thaan payments made by me.I've never missed a payment with this company yet, my account was steady increasing.I recieved a letter in December stating that they was closing the card program.I've disputed the balance stated by Aspire,I owe them but not the amount they state.Can I get help with this matter. When I call them they're no help.They're steady charging me.
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    Reviewed Jan. 21, 2009

    I received a letter in the mail at the end of November 2008 saying my account was being closed---I had obtained a Gold card status with all my payments being on time and had a $5,000. limit. When I called Aspire I got several people from India trying to answer my questions to no avail. In fact one of the customer service agents even encouraged me to use the available $700.00 credit before the card would be cancelled on 12/5/08. He said if you hurry you can still use the money. At that point I just wanted these people out of my life. I was so frustrated because I had done nothing wrong and my account was current --I would be extremely happy to file a class action lawsuit against them--if you could find them!!!!!!They are a fradulent organization that takes advantage of whoever they can scam. I have also been making my payments on time. Also they charge you $4.95 to make an online payment where no other company does.
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    Reviewed Jan. 21, 2009

    Aspire in October 2008 sent me a letter closing my account. Sence then I have sent a payment of $40.00 and they have received it over a month ago and refuse to credit my account causing interest on the unpaid balance to add up. they also billed me $75.00 for fee even though they closed my account, again causing a increase in amount due and interest.
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    Reviewed Jan. 21, 2009

    This company lures it's customers in, charges them activation fees, monthly service fees, and very high interest. Then closes all accounts while still expecting there monthly service fees and high interest rate. While paying my account on time and more than minimum payments, they close the account and report it as $0 available credit, which is a big red flag for future lenders.
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    Reviewed Jan. 20, 2009

    Aspire closed my account after several years of having the card with no explanation as to why. They won't answer any questions through the customer service line and I was told the balance needs to be paid off in full in order for me to request that they even take the entire Aspire account off of my credit. And that isn't even a guarantee. And the finance charges are absolutely astronomical. Why should I have to pay a finance charge if they are no longer even giving me available credit? I should just have to pay on what I owe.
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    Reviewed Jan. 20, 2009

    My card was also cancelled for no reason, I had been a customer for over fifteen years.I did try to call customer service to see about a rate reduction and recieved the same results as all other former customers, nothing. I would love to join a class action suit against this company.
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    Reviewed Jan. 19, 2009

    Visa Apsire closed my account. They said their program was cancanceled. I been trying to lower my interest rate. I have gotten no where. They give me a debt consulation phone number only. I would like some answers.
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    Reviewed Jan. 19, 2009

    I have already complained and complained. Now my unemployed husband is looking for a job and the company want's to run a credit check. How fair is this since my credit score will affect his?
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    Reviewed Jan. 17, 2009

    I received a letter in the begining of December saying that my Aspire card was terminated as December 24th. I had this card since 2003 had never been late. when i call to see why this was happening they told me it was a company choice and they didnt have any other cards to offer.
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    Reviewed Jan. 16, 2009

    I mistakenly put a check made out to Goody's store in the same envelope with my payment to Aspire Visa, and they cashed Goody's check, and applied it to my account.
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    Reviewed Jan. 15, 2009

    I had an excellent payment history with aspire. In Dec. however they sent me a letter stating that they closed my account. I called and spoke to a representative who told me they closed my account and everyone elses who has an aspire card. I always paid above my minimum balance. I was concerned about this because of the zero balance of the account, but there is a balance due. This will now affect my credit score due to there part of lowering the credit limit to the balance owed and no available credit. Some sort of action should be done so people like myself should not let their credit scores be damaged do to this.
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    Reviewed Jan. 15, 2009

    Aspire credit card cancelled my account last month. Never late or missed payment. Not sure as to why or what is going on. Very upset with this account and the credit card. Looking into filing a consumer complaint against this company. This is not a acceptable and they still billed me a annual fee after not keeping my account open? How is this okay?
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    Reviewed Jan. 14, 2009

    After having my Aspire Credit card for a few years I received a letter in the mail stating they were cancelling my account. I have never had a late payment and always paid more than the min. payment. Now my account shows a $0 available credit and an outstanding balance. I have not checked my credit in past couple of weeks. I have read all the complaints on how it hurts your score. I can't afford for my score to go down. I have worked really had for the past 5 years to get a good credit score. My husband and I are going to try and buy a house in the next year. I really hope this doesn't ruin my credit!
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    Reviewed Jan. 14, 2009

    MY CREDIT CARD CANCEL BY ASPIRE WITHOUT WARNING. I HAVE CALLED ASPIRE AND COULD NOT GET NY INFORMATION REGARDING WHY MY CREDIT CARD ACCOUNT WAS CANCELLED.
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    Reviewed Jan. 13, 2009

    This has been my worst nightmare. I cancelled this account over a year ago, but am still paying monthly fees, overdrafts and other asundry charges. I have a feeling that, even when I manage to finally pay it off, they will continue to charge me nonthly fees. Does anyone know of a class action suit? I imagine an audit of my account would be just cause enough. Letters sent out after the due dates( never before) so that you are always late, charges never reversed, and my limit was never over $300. Its shocking.
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    Reviewed Jan. 13, 2009

    I still am upset over this aspire visa thing. I am having trouble sleeping and stayed worried over my credit score. How can all card holder's fight this company???? Like I said my husband is unemployed and it is hard enough to pay household bills and stay worried about our future as far as credit scorce's which will affect me being able to get a loan.
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    Reviewed Jan. 12, 2009

    Company closed my good-standing account without warning leaving a balance without a credit limit lowering my credit score after taking years to build it.
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    Reviewed Jan. 12, 2009

    When the company decided to close all credit accounts I transferred my entire balance to another credit card. I ended up transfering more than what my balance was and currently have a balance of -$8.63 on my account. I emailed and asked when I was to receive my check for the overpayment of $8.63 cents and received a phoen call from some woman from the company telling me I would not be receiving it. This is totally fraud.
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    Reviewed Jan. 12, 2009

    Aspire canceled card without notification. Was never late or over limit. Set credit limit to zero with outstanding balance.
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    Reviewed Jan. 9, 2009

    I was a long time client of Aspire and one day I just received a letter saying they were closing my account with no explanation. After calling the customer service number and asking how this would effect my credit report the man said he was not sure. I feel that if they went out of business at least they can do is lower or interest rate they are making us pay and put a statement on our credit report stating they closed the account with no fault of the client. I always paid my bill on time and i feel this is outrages that we let companies do this to us and there is nothing we can do.
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    Reviewed Jan. 9, 2009

    My card was canceled without notification as well. After finding this website, I sent them a settlement agreement, but have yet to hear back from them. I only gave them 3 weeks to agree to the settlement, so if they take it I was get back on here and let everyone know. To the guy that already paid the balance, but it was still sent to collections, you can call the credit bureau and they will take it off for you if you can prove that you paid off the entire balance.
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    Reviewed Jan. 8, 2009

    I had an outstanding balance of $270 on my card about 8 months ago. I called to pay off the entire balance and cancel the account. I made an electronic payment for the full amt and told my acct would be closed. Today, (1/8/09) I received a call from a collection agency that bought my old acct from Aspire and now claim I owe THEM the original $270 I have already paid! I no longer have the card so I do not have an acct number to access their online site. I've also searched extensively thru their site and have yet to find a phone number. So, I called back the collection agency for Aspire's info and was refused the info. So, now I'm stuck paying $270 again if I don't want my credit rating to plummet. HELP!!! Any suggestions?
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    Reviewed Jan. 8, 2009

    I have been a card holder for 4 years and I received a letter in the mail stating that my credit card will be cancel effective 12/29/08. When I spoke to a respresentative she stated that everyone's card was being cancelled and to continue to make my monthly payments until balance was paid off. She couldn't tell me anything else. I have no problem with paying what I owe, but I believe that we should not be charged finance charges, late charges. No charges. We should be reimbursed for our finance charges and pay only what we spent. It should not effect our credit score.We should be protected!
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    Reviewed Jan. 8, 2009

    The same thing happened to me that has happened to everyone else that has filed a complaint. My card was closed with a remaining balance on there and at no fault of my own. I have built up great credit and this was the initial card that I received to do it 5 years ago. How can they do this and what does this mean for us? SOMETHING needs to be done. This is such a hit to someone that has built their credit up and has ALWAYS paid on time and has NEVER gone over their limit. I am getting married in a month and was using this card for wedding purchases and my honeymoon. What am I going to do now? I do not have time to get another card and do not want to put anything else on my report! Can someone please help us?!
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    Reviewed Jan. 8, 2009

    Aspire Visa closed my account just like others with no reasons. I had a perfect payment history with this company for years. Now they still charging sky high interest even after account was closed, and I want to pay on line, they would charge $4.95 for each online payment, What a blood sucking banker.......
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    Reviewed Jan. 7, 2009

    It is pretty sad that a credit card company like aspire can all of sudden just take your line of credit away, from you when you are paying your payments on time, and there isn't even a phone call or letter to tell you that they are going out of business.
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    Reviewed Jan. 7, 2009

    I had the same thing happened my credit is going to be ruined with a balance on my card and now a $0 credit line. This is a red flag to credit reporting companies.
    I found out that their main company is Compucredit. I found this article that might help everyone on this message board. They just settled out for millions. This might help us since Aspire is listed in the lawsuit under a sub company of Compucredit. This is the lawsuit from the FTC website under Compucredit. It can be downloaded via PDF.
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    Reviewed Jan. 4, 2009

    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.

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    Reviewed Dec. 31, 2008

    They Never notified me that they were discontinuing the card program. I have never been late on a payment and I pay the balance off in full each month. I called on December 22 to pay my balance of $1000.00. After the payment was made, a recording came on that said they were sorry to inform me that they were discontinuing the card program.
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    Reviewed Dec. 31, 2008

    I received a letter that said my account had been closed. I have always made my payments on time. In addition, I have never been late on any payments.I have been a customer for almost 3 years. The letter that I received also stated that I would be required to continue making monthly payments as well as a monthly account fee.I also am very furious because my account was closed before I was ever notified.I had tried to make 2 purchases. The credit card was denied. I contacted customer service and they told me I had the availiable credit. Not once was I ever told that my account was closed. In my opinion, Aspire visa participates in unethical buisness practices. I do not feel like I should be required to pay monthly fees are membership fees when my account is closed.I hope as consumers we will be able to stand up against this company.
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    Reviewed Dec. 31, 2008

    I also was a long time customer with Aspire and in November of this year I received a letter stating that my account has been closed. At the time I received the letter I phoned the company with no sucess of anyone answering. When I received my monthly statement in December I noticed that the interest rate was at 29.9 % and the credit limit was lowered to a 100.00 of my previous balance. When I phoned the company again all I got was a run around from the customer service representative. I asked what my interest rate was before it was raised to the 29.9 and I was told this is what it has always been. I also asked for a copy of my previous invoice for the month of August because at that time I believe the interest rate was lower. I was informed to get a copy of the invoice that there would be a charge of 5.00 dollars. I also asked if I could go online to review my account and I was told no that since the account has been closed the information is not available. I have read several letters that customers have posted on the website with the same concerns as mine.
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    Reviewed Dec. 30, 2008

    Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.
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    Reviewed Dec. 30, 2008

    Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.
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    Reviewed Dec. 30, 2008

    I recieved a letter indicating that my account has been closed. I called customer services to ask about the problem about my account; and they said that it was closed and to keep paying my account no questions asked. I'm very bothered by this service!
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    Reviewed Dec. 26, 2008

    I have had an Aspire Visa Card since 2005 with a credit limit of 1125. I just noticed today that they have closed my account. I have NEVER been late in paying and NEVER been over the limit. I have an oustanding balance of $916 but for credit purposes they have me listed as having a $0 credit limit and am afraid that this will reflect negatively on my credit report.
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    Reviewed Dec. 26, 2008

    If my Aspire Visa is a unsecured credit card why should everyone keep paying them? Unsecured means nothing was put up front to obtain this card. This company is driving me insane and I worry all the time about my credit score. I think I need to start a network with other customer's to see if they think I am right about. One one page of Aspire website it say's it was a card for people with poor credit mine might have been in my earlier years but it's is stange I bought a new car and house with a very good credit score. So now I not only worry about other bills but this company is going to ruin my credit status and it seems as there is nothing I can do. So my solution is maybe I will just quit paying and hope alot of other people do the same.
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    Reviewed Dec. 25, 2008

    They closed my account, raised my intrest rate and I have NEVER been late and always paid more thatn owed!
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    Reviewed Dec. 24, 2008

    I received a letter from Aspire indicating that they were closing my account. I have had this account for a while now, I have not been late. Recently I received my credit rating and it has gone down. I have worked very hard to keep my credit score up. When I contacted Aspire, no one could tell me why this happened. Just that I needed to continue to pay the balance on this card. How could this happen and why would this effect my credit score if Aspire is the one closing the accounts? Any class actions, I want to be a part of it.
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    Reviewed Dec. 23, 2008

    I have been a customer with Aspire for over 8 years and have never been late for a payment. I even opened a second account up with them with the same payment history. I just received a letter for each account stating that the accounts were closed. I called only to be given the run around.
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    Reviewed Dec. 23, 2008

    I received a letter stating that Aspire Card was closing my account for no reason. I am very concerned about of what this will do to my credit rating. That have not given any reason of to why they are doing this. My question is why should I continue to pay on the balance if this has already had a negative impact on my credit report and why have the interest rate continue to increase. I truly do not understand how a company can do this this legally.
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    Reviewed Dec. 22, 2008

    i RECEIVED A NOTICE OF TERMINATION ON MY CARD WITHOUT EXPLANATION.i HAVE ALWAYS PAID MORE THAN REQUIRED AND ON TIME.THE CO.STILL WANTS TO CHARGE ME A MONTHLY CHARGE UNTIL PAID IN FULL.IF CLOSING ACCT .THIS IS NOT REQUIRED.I PLAN ON FILING CHARGES WITH THE ATTORNEY GENERAL TODAY.
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    Reviewed Dec. 22, 2008

    About a month ago I received a letter that the card and account were being closed, no reason was stated. I was disappointed as I have had the card for years and had no issues once so ever. All of a sudden I am being flooded with calls about no payments being received and wanting information or the phone, I have been relucant and had my payments verified by my bank with letters from my bank that payments have been posted and submitted 6 in 2 months and they called yesterday saying they have not received any and to pay them over the phone I asked to speak to a Manager and I was hung up on! I am so upset what can be done? They call using 888-888-8888 number? What are consumers rights here?
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    Reviewed Dec. 20, 2008

    I want you to tell me how this happened? I have had your card for 8 years and have never been late on a payment. Since your company is ruining my credit report maybe I will just quit paying and I only owe less than 900.00 Thanks for nothing
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    Reviewed Dec. 20, 2008

    My interest rate on my Aspire Visa account continues to increase after 2 years of regular payments in excess of minimum due. Although I have not used the account in 2 years, I have a balance of $3300 versus the $3600 2 yrs ago. Many communications have been attempted to explain the 33% interest rate without success.
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    Reviewed Dec. 19, 2008

    kept good payment history and good customer for years. cut credit limit and canceled card as of december. paying off balance but rate is higher and receiving late charges. FOR NO REASON.
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    Reviewed Dec. 18, 2008

    I have had an Aspire credit card Account since 2000 over 8 years perfect payment history. I recently daid my balance down 55% from a credit line of $2250.My interest rate has been jumping about every six months currently at 36%, a financial raping, I feel. I recently call the company to find what my balance is and try and reduce my interest rate, only to find they have stated they are closing my account fo no reason other than they are closing all customer accounts. They would give me no legal reason for this closing.I asked what happens to my balance and any interest charges, they stated I must still keep paying, I said to whom, they said Aspire, I said why if they are closing all accounts. I wonder if Aspire received any of the Bailout funds? I received no notice of the closing of this account to date.
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    Reviewed Dec. 18, 2008

    I recently received a letter on terminating my account with no explanations. I have had this account for 5 years with no late payments. No one in customer service will give me an adequate explanation. My interest rate went up even though I have a good credit rating.
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    Reviewed Dec. 18, 2008

    They cancelled my card for no reason and charged me a $69.00 annual fee. I have been with them for probably 5-6 years, never been late! Now I am worried that it will affect my credit score, because it may show that I am maxed out and closed a long term account. What do you do? and can they still charge you all those fees if they are no longer in business?
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    Reviewed Dec. 17, 2008

    I have been a customer of Aspire which has been a HORRIBLE experience from the inception where I had to pay a $179 activation annual fee then a monthly fee of $6 whether there was a balance or no balance. In fact in order to use the card for the first time you have to pay the annual fee and the monthly fee.
    I went to use the card which I keep a ZERO balance on and only use when I'm traveling usually for rental cars and noticed that they had increased my credit line for the first time. When I tried to use the card online I was denied. I called the company only to be sent into a recording that said ALL cards issued by this company were being cancelled. I OPENED UP THIS STUPID ACCOUNT TO HELP FIX MY CREDIT NOT FURTHER DESTROY IT!!!!!! And this was without any letter, any indication that there was a problem. BY LAW they have to notify you but I WAS NEVER NOTIFIED. I thank God I don't have a balance with these idiots. They are trying to make me pay the annual fee of $179 to add insult to injury. I want to be involved in any and all class action suits against these people. They are the WORST to deal with, they send you to an off shore customer service center in Panama City, Panama and you cannot understand anything these rude people say and you cannot get any issues resolved. They only badger you in getting money from you when it isn't owed!!!
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    Reviewed Dec. 17, 2008

    I guess I'm not the only one to receive this termination letter from Aspire. I've had this card for 3 years. It was the first one I could get to help reestablish my credit after a divorce/bankruptcy. I have never been late with payments, have always paid on time & always more then the minimum amount. Two days staight I recieved calls at work from their customer service people (from India) who I could barely understand wanting a payment even though a payment was on its way. They were both very rude & persistant wanting a payment over the phone, which I would not give them. Then a day later I receive the termination letter. I will pay the remaining balance but I have several questions. Is the company no longer? How does this effect my credit score (which I am trying so hard to rebuild)? If the company is no longer, couldn't the balance be put onto another card (I do not have another card I can move the balance too)? I feel that Aspire should be doing something to help the cardholders.
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    Reviewed Dec. 17, 2008

    FOR A LATE PAYMENT .WHICH I PAID. THAY CLOSED MY ACCOUNT OF 4 YEARS.
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    Reviewed Dec. 16, 2008

    this aspire put a lien on my bank account considering i had called to make payments arrange of $60.00 because it all i can afford and on top of that that had charged me interest on the card. these people had also place a lein on my kids(babies-minor) account. i need someone to help me stop this. i had call these people but they are also touching myexusband account and taking his money of which he had nothing to do with, i was single went i had this card card. i had send them a 3 months bank statement proving money they are taking is not mine, its been more than a week and they have not done anything to solve it. please i need help to solve this problem.
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    Reviewed Dec. 16, 2008

    I just received a letter in the mail that they are canceling my card. They did not provide an explaination. They stated that the credit limit would be $100 over what the balance is. But as of today, the credit limit is $0.00. I don't know if this is legal or not. I seen where there are a lot of complaints. Can they really do this?
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    Reviewed Dec. 16, 2008

    I too am troubled by the letter I received from Aspire Visa that they are closing and closing all accounts. I too have always paid on time, sometimes, making 2 payments in one month. I was also troubled by the responses I received from customer service reps about how this account closure will be reflected on my credit report. Like many, I got this credit card to rebuild my credit. Now with Aspire closing and closing all accounts I fear for the minimal credit I do have. I too feel this is unfair, fraudulent business practices. What legal actions can a consumer take?
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    Reviewed Dec. 16, 2008

    Like all of you my credit will be negatively impacted due to Aspire closing our accounts as if the consumer closed the account, continuously lowering our credit as we pay down our balance so it will appear as if we are maxed out, increasing the interest rate to the maximum allowable all the while being assessed yearly and monthly fees. I am in Florida, I found some bull dogs that are looking into the company, this applies to people who live in the gulf coast, if someone finds another law firm please advise. ------------------------------------ Taylor Martino serves clients along the entire Gulf Coast, including Mobile, Montgomery, Orange Beach, and Baldwin County, Alabama, Mississippi, and Florida.
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    Reviewed Dec. 16, 2008

    I have had this Aspire Visa Card for a long time never late always paid at least the minimum even had paid it off several times and this last time I had just paid it off 957.79 On 12/03/08 a couple days later it showed i had my full 1000.00 credit limit and a few days later it showed up that i had only 100.00 Limit I called and got stuck on an automated thing saying ALL Accounts were closed due to an Executive dissision to do away with the aspire visa program.I don't have to have this card I have others but this is the card that I rebuilt my credit with I have Paid a high yearly fee and high monthly fee's and high interest on it and then the other day paid it off with no indication of them being in trouble thinking if i pay it off and need it its there for me.That's pretty dirty in my book.
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    Reviewed Dec. 16, 2008

    what i did to aspire visa.. they canceled my account but didnt close it.. i sent them an email and ordered them to CLOSE the account completly. i had a 2000 balance with them. then i went to a finance company i had an account with and refinaced to get funds needed to pay aspire visa in full.. i cut the finance company bill in half also and paid off aspire and saved about 150 dollars a month and protected my credit score and credit rating. if anything my credit score went up instead of down. bye bye aspire visa..
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    Reviewed Dec. 16, 2008

    I received a letter of termination on my account which has been in good standing with this card never been late for 4 years. I originally opend this card to help improve my credit rating. I called the customer service number provided the customer service person on the phone wouldn't give me their name it was hard to understand them they talked like they had marbles in their mouth. I asked why my account was being closed they said Aspire card was no longer in business. I asked why was I going to continue to be billed finance charges and a montly maintenance fee if the company is closed they said I had to pay it or get a bad credit rating. I asked about getting the $125 annual fee that I was just charged removed since I couldn't utilize my card they said they couldn't do that it was stated in the terms of my original credit agreement. I also asked who was going to over see the accounts (meaning is another company taking over the accounts) the reply was no. My concern is who is going to actually monitor these accounts and if there is a negligent reporting to the credit agencies how can I get it rectified if they are closed. I'm overly concerned that my credit rating is going to be affected with no accord of my own doing or recourse. This seems to be along the lines of fraud if they are still collecting fees and finance charges. Not to mention no warning on the account closing just that its been cut off. If that is the case then why are they still advertising for new card business all over the internet shouldn't these have been taken off if the company closed in November of 2008? I haven't heard or found out anything about them filing Bankruptcy.
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    Reviewed Dec. 15, 2008

    What action is being taken regarding this Aspire Credit Card for know reason other then Discontinuing...is any action being taken to sell the Customer List or what is going on here???? Please advise
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    Reviewed Dec. 12, 2008

    I received a letter from Aspire stating that it was terminating the whole Aspire program. I understand the economy is bad but I am sure they make enough in fees from all the card owners to stay afloat. What I am worried about is my credit report. i applied for this card with the belief from them that it would help improve my credit score. It has not. I asked them if on the credit report it would show as me closing the card or them. The first lady said it would so as a consumer close out and the second lady said it would show as Aspire closing the card. This makes me nervous because no one has a strait answer to this but I have a feeling the first lady was right. If it shows as a consumer close out that would be completely false and I fell that it is fraud. I would not have closed my account if this did not happen. This is the longest card I have had which is very good for the credit rating companies and now it will show that I all of a sudden closed out my longest standing account. I was told I will not be charged another annual fee on the card but I am also suspicious about that because they will continue to bell me for a monthly account maintenance fee. I have not had many problems with this card but there have been a few. When my son was born I was a little behind but never more then 30 days late. I started receiving many many phone calls on my cell and at work. They would call more then 8 times a day from 8am to 10pm everyday. My hope with this complaint is that this company will be held liable for posting fraudulent information on peoples credit reports and continuing to charge fees to customers who by no choice of their own had their accounts closed. I will be following up with another complaint to the FTC and consumer affairs if I do see an issue with my credit report. If it is possible to find a way for a class action law suit in MD then I am all for it.
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    Reviewed Dec. 12, 2008

    I had a previous balance of about $24.00. I paid %20.00 on that bill expexting it to bring my account balance down to about $4.00 plus finance charge. They added a $75.00 participation fee to my account so my last bill said I owed about $68.00. Then they sent me a lettrer saying they had terminated my card and that I could not use it anymore. In the mean time, they are collecting intrest on the $75.00 charge for a service they are not going to honor. Why should I pay a Participation fee plus intrest on a card they canceled. I called them and told them That they actually owed me because they had charged me for a service they have no intention of providing. They said I would have a credit balance on my nect statement, and they would send a refund check. I'm dubious as to whether they will do this. This seems like unfair business practice and I think it should be illegal. I have always paid my bill on time.
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    Reviewed Dec. 12, 2008

    I got a letter which is a notice of termination of card program yesterday, so I called this company to ask why. But they refused to answer my question, and they told me that there is no personal or nothing wrong with my account, and the company closes everyone's accounts.
    I am not happy about this since I have been paid on time every monthly without any missed payments for about three years.
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    Reviewed Dec. 12, 2008

    this company keeps calling me telling me that i had an aspire visa when i know that i did not have this card i don,t even own one credit card i was going to pay themjust to keep them from calling me but things are so up in the air at this time i can,t do that i just want my name to stop being used some years ago my purse was stolen and i never got anything back
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    Reviewed Dec. 12, 2008

    I have had this account for over a year. It was my first major credit card. Recently they sent me a letter stating they are closing my account for no reason but still expect me to pay all of the monthly and yearly fees. This is ridiculous. They should not be able to collect all those extra fees when they close the account for no reason.
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    Reviewed Dec. 12, 2008

    I have had my Aspire Visa account for almost 3 years now, never late once. My credit limit has gone up every few months and all was good. Today I get a letter that my account is being closed for no reason. They fully expect me to pay all the fees. This is amazing. This will no doubt impact my credit score and the whole point of getting this card was to build my credit. Someone needs to file a class action lawsuit against these companies. To pay the balance is one thing, but when they close the account they should forget about all of the extra fees.
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    Reviewed Dec. 12, 2008

    I am a consumer in good standing with aspire. I paid bills in full every month. I maintained a zero balance on the card jmosxt ofv the time i was outraged that the company charge 6.95 a month even though I did not use the card. Wanted to cancel but I was concerned about adverse credit scores. Was advised on Monday th7e account wazs closed.
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    Reviewed Dec. 10, 2008

    I have had my Aspire Card for about two years now. I pay the entire balance off each month in hopes of improving my credit. I checked my account earlier today and my credit limit was $850. I was planning on using this for Christmas shopping. I tried to use the card and it was decline. I called Aspire and was told that a letter was being mailed to me stating that they were closing my account. I paid all the up front fees and keep my account in good standing and now I am going to have to start all over with another company similar to this one because my credit is not great. I don't think this is fair.
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    Reviewed Dec. 10, 2008

    Its about my credit card. I had been paying Aspire either the minimum or when I had llate charges, paid them too. I lagged behing in my payments because my son had gotten laid off and I was stricken with heart problems( weell I still have it). Then the phone calls started. from 8:55 a.m. to 9:00 p.m......no let up. The nasty phone calls at work especially. Today was the last straw. Each time these aspire people would call, I seem to end up in hospital. A Mrs. Lowery and her colleagues wanted me to pay $20.00 on my account...when I told them I did not have it, they blasted me out. So I guess they wanted the $20.00 for their lunch. I explained to them that since I live practically pay to pay, it could only be done on Saturday. They did not want to hear it. They said that they know where I lived and that they did not know the laws of NYC, but that they were giving me a good deal. How can they be giving me a good deal when they are still charging me for interest and everything else. Of course I want to pay my bills but the money is not coming in because my son is still not working. Aspire should be put out of business.
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    Reviewed Dec. 9, 2008

    I have had this visa card since 2006. I pay my bill on time each month, been late one time, because I paid it online and today I still don't know what happened. I pay each month for this cardsafe protection. I was recently in an accident at work and was injured, and the doctor took me off from work. I called the credit card company to let them know that I'm off from work, and will not be able to pay my bill for this month. The rep. told me to call back in 30 days. I asked why do I have to call back in 30 days. He said that I have to wait 30 days before I can report being off. This was not told to me when I purchased this. I don't know why it is necessary to wait 30 days. I have other cards, and I called them and they sent me the paper work to fill out. Aspire is such a rip-off.It has always been the more I pay, the more I owe. I wish someone would please shut them down. They are not helping anyone, but themselves.
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    Reviewed Dec. 5, 2008

    I got a letter today from Aspire Visa. I had written them a letter about why they were dropping my credit limit even though they closed the account. I had made all my payment on time and had paid way more that the minimum. Some guy named Neil and no last name but with number 11460 wrote me back saying that your current credit limit has been set to you current limit or a limit which is set to $100 greater than the outstanding balance, including any unbilled amounts as of the date of his letter, 12/2/08, whichever is lower. He also continued saying that they will continue to charge the per year account fee of $175 per year. He also wrote and said that the closure and reduction in credit limit would more than likely have an affect on my credit score but that was my problem. I did do something smart though. I got all the copies of my account statements for the past two years and my credit reports and if they try to charge me a fee for going over my limit or some of made up charge I can prove them wrong and my documentation will support me. In my letter to them, I told them that if they tried some trumpt up charge, I will go to BBB and file a complaint. Here in Va, I have heard that at least 50 people have wrote the BBB and it is possible though not probable a class action action lawsuit would be filed if they continue to add charges that do not exist. Keep you statements and your credit reports from the past few years. Aspire cannot bully you.
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    Reviewed Dec. 5, 2008

    The Aspire Visa phone rep advised every card was closed due to the state of our current economy and credit disaster. I was transferred to their accounting department when I asked if they were going to continue charging the annual fee until the account is paid in full. After 20 minutes of hold time I gave up and hung-up. I'll wait to see what shows up on the statement. Like most recently have stated on this site, I too, met all requirements above and beyond, never late, paid double the amount due or more each month keeping the balance to at least 1/2 of my limit.
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    Reviewed Dec. 5, 2008

    The Aspire Visa phone rep advised every card was closed due to the state of our current economy and credit disaster. I was transferred to their accounting department when I asked if they were going to continue charging the annual fee until the account is paid in full. After 20 minutes of hold time I gave up and hung-up. I'll wait to see what shows up on the statement. Like most recently have stated on this site, I too, met all requirements above and beyond, never late, paid double the amount due or more each month keeping the balance to at least 1/2 of my limit.
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    Reviewed Dec. 4, 2008

    I received a letter that my accoutn was being closed liek many others, and had no idea why. I had made my payments on time and was paying down. I am upset that this may hurt my credit when I am workign hard to rebuild it. Will thsi hurt me?
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    Reviewed Dec. 4, 2008

    I have been a card holder for about 8 years, I never had a late payment. I noticed that my monthly payments even though they were higher than the minimum where not lowering my balance so i called and wrote to Aspire asking to look at my history and lower my rate, they said that they wouldn't then a week or two later I got a noticed saying that my account was being closed. I called Aspire because I do not want my credit score to go down, they told me that they were closing all accounts and that it would not affect my credit but I need writing proof.
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    Reviewed Dec. 4, 2008

    I received a letter dated 11/21/08 stating that Aspire is discontinuing the Visa card program, effective 12/8/08. I am livid about this. I have had this account for about 12 years now, originally through Providien and then my account was sold to Aspire. I am outraged about this because we, the consumer, were not given any warning and we obviously have no repercussions. Aspire should not be allowed to get away with this. And to make matters worse, I was told that my account would still accrue interest while there is a balance owed. Obviously, by reading your consumer complaint page for Aspire, I am not alone in this.
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    Reviewed Dec. 3, 2008

    I had this card for about three years now but it's been really crazy having this card.I started having problems making payments on the website. I tried to log in to my account and it would not recognized my account number than i will call customer service and spoke with the representatives and i was told that there were doing some updates on the website. Therefore, it was not working, so they would give me a temporary password to log in but it never worked and than i had to pay my bill anyway so they would charge me late fee. I stopped making payments on the website and i mailed my payments.I am currently paying my balance and now my account was closed two months ago, Is it not amazing having this card?It is Dec 08 and i am still having problems logging in and the worst is that i called customer service and they told me that my account was closed without sending a letter to me. They told me i went over the limit and did not pay my account so they closed it.I was so shocked and angry to my self to have kept this card all these years, i have other credic cards and they do not treat me like this, they are very professional and finally, my advise is that if anyone has this card pay it off and don,t use it ever!Do not close it or might lose points on credic score, just DO NOT USE IT EVER!
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    Reviewed Dec. 3, 2008

    Like all the others, I too have received the same letter telling me that they have cancelled my card. When I called them to inquire as to the reason, because the letter stated no reason for the decision, I was told that everyone one received the letter that the program was cancelled. I also inquired as to the effects that it would have on my credit score and she simply said she couldn't answer that at this time. This is outrageous. A company that has done this to their loyal customers is unexceptable. I know times are hard for all right now, but to cancell and give 10 days notice is unexcusable. I'm not even sure that it is legal. I think everyone should complain, complain, complain until someone looks at this issue carefully.
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    Reviewed Dec. 3, 2008

    Like many others, I recieved a letter of termination by this company. Never have I defaulted on my card agreement with them. All my payments are made on time or before time. This is a really unfair act on the part of this company. Some of us pay our bill and then use the avaliable credit to get by to the next pay period. When I called they were not able to tell me anything but that they were sorry for my problem. I did ask for a reduced intrest rate, but was told they could not even do that.
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    Reviewed Dec. 3, 2008

    Received notice of account closed. Have paid on time and never late.
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    Reviewed Dec. 3, 2008

    i got a letter in the mail stating that i can no long use this aspire card
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    Reviewed Dec. 3, 2008

    After having a Visa credit card account with this 'bank' for a few years, I received notice 11/26/08 that my account was being canceled for no reason effective 12/08/08. After searching online, I found that I am not the only one that had this happen. I have been a good customer and have never had a late payment as long as I have this card. Now it appears that this closure of my account will affect my FICO score. I got this card to help me reestablish credit and they do this.
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    Reviewed Dec. 2, 2008

    My story sounds all to familiar I have been with aspire for many years as well. I payed my balance in full for most of that time until recently I let my balance get up there and all of a sudden I was paying more in finance charges than I was on my actual balance. When I started calling customer service to lower my interest they stated that the computer decides your interest rates. At this point I have begun to pay what I can and I have also contacted the better business beureu and filed a coplaint they have compucredit in there files the more of us that complaine the sooner we will get our justice.
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    Reviewed Dec. 2, 2008

    Received a letter like many others that they are closing my account. Is this Fair. Heck NO... is it expected, I guess so since they do charge outragus rates. Right Wrong or otherwise they should do someting to help us out since they are the ones who are closing the account out.
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    Reviewed Dec. 2, 2008

    I was informed last month that my Aspire Visa account was being closed. This came as a shock to me, as I have always paid the bill on time and have usually made much more than the minimum payment. When I contacted the company, I was informed that all cardholders had recieved the same notice.
    Fortunately, when I mentioned this at my bank, I was offered a credit card immediately through them, so evidently the closure of Aspire Visa doesn't seem to have affected my credit rating. However I'm very curious as to what exactly has happened within that particular company to cause the cancellation of ALL of their credit accounts.
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    Reviewed Dec. 2, 2008

    I also got a letter yesterday saying that my account will be close beginning next week but still I have to pay my balance I don't object about it because I did use my visa card but I want to know why the closing?
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    Reviewed Dec. 2, 2008

    I too received the infamous letter from Aspire which made me very angry. I definitly would have done a balance transfer and closed the account myself so that it did not affect my credit. But the major complaint I have..which no one has mentioned that on my statement for this month..they have included there annual fee (which is billed for the following year) So not only did they close the account they want me to pay the annual fee for next year. I have already made my complaint to the ftc as I urge everyone else to do.
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    Reviewed Dec. 2, 2008

    I have had this credit card for approx. 3 years and pay it on time every month,I haven't used it lately since the balance was getting high and I wanted to pay it down, then today I get a letter saying they were closing my account due to management decisions, when I called to get more information they continued to use the same excuse. I am so mad that I am almost ready to not pay them. I asked if they were going out of business or going to claim bankruptcy and if that was the reason for this decision and they completely avoided the question. Am I obligated to pay if they go out of business or if they claim bankruptcy? I am really discusted that a company can just make such decisions with no notice at all.
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    Reviewed Dec. 2, 2008

    I have been a customer with Aspire for several years and have always made my payments on time but like a lot of other people here I received a letter today informing me that Aspire were terminating my card program and reduced my credit limit down to $100 of my balance. When I checked online my limit has actually been reduced to within $30 of my balance. I am lucky that I do not have a particuarly high balance but with all the credit issues that we as consumers have to deal with these days, the last thing we need is a negative mark on our credit reports from an unfeeling and mercenary company like Aspire. I have tried calling the company and so far have not been able to speak to anyone but have filed a complaint with the FTC. I urge everyone else who is in the same situation to do the same. This definitely looks like cause for a class action suit to me.
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    Reviewed Dec. 2, 2008

    thank you for closing my account and ruining my credit..
    i suggest you talk to president elect obama and get a bailout like every other lender is doing, otherwise you dont need to close all accounts. that is a sign of big trouble on your part. actions speak louder than words. i never had a credit problem untill now when you closed my account for no apparent reason unless your a failure at credit managment and running a business so you make everybody suffer for your mistakes. bad apples. even fanniemae has problem and it appears that you no exeption to the rule and trying to shift the blame to your customers for your errors in judgement of bad credit opractices on your part and not the good customers who were faithful to you. why dont you sell your assets to a bank that knows what there doing or go bankrupted before you lose everything which you will anyway. so going bankrupt you can save face in your delima of banking failurs. whats the real excuse for closing all accounts on your say so? thank you for hearing
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    Reviewed Dec. 1, 2008

    I RECENTLY RECIEVED A NOTICE OF TERMINATION OF CARD PROGRAM FROM ASPIRE VISA LETTING ME KNOW THAT MY CARD WAS BEING TERMINATED AND I WOULD NOT BE ABLE TO USE ANYMORE.I HAVE NEVER BEEN LATE WITH ANY OF MY PAYMENTS SINCE I RECIEVED THE CARD.THIS IS GOING TO AFFECT MY FICO SCORE AND I BELIEVE THAT ASPIRE SHOULD NOTIFY ALL 3 CREDIT BUREAUS THAT CLOSING OF MY ACCOUNT WAS NOT BECAUSE I DID SOMETHING WRONG.
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    Reviewed Dec. 1, 2008

    I was a credit card holder of Aspire Visa for many years, never with a late payment and never a huge balance to pay off. Out of the blue, I got a letter stating that my account was being closed for no apparent reason. I have since cut up my card thinking that there was some kind of fraud going on and now I'm trying to see if my credit history is compromised.
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    Reviewed Dec. 1, 2008

    I had called Aspire Visa customer service to check on my outstanding balance. I was told my account had been cancelled, my avaiable credit went from over $3,000 to $0. I was told I was still rsponsible for the $650 balance and that it would reflect negatively on my credit score if i do not pay the balance due. I was told that I was not the onlt one this was happening to. I was told that Aspire Visa has terminated their credit card program as of December 8th 2008. I asked if the termination of the account would affect my credit score, i was told it should not, but that there are no guarantees.
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    Reviewed Dec. 1, 2008

    I got this credit card 5 yrs ago and always pd on time. I went online to check my balance and make another payment and there was no limit i was down to $0.00. They said i was always late on payments. And i was never late. And they tacked on abot $95.00 to the bill for god only knows what. Also i have another card with them Salute Visa and the same thing happened with them.
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    Reviewed Dec. 1, 2008

    I got a letter stating they closed my account. My letter reads as everyone else's does. I have two huge problems. First off I understand if they want to get out of the credit card buss. That is there choice. But why make us suffer. Times are hard. Why did my intrest rate have to go up? Why does my credit report have to show I am maxed out on my card because they made my limit my balance? They dropped me. I would love to pay them off. Give me an intrest rate that will allow me to pay them off. This is insane. They took my rate to 29.99% they did this because they closed my account? Come on? Nobody can help when I call. What can I do?
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    Aspire Credit Card Company Information

    Company Name:
    Aspire Visa
    Website:
    www.aspire.com
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