Aspire Credit Card Reviews

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682 reviews

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Updated Sep. 29, 2026

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 5 Reviews 380 - 530

GeorgiaHomestead, FL

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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YvonneBolingbrook, IL

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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GaryFresno, CA

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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MarkMichigan City, IN

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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JenniferBrook Park, OH

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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JamesRedwood Valley, CA

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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TammyLewiston, MI

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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PamelaSalisbury, NC

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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AnaCamden, NJ

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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MargieHenderson, KY

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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DeniseJackson, NJ

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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AngelaLas Vegas, NV

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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BrandyFrankfort, IN

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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RobbinPark Forest, IL

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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PaulRockville, MD

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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PamelaSalisbury, NC

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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TeresaChicago, IL

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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JonChicago, IL

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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MikeEdgewod, NM

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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JanEl Cajon, CA

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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KatieScottsdale, AZ

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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MiguelNorthridge, CA

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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LillianJersey City, NJ

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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NikkiJacksonville, FL

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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KarenLas Vegas, NV

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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KatherineFresno, CA

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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SteveSan Diego, CA

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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VickyArlington, TX

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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CherylAtascadero, CA

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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AndreaTellico Plains, TN

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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DannySimi Valley, CA

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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KathleenMargate City, Nj, NJ

Reviewed Dec. 30, 2008

Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.

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KathleenMargate City, Nj, NJ

Reviewed Dec. 30, 2008

Closed Visa Account Without Warning. I was not late or behind in payments. Called no explaination.

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MartaLos Angeles, CA

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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JonChicago, IL

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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PamelaSalisbury, NC

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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KimLincoln, NE

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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AliciaConcord, NC

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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MichelleBurkburnett, TX

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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TamicaIndianapolis, IN

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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LindaMars, PA

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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JohnSan Antonio, TX

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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PamelaSalisbury, NC

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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RobertSeattle, WA

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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KurtSan Diego, CA

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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RobertFort Mohave, AZ

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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PamelaGreer, SC

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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KimberlyRogersville, MO

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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ChristinePortland, OR

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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MichelleLorain, OH

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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AngeilaPhiladelphia, PA

Reviewed Dec. 17, 2008

FOR A LATE PAYMENT .WHICH I PAID. THAY CLOSED MY ACCOUNT OF 4 YEARS.

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AngelicaPerth Amboy, NJ

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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TaraPort St Lucie, FL

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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DeniseOrangeburg, SC

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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KathleenLargo, FL

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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DavidFort Meade, FL

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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PatrickEverett, WA

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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JasonFremont, CA

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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PhilipFarmington Hills, MI

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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NigelGermantown, MD

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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MarkLula, GA

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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MargaretSpartanburg, SC

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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MaryHarrisburg, PA

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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AnalizaSilver Spring, MD

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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JohnSilver Spring, MD

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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MichelleLynwood, CA

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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LisaBennettsville, SC

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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MaxineBronx, NY

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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MonicaArlington, TX

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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ScottAlexandria, VA

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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R.Torrance, CA

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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R.Torrance, CA

Reviewed Dec. 5, 2008

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WandaBrooklyn Park, MN

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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JoannetteLivermore, CA

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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TasaHouston, TX

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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FranciscoGoodyear, AZ

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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MarshaCorpus Christi, TX

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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GailVincennes, IN

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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DebIndianapolis, IN

Reviewed Dec. 3, 2008

Received notice of account closed. Have paid on time and never late.

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PatriciaPosen, IL

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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DennisHarrisburg, PA

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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LucindaRiverside, CA

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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AllenAubrey, TX

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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ThomasCarmichael, CA

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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CarmenSpringfield, VA

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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LauraNewburg, MD

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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BradKihei, HI

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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DianeSunland, CA

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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PatrickEverett, WA

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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MichaelBaltimore, MD

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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LanceLisbon, ND

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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RosanneBrooklyn, NY

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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KimAustintown, OH

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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GaryInverness, FL

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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ArSacramento, CA

Reviewed Dec. 1, 2008

I AM A PREVIOUS ACCOUNT HOLDER WITH ASPIRE VISA AND I RESIDE IN CALIFORNIA. IS THERE ANY JUDICIAL RELIEF FOR CALIFORNIA CUSTOMERS OF ASPIRE VISA SIMILAR TO THE RELIEF NEW YORK RESIDENTS WERE AFFORDED IN OR AROUND JULY 2006.

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CayBryan, TX

Reviewed Dec. 1, 2008

I, as well as every customer they have, recently received a letter stating they are closing my credit card account and have reduced my credit limit. I have called and they stated this was a management decision. I have asked to speak to one of the people who made this decision and have had no success. I have always paid my bill on time and always pay more than my minimum payment. The people you talk to seem to almost be robotic in their answers to your questions, like they are reading off a script. Any help would be appreciated. I have found they are in trouble in New York and are having to pay a settlement to consumer's for deceptive business practices. I don't want this to negatively affect my credit as I know it will.

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HarryWalterboro, SC

Reviewed Dec. 1, 2008

MY INCOME IS SHORTEN AND I HAVE CALL THEM SEVERAL TIMES AND LET THEM KNOW THAT I CAN PAY ONLY TEN DOLLARS A WEEK. I WAS TOLD THIS WAS OK, BUT NOW THEY WANT ACCEPT MY TEN DOLLARS PAYMENTS.

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Sarah-Davis1@hotmail.comBrooklyn, NY

Reviewed Dec. 1, 2008

I recived a letter stating that my was closed,as of DEcember 11 2008. I was told that I had to pay off the balance of 5,773.00. I read on some of the complants about Asire that the have reduced some accounts down to $100 with more balance then mind, why is this? It is not fair.Aspire has been getting away with cheating people along time and it is time that they pay back the people. There are so many complanits about them on the web.how they sent out letters without any reason. Please help me. I pay my bills on time plus add extra to the amount due.Thank you for taking the time to read this letter. Hoping to hear from you soon.

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SarahBrooklyn, NY

Reviewed Dec. 1, 2008

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TimothyDalton, GA

Reviewed Nov. 30, 2008

I recently was pre-approved for another card from this company(CompuCredit) and I have had an Aspire Card for 3-4 years now and have paid early and kept my account in good standing, however, I noticed and informed this company immediately that there was an error with the social security number. Today I received a letter stating that my Aspire Card was terminating my card program and informing me that I am still obligated to pay. I am Outraged and when trying to contact all I get is a bunch of hassle and non english speaking individuals. After researching online I have discovered the rest of us out there that this company is doing this to...It is unfair and everyone should stand up for their name and credit rating. Demand this company stop this unfair credit pratices.

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ManuelLas Vegas, NV

Reviewed Nov. 30, 2008

As a card member since 2005, all my monthly payments were done on time, and I even reduced my balance more than half, because I was in the process of buying a house, and I needed my FICO to go up just 10 more points.I was using this card, as well as the my other ones, with responsabily, however, about 2 days ago, Aspire Visa Card sent me a letter, letting me know that my account was closed.Inmediatly after, I called the phone # they provided in the letter, but they told me exactly the same, like if they were just reading the letter over the phone to me.Later I realized, they are doing the same to a lot of people nationwide.Is there something we can do to solve this serious matter?.

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JamieHillsboro, OH

Reviewed Nov. 30, 2008

well first they raise my intrest rate to 30 percent for no reason they said because i missed a payment which i did not. now they are closing my account like lots of other people for no reason. cant we sue these people

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SheliaTexarkana, AR

Reviewed Nov. 30, 2008

I've been a credit card holder with this company for years paying them a hundred dollars a month of which they've applied forty toward the ballanc and took the rest for interest.Today i got a letter telling me they were cancelling my card.And that i still owed them and had to pay them.It's understandable i guess and underhanded.Due to the fact they have charged me so much in interest charges that it made it impossible to get a head on my ballance.

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LaurieNew Smyrna, FL

Reviewed Nov. 29, 2008

I HAVE HAD THIS CREDIT CARD FOR ABOUT 3 YEARS,THEN CLEAR OUT OF THE BLUE I RECIEVE A LETTER THEY ARE CANCELING MY ACCOUNT. NEVER BEEN LATE PAYING GAVE NO EXPLANATION AND DEMANDED I PAY IN FULL. WHEN ASKED DUE TO THEIR NEED TO CLOSE MY ACCOUNT THE LEAST THEY CAN DUE IS WAIVE THE INTEREST ON THE BALANCE OWED. I WAS TOLD NO,NO, YOU WILL PAY IN FULL OR YOU WILL BE CHARGED ALL FEES. 24% OR HIGHER.I KNOW THAT IM NOT THE ONLY ONE BEING DECIEVED BY THEM BUT THE GOVERMENT NEEDS TO STOP THIS FROM HAPPENING THIS IS WHY THE ECONOMY IS FALLING APART. THIS CREDIT CARD WAS A BACK UP FOR EMERGENCIES NOW ALL I HAVE IS A BIG BILL TO PAY. AND (UNEMPLOYED TO BOOT.)

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UpsetPark City, IL

Reviewed Nov. 29, 2008

I have been with Aspire Visa for about 5 years. I have never been late on a payment and my credit limit has been increased every year since I have had the card because of my payment history. Recently I got laid off and had one late payment. I went online to make my payment and saw that my credit limit says $0.00. So I called their customer service department and they told me that because I had one late payment that they closed my account. They said that this is a new rule that went into effect in July of 08. I informed them that I was never notified of this change. They also was not very helpful with thte information that they gave me and tried to get off the phone several times without giving me the information that I requested.

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KarenLas Vegas, NV

Reviewed Nov. 29, 2008

I had same problem too. I had been dealed with Aspire for years and never been late for payment. and I got a letter from them today saying that NOTICE OF TERMINATION OF CARD PROGRAM I HAVE NO IDEA what is going wrong and like others. What kind of legal rights do we have and what is going to impact our credit report?

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TonyaPine Bluff, AR

Reviewed Nov. 28, 2008

i have had this visa for a while. i have always payed on time. today i was sent a letter saying that my visa is termination of my card program. i called them, they told me the same thing over the phone.

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PatriciaSouthampton, NY

Reviewed Nov. 28, 2008

I like several others, received a termination letter for my card. No explaination nor was I able to reach anyone re this issue. This seems to be the case in this country with little regard to accountability. This company should be held accountable and investigated for unfair business practices.

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ReeBuffalo, NY

Reviewed Nov. 27, 2008

Was notified that my card was not to be used after Dec. 1, 2008 due to no fault of my own. This letter was sent out merely days before i was going to use it for holiday purchases. i have a history of on time payments and have nohing overdue. this is not only unprofessional it is unconceivable that this would be done at a time like this. i request this be investigated on my behalf.

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LorraineBrowns Mills, NJ

Reviewed Nov. 27, 2008

I also got a notice stating Aspire Visa was terminating the card program. I called and got pretty much the same answer that everyone else got. I did some research and wanted to let you all know that Aspire Visa are FINALLY going down!!!! It's about time, they have been ripping people off for years now. Looks like there are going to be a lot of fines. Check out this article, it gives all the details.

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ErikaSimi Valley, CA

Reviewed Nov. 27, 2008

Aspire Visa...the infamous letter arrived at my house too. After reading the complaints here I went to the Federal Trade Commission's site. They are the regulatory agency for CC companies.

GO TO: www.FTC.GOV; fill out their complaint form. The more of us contact them the more likely we will hear from them. This what I wrote: As many other consumers, I have received -after more then 6 years of being a customer- a letter stating that they have closed my account, reduced my limit, and that I am OBLIGATED to pay them back no matter what. I was shocked. I as a responsible person got on a DMP program but kept my Aspire as a back up for emergencies. I do not want to file bankruptcy. So for this company to close my account without warning is ludicrous. I did a short little research online and came to the conclusion it is not worth calling the company based on other customer's complaints (no English speaking and helpful reps). See sites: http://www.consumeraffairs.com/credit_cards/aspire.html http://aspire-visa.pissedconsumer.com/ http://www.complaints.com/2006/may/3/ASPIRE_VISA_CREDIT_CARD_CUSTOMER_SERVICE_NUMBER_14536.htm http://www.complaints.com/2007/may/17/ASPIRE_CREDIT_CARD_144915.htm Many of us are VERY concerned about how this will effect our credit rating and why are we kept to a contract the other side has broken. When I break a contract I am held responsible...how about Aspire????? They breached a contract we entered into therefore they should carry the burden of my balance. I was paying on time, more then the minimum and was always responsible to them. They should eat their mistake. With all the bail outs ... who bails me out when I make a mistake? No one I take responsibility and make the best of what is given. PLEASE investigate!!! because there are many of us whose credit score is in jeopardy.

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AprilRoxboro, NC

Reviewed Nov. 26, 2008

After having an Aspire Visa for 8 years and paying on time every month, I received a letter today, November 26, that my account was being terminated. What in the world? How does this affect my credit? I'm trying to get a house and this is going to really tick me off if this stops it.

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SheilaWest Hollywood, CA

Reviewed Nov. 26, 2008

My credit report is being ruined by Aspire with closed account.

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CitizenAtlanta, GA

Reviewed Nov. 26, 2008

I received this card years agao to re-establish credit. But the interest rate and fees were over the top and I would call Aspire about that, with no results however. I received the same letter that everyone else is complaining about - the terminatino of credit card program letter on Nov. 22, 2008. And hope that this does not ruin my credit. I made over-the-minimum payments on time for years. Aspire is hush-hush about it. Looks like they are going under.

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MichaelBypro, KY

Reviewed Nov. 26, 2008

The 21st of November I got a letter from Aspire Visa informing me my card has been terminated..I have had this credit card for awhile now, having it to build up my credit I have always paid on time and never been late with payments and have even paid the card off at times. When i received this letter, there was never an answer or any information telling why my card was terminated. I called the the number they gave me to get the reasons why and when i did, the lady I was talking to and askin why this had happened told me that it wasn't just me that got terminated but alot of others and whe I asked her why, she just told me thats just the way it is in a very smug way, and I still never got an answer why my card was terminated. Because of this I am worried about my credit rating in the future.

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MaryNkakee, IL

Reviewed Nov. 26, 2008

credit card program got a letter nov.22 2008 i can no longer use the card. no explation was given just like all the rest of consumers. they said it was nothing on my part. if i had have known this my payment would have been asmaller amount i could have use the cash to pay with instead.

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CarolSan Francisco, CA

Reviewed Nov. 26, 2008

I received a letter indicating that my account with Aspire Visa was terminated. I have never had a late payment in the many years I did business with Aspire. When I called the 800# they told me that they were discontinuing the program. Since this will be closed by them, this will affect my credit rating, which I have been building since the loss of my business in 2000. I am very concerned about the consequences of this and after reading other complaints online about Aspire Visa, I think there should be a review of the consumer complaints and how this affects our credit.

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KellieSan Antonio, TX

Reviewed Nov. 26, 2008

Like many others, I received a letter in the mail today informing me that Aspire was discontinuing my Aspire Visa Card. I can honestly say that I have never had an issue in the past with Aspire, as others who have written have had. I did call the company and was told that Aspire was cancelliing all of its accounts.

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SarahCortland, NY

Reviewed Nov. 26, 2008

Got the same letter as everyone else did below. I called to close my account so it would not show on my credit that they closed it. On hold for 24 minutes, hung up, called back, on hold for 21 minutes, hung up, called back, asked for a supervisor...she tells me i can't close my account either. She insisted that this would not impact my credit poorly...I find that hard to believe. I could not understand a word any of them were saying, there customer service was awful, and I do not feel that my issue was resolved.

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EbonyDetroit, MI

Reviewed Nov. 26, 2008

When I got home today I opened my mail and to my disbelief it was a letter from Aspire stating that my account had been closed. I have had this card for 3 years, never missing a payment and paying off the balance annually. How can they just close an account without warning?! When I contacted the company they told me that the Aspire Visa card program was being discontinued and that it had no bearing on my credit history because the account was not closed due to something I did or didn't do...don't know how true this is. This is so unfortunate and ironic, a couple of days ago I called to request a new card because the old card was expiring soon and they told me that one was already being sent out...what a joke! If any one needs to contact the company regarding the closing your account the number is 1-800-820-3054 and if anyone knows of any recourse that can be taken regarding this matter please email me the information please.

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DeanPittsburgh, PA

Reviewed Nov. 25, 2008

I have been a member of Aspire Visa for about 7 years and have paid off my card numerous times. I have been charged fees for having the card numerous times over the years. I had a $3250 credit limit and about 3 weeks ago i came up with the money and paid off my balance in hopes to have the credit card in case of an emergency. I got a letter in the mail a couple days ago saying We Regret to Inform you that your credit with Aspire Visa has been terminated they gave me a number to call and so i did, got a lady whom could hardly speak english and who had no clue what she was doing or what was going on and then i asked her to escalate my call to a supervisor. The supervisor could not speak english well either. They told me Aspire Visa closed but that if i still had a balance i would have to pay it.

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TheresaEast Haven, CT

Reviewed Nov. 25, 2008

I too have the same issues with Aspire Visa called every number possible NEVER getting anyone who can speak clear english. They all state Aspire Visa cancelled their credit card program (it was an account management decision) and like so many others I too paid my bills on time. They also had the nerve to give me a credit increase on 11/20/08 charge the annual fee and then close the account and tell me I'm over the limit by $4.77. And they even stated that they are still charging a monthly account maintenance fee even though they don't exist anymore. I feel they should have made the cardholders aware and transfered the balanced to one of their other credit card programs. They also handle something called Tribute, Salute and some other one. Because EVERY number I called was not Aspire anymore it was one of those just mentioned. I also mentioned to them that this will be a negative listing on my credit report and they told me NO THE BANK IS CLOSING THE ACCOUNT NOT YOU and I argued and said yeah and that means a negative mark on my credit and they insisted no. I don't see that it would be any other way. I don't see a bank closing an account and giving anyone a good mark on thier credit that usually means a DEFAULT. If there is anyone out there that can help us it would be greatly appreciated. They should offer us a settlement for 75% or more due to their FAILURE & NEGLECT and not charge us any MONTHLY ACCOUNT MAINTENANCE FEES!

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EugeniaWilliamsburg, VA

Reviewed Nov. 25, 2008

Like many others,I to received a letter from aspire on 11/23/08 dated for 11/21/08 stating that my account was closed and I would not be able to make any further purchases using it,effective 12/8/08. I have been a customer with aspire for three years, in good standing, never late,over the limit and always pay MUCH MORE than my minimum due. However my cr line had been reducd with out me knowing, causing me to go over my limit, according to the letter I received. But get this, both my account and the rep whom I spoke with say that I have $12.00 available.What??? I was also told that I did not go over my limit and did nothing wrong to cause this. This descision was not based on my pymt history and was made by management. I spoke with two representatives who were verry rude and would not give me any information about MY account. I was told over and over again that I could write a letter and that this descision was made by management. Oh, and let me add that They charged me a $75 annual fee either just before or just after they closed my account.

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BradNorman, OK

Reviewed Nov. 25, 2008

As others posted on this site, I received a letter dated November 17, 2008, Notice of Termination of Card Program. It is the exact same format as the letters received by others. I have paid each and every month, and have made payments in excess of the minimum. Yet, without explanation, I receive this notice that my card is being terminated. Why? I am in the process of trying to find out the reason, but expect that I will get the same treatment from Aspire.

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JenniLewisville, TX

Reviewed Nov. 25, 2008

I received the letter in the mail that they were closing my account unexpectedly and without any reasoning. There was no reduction to rates even though they terminated the account. I suggest that everyone who has listed their complaints of this happening, to put one in at the Federal Trade Commission http://www.ftc.gov/credit

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RickLinden, NJ

Reviewed Nov. 25, 2008

I am currently out of work and trying to pay down my credit cards, I called Aspire last month, and after speaking with 2 people that barely spoke English I got someone on the phone. I said I was calling to get a reduction in my APR that had jumped 10.00 points in one months time. It was around 20% then jumped to 29.99% with no notice. So I asked if I could get a reduction in interest rate so I could pay off my debt sooner, and the guy on the phone gave me a flat out NO. He could not tell me why, and could not tell me why my rate went to 29.99%. Then today in the mail I get a letter saying they are closing my account. Mind you I have always paid on time, and paid more than the minimum amount due.

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NormaRoanoke, VA

Reviewed Nov. 24, 2008

My credit was shut off with them too. I got a letter today. Said I was over, and I am not. I had reason to believe I am current with my account. I called them(talked to people with accent)...and I have difficulty understanding people with accents...and was told I am over. I don't want this adversely affecting my credit.

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ToyiaPark Forest, IL

Reviewed Nov. 24, 2008

I opened my Aspire Visa Card in March of 2006. It was supposed to rebuild my credit. My credit line was initially $500 even though I had to earn $300 of it by paying on time for several months. Within 2 years, I have reached a $2000 credit limit, but today I received the termination letter as well. It is kind of funny, considering that a couple of months ago, I requested that the horrendous 29.9% credit rating be reduced--being that I was such a great customer paying on time and what not. And as another person stated, I was told that rate reductions were not customer initiated--meaning that although I was a good enough customer to increase my credit limit and pay on time every month, to keep my business they would not reduce my interest rate. I said I wanted to close the account and they told me that I could not--I always thought that you could close an account--it might not be the best idea, and you would still have to pay it back, but you can terminate your contract if you would like. I also asked why was the annual fee so high. I have several other cards--Capital One, HSBC, etc. All of my cards are so-called platinum and they all have annual fees of $30 or so. Usually if you have a high annual fee, your interest rate is lower and vice versa--but not Aspire. They want $85 a year! So after them telling me I could not get out of my contract, they send me a letter and bail out! Isn't that ironic? And they still want to be paid every month, but that's not going to really matter, when lenders see that you have a balance on an account that isn't even open--that's worse than having a high utilization percentage on your card!

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MarilynRocklin, CA

Reviewed Nov. 23, 2008

Like so many others on this website, today, I received a letter saying they are closing my account- -after I have been a customer for 13 years, with no late payments, I always pay more than the amount due- -in fact, have paid the card off 2 or 3 times, and never go over the limit. I have excellent credit and no other bank has even so much as hinted at lowering my limits- -much less closing my account. Is there anything we can do about this outrageous action?

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LeslieNovato, CA

Reviewed Nov. 23, 2008

I received a letter saying my account was closed and I could not charge anything ever again. I called the telephone number on the card and spoke to one person (with a Spanish accent difficult to understand clearly). I then asked for a Supervisor who was even MORE difficult to understand!

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CherylSlidell, LA

Reviewed Nov. 21, 2008

I recvd.terminattion of the account letter and there was no reason for closing my account.I have paid early and more then the required paymt.How can a company do this??

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ScottAlexandria, VA

Reviewed Nov. 21, 2008

Two days ago I got an email from Aspire Visa that I was not allowed to make any more charges on my Visa. I have made at least $200 over the minimum payment due. I called and some foreign lady said I went $100 over my allowed amount. I said where did I do that? I faxed my last 10 statements to Aspire and there was no evidence I did this. I asked them to fax me a copy of the item they said put my $100 over. They did not find the transaction. They just said I did and that was it. I am not allowed to further charge anymore on that card with a 720 credit record. I called one other credit card company I use and they told me I was in excellent standing. So when I pay my bill off I am done with them. They lady told me on the phone they did not care. I said fine and I will move on. Aspire you lost a good customer.

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BethEllwood City, PA

Reviewed Nov. 21, 2008

I have had an account with Aspire Visa for at least 10 years. I just received a letter in the mail notifying me that my card has been TERMINATED and that I can no longer perform any transactions.. There is absolutely NO explaination as to why they are terminating me. When I called them I was told that it was management's decision and that I did nothing wrong. I am also having problems trying to access my account. This is ridiculous, this company has also charged me a fee every year to have this card. I have had so many problems with them in the past and the fact that anyone you speak to on the phone, does not speak clearly or does not speak english.

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LevonGary, IN

Reviewed Nov. 21, 2008

last tuesday i call aspire to check on a payment i made to my account. with out a letter they informed me that they cancel my account. whom i had an account with for 2yrs (min late fee or overdraft) this was set up to help people to rebuilt their credit. because of the fact i have been on a long term disabilty i con't to pay my account as best i can with least late fee or over the limit fee. i built this up from 250.00 dollar limit to a 1000.00 dollar limit my last payment was for 350.00 dollar. So iam complainting about this account so that i may keep it open. cell# 219-201-4060

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MaryCornelius, NC

Reviewed Nov. 20, 2008

Recd letter dtd 11/17 stating Visa was closing eff Dec 2. In meantime, they were reducing my avalable credit to only 100.00 above the balance (thus hurting credit score). No explanation. I called number on letter - they were no help. I asked if ann fee and int w/b reduced- they tfrd me to a line full of static- i asked ot talk to supervisor- none spoke english well at all and could not hear much above static. I asked them to call me and was told they could not call customers or make any outside calls (duh). I was told they were closing everyone accts- not just mine. I was told refund of ann fee would be pro-rated. When asked for a reduced int rate I was told a flat no. I found out they are in Atlanta and service cards for Columbus Bank and Trust. I recd letter dated Nov 17 on Nov 20 and the new credit line was effective NOW, accepting nothing after Dec 2. It may as well be as of today since drop in cr line. Merry Xmas, huh? I have been a good customer, put up with their high interest-they continued to raise my limitw/o my request and now they do this with such a short notice, with no concern for the customer and more. I stood up to my end of bargain- I asked them what they would do for those filing chapter 11 or going thru credit counseling and asked why they would not offer us something. They flat did not give a rip. I have nothing against foreigners at all but I find it hard to believe all of these people I spoke with are huddled up in one place in Atlanta as they said. Who is at fault here- Aspire, Columbus bank, or Visa USA? Is there anything we can do to protect our cr rating so it will be known that we had not run up our balance to the limit as well as let cr reporting agencies know that the consumer was not at fault here?

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HaroldHickory, NC

Reviewed Nov. 20, 2008

I received a notice of termination from Aspire two days ago. In addition to terminating my card they lowered my credit line. I've never been late in paying. Yesterday I receivd my Aspire statement. My new balance is $1.17 over my new credit line. I expect these guys will hit me with an over limit fee next time around. Can this be legal?

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WilliamErie, PA

Reviewed Nov. 20, 2008

Aspire vida closed my account w/o explaination to me why i receive a letter stated that notice of termination of card program and that my limit has been lower to $100. i understand that aspire visa is going out of business but they should of gave you a reason why and a letter saying the reasons why for your protection of your credit to give to the credit company. i got his card to help build up my credit not to help take it down. i always pay my bill on time and every year pay me card off to start over fresh for the new year. the card was my back up card for it something went wrong than i would have $5,000 to help me and my family now after many years i have nothing that i build but my credit line of $100

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ShayMaryville, TN

Reviewed Nov. 20, 2008

On 11/20/08, I received a letter from Aspire Visa stating that my account has been discontinued and that consequently my account has been closed and no new transactions will be authorized. I have been a cardholder for several years. During this time I have paid my account on-time, in full and have never been a problem consumer. When I contacted the company to inquire about the reason this happened and how it will impact my credit rating, I was transferred to several individuals who did not speak English, kept repeating the same robot-like script and refused to transfer me to a supervisor. After spending over an hour on the phone, I gave up!I feel I have no way to get the real information I need to make sure my credit is not damaged because of this companies inability to stay open.

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MichelleGlendale, AZ

Reviewed Nov. 19, 2008

I went online to make a payment to my Aspire card and noticed that my credit line was $0. I tried to look at online statements, but as usual they were unavailable. I just made a payment to my card on 11/07/08. I called Aspire to ask them what was going on. I talked to three different people who gave me three different answers in three different languages, or at least three different non-understandable accents. One person said I was past due. I always pay on time and usually more than once per cycle. Another said I had gone over the limit, which they couldn't verify and I didn't have a statement or any other proof to see otherwise. Another said that I could not go over the limit more than 2 times in 12 months or my card would be suspended permanently. Four days after my payment was posted to the account my card was suspended, in the middle of a billing cycle and without any notice? In the end my card is permanently suspended. They didn't even try to work with me at all to resolve it. That was it. It didn't make any sense to me. Even if I did miss a payment or go over the limit they have an abundance of fees they charge to cover it. Why suspend my card without any notice? Now I am reading about other people who are getting no explanation as to why their accounts were closed. I have had this card for 3+ years. The whole reason I got it was to improve my credit score and now it is going to do the exact opposite.

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EricPlymouth, MN

Reviewed Nov. 19, 2008

I received a notice of Termination of Card Program from AspireCard.com

I have made my payments on time and have always paid more than my monthly payment. There are many other people this has happened to here: http://www.consumeraffairs.com/credit_cards/aspire.html Drop me an email to get in touch. thxs, eric

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StephaniePanama City Beach, FL

Reviewed Nov. 19, 2008

I recently received a terrible letter from Aspire Visa which was notifying me that my credit card was being terminated and credit line lowered from $3,250 to a mere $100. I was at awww, like what just happened??????

I tried numerous times to call the number on the letter but to my surprise after 5 or 6 times of calling every time it was busy. So I decided to call the number on my bill 1-800-348-8783 I was to input my info. but instead I just kept pushing 0. Within less than 2 minutes I got an actual person on the line to which I could barely understand. I believe he was probably from India. I had to tell him to keep repeating what he said, which was my credit card limit was lowered and being terminated. He says everyone's credit card is being terminated I was not the only one. I said are you no longer a company or what? He replies back I can try to get a credit card with another company they handle, I thought WHAT??? I asked him what happens to my credit report? He answers it will show my account closed. I then ask again what does that mean? He says if I owe on my account, which I do not I pay my credit cards in full every month and he confirms this, it will show up as closed.

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JamesEagle River, AK

Reviewed Nov. 19, 2008

I received a letter dated 11-7-08 stating that were discontinuing my Aspire Visa Program. No explanations - just that they were lowering my credit limit to $100 with no new transaction. When my wife called she wasn't even able to speak to a representative that spoke good English. All that representative would do is repeat the same vague statement over and over. I have always been perfect with my payments. My card, thankfully, is paid in full, but I am concerned how this will affect my credit score. I am deployed to Iraq and have no way of handling this, and they will not allow my wife to cancel the account.

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DarlaCoupland, TX

Reviewed Nov. 19, 2008

I received a letter from Apire saying my program was terminated and I have been timely on my payments, never had a ding. I believe Aspire has to contact the reporting agencies and tell them not this is not my fault, but theirs. My business partner just got the same thing today. Also they need to drop the interest rate so payments are on principle only. I held up my end of the bargain now they need to live up to their contract. I should not suffer damages because of their problems and unethical business practices.

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BretBelle Fourche, SD

Reviewed Nov. 19, 2008

We received a letter today stating that our credit program has been terminated. No reason given, I accessed my account and can no longer check on statements. It appears that we are being charged 46.85 a day in finance charges. We have had this card for quite a few years and have either paid off the balance or made a very substantial payment and until this year are balance always goes down. With a minimum payment of 50$ and a payment made of 200$ our balance due has not went down in several months.

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CharHendersonville, NC

Reviewed Nov. 19, 2008

My letter came November 17, stating Aspire Visa is discontinuing the card services, and that we have closed your account to new transactions and may refuse to authorize any new transactions effective December 1. That would be just under two weeks notice.

I asked if they are going out of business, and Marsha said they were closing everyone's accounts. I then asked if they would reduce the interest rate and she had to transfer me to another department where I talked to Ron, who said it couldn't be done due to bank policy. (I had a hard time understanding him). He then said it was because they were discontinuing the card program to everyone, and just kept repeating it, so I asked to speak to his supervisor, whose name I didn't understand and he tried to explain, but between the accent and fast talking, I interrupred and asked him to connect me to someone in the United States. He connected me with D'Andre, a supervisor, and although I doubt that he was in the USA, he did speak ENGLISH, and was very nice. I told him I'd like to get this paid sooner rather than later, and if the interest rate was cut, I could do that. Then I asked what discontinuing the card services had to do with not being able to lower the interest rate. I explained my situation, retired and on a fixed income. He said he would submit my account for consideration of APR reduction and that I will receive a letter within three to five days. I did mention that it would have helped had there been an explanation in the letter. I believe I'm through with credit cards.

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BenjaminSaint Paul, MN

Reviewed Nov. 18, 2008

Recieved a notice from Aspire Visa on 11/10/08 about 'termination of card program'. Called customer service to ask why and they said the whole program was being discontinued. I then asked how this might affect my credit scores. They replied that this was not going to be reported negatively to credit monitoring services.

Well, how can it not be reported negatively when they lower my credit line to $100?

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CarlosDacula, GA

Reviewed Nov. 18, 2008

I've had this card for about 6 years just as an emergency credit card. Always paid on time and never had a problem did not use card that often maybe 2 or 3 times a year. This past late august 2008 tried to use the card for a purchase and was denied so I used my amex. went home and called aspire i was told that there is a $168.00 account balance to which I did not make.

They verified my name, address,phone etc. I was told to contact their fraud dept which I did. They mailed an affidavit form that I filled and mailed back but 2 weeks went by a they said they never got it at this time I get a call from customer service saying that I need to make a minimum paymnet before the account becomes delinquent, I expalined that the account is being investigated that they should call their fraud dept. They said they could not do anything i refused to pay the minimum. The fradu dept told me the name of the persom that made this charge using my account number and they had that person's address in Alpharetta GA 20-30 miles away from where I live.

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JohnElyria, OH

Reviewed Nov. 18, 2008

on 11/17/08 i was making a purchase with my visa aspire card. all payment current, and paid ahead of time. my card was rejested, [reason unknown]

upon arriving home i called card holder members services, for aspire visa.the only reply after speaking to 3 reps was that the card was discontinued, for reasons unknown. they claimed a letter will be forwarded to inform of this after the fact.i was not in the arrears, and made payments ahead of time. john fitzgerald

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DeborahWenatchee, WA

Reviewed Nov. 17, 2008

I received a letter dated 11-7-08 Notice of Termination of Card Program and that my line of credit had been lowered from $9800 to $100. Then I received the following email:

Unfortunately, your Aspire Visa credit card program has been discontinued. Accordingly, your account has been closed permanently to new transactions. From time to time credit card portfolios are discontinued. Unfortunately, that's the case with the Aspire Visa program which has been discontinued.The closure of your account is not a reflection of your payment or credit history.

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OsvaldoSeattle, WA

Reviewed Nov. 17, 2008

I held an Aspire Visa Credit Card being held by this bank. I had a recurring 0 balance with average monthly expenitures of around $ 1,000. This bank cancelled my credit card without notification.

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Aspire Credit Card Company Information

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