Aspire Credit Card Reviews

These people keep calling my house looking for someone I don't know. They call all times of the day and night and I keep telling them they have the wrong number. Please help me. These people are crazy and they have an accent like from another county. What can I do to stop this madness?

Riddle Wood attorneys at law is the collections for the Aspire Visa. I recently found out that the card was activated May 2005 and sent to Jacksonville, FL where who is now my ex-wife lives. Before this card was activated me and who is now my ex were living separately. I was stationed at Ft. Riley, KS and she was still in Jacksonville, FL. I never gave her any kind of power of attorney to be able to use my name in any way. There is no way I would have sent, who is now my ex, a card especially since I was deployed to Iraq from Feb. 2005 - Jan.2006. Right now I’m stationed at Ft. Bragg, NC and have been deployed since I’ve been here. I got back in Sept. 2007. My credit report was damaged by this claim when it wasn't even me that applied for this in the first place. The agent at Riddle Wood that I spoke to wasn't helpful - borderline rude.

In 2002, I have an acct with visa aspire and I have a balance for about 300.00 dll and stop making the payments. Because I lost my job and everything so now in this month I get a loan for 4,000.00 to put a down payment for a house and deposit in my checking acct. And Visa Aspire took all my money from my checking acct includes a 500.00 in my son children's deposit and my savings acct money a total of 5,500.00 dlls. What can I do? I have to pay the money I get for the house down payment and I have to pay all the bills and taxes for my wife and children's house and I have 0 money because what Visa Aspire did.

I had a credit card account with a company named Providian and I was notified the account had been purchased by a company named ASPIRE. The account was already closed before it was purchased by ASPIRE and I was in the process of paying it off. Everyone here should know that a closed account means there can be no changes in the underlying terms and agreements including changes to final interest rate. ASPIRE sent me letters seeking to make changes to the interest rate terms and other terms resulting in reactivating an already closed account. I refused their offers but they persisted. They went ahead and changed the terms without my approval therefore I refused to pay the balance they had obtained from the previous card company. Since they breached the contract terms, they're entitled to nothing.

I have had this card since 2002 or longer and started at $300 and now $500 and has high interest and never can make it to go to over $500. They will not review my account. They will not do anything. You call, the place is like talking to people from another country and do not understand nothing you are saying. I have tried to change my pay days and it does not help who I talk to. The late fees are way too high and if whatever reason I miss or a payment, they get late. Even if my availability is $300, they put a lock on the card and I can't use it...

I have had my Aspire Visa for a number of years. In September I received a call 4 days past my due date demanding a payment of $80 to bring my account current. I made a telephone payment--I did not have my bill in front of me. I postdated the payment until September 26, my next payday. The payment was debited from my bank account on September 26. A few days later, I received a notice that my charging privileges were suspended. I looked at my statement and realized that the $80 that had been demanded was not actually the minimum payment--a fee had been applied, bringing my account over its credit limit, although that was never mentioned to me by the telephone collector.

I've had a card for like 4 years and all of the sudden the invoices stopped coming in the mail. I have seen a statement in like 6 months now they have closed out my account and its making me look bad. Also they keep calling me on the phone and wanting me to make a payment so I hang up in them.

I was charged the activation fee and was living in NY at the time.

I have had an Aspire Visa Card for many years, first they changed the interest rate from 9% to a much high amount. Usually I was an automatic payment customer, because I AM RETIRED with a fixed income. At any rate, when you are are a auto-pay person you dont need to monitor your bills, but in March, 2008 I realized my bill had increased instead of decreasing. I called the Company after reviewing the bill--stating the were paying AOL 24.99 each month without my permission. The charges from AOL caused the account to go over the credit-limit; as well as a late fee--even though I wasn't late.

i recived an aspire visa card and when i closed the account they sold it to midland funding and now wants me to pay almost 2000.00 on a card that had a balance of no more than 300.00

I was sent a form to settle my acct of $600 (which my credit limit was only $300) with a 1x payment of $150. I sent the payment to them and then they sent me another bill for $450 stating I needed to pay the rest of my bill. They have filed charges against me in my hometown and are trying to serve papers to me.

Aspire Visa offered me a credit card acct. after a few months of billing problems i decided that i didnt want their business. spoke to a representative and was given a final balance. I Paid that Balance and canceled the card. They say I max the card out and never paid them.

I received a notice from Aspire that had the following information: We regret your decision to not use your account.This will confirm that your account has been brought to a $0 balance and cancelled.

I have an Aspire Visa Card & faithfully make the payment every month. Well, for the payment that due on 8/29/08, I mistakenly sent ASPIRE the wrong check & THEIR check to the missions by mistake! As soon as the missions mailed the check back to me, I sent it out to ASPIRE, explaining what happened. I ALSO emailed them (BEFORE the due date) but NEVER got a response! INSTEAD, they get 'Compucredit' to HOUND ME! Over a payment that was due only a week ago! And ASPIRE even cashed the WRONG check!

After caring for my mother for the last 1 1/2 years, including ALL of her financial afairs, she passes away in June. All of the sudden the other day I get a letter from Aspire Visa, addressed to my mother, stating that they regreted her decission to not use her account. The letter was sent to confirm that her account has been brought to a $0 balance and cancelled. I also did not know that she had an Aspire Visa Card.

They sent me a letter stating that they regreted my decission to not use my account. The letter was sent to confirm that my account has been brought to a $0 balance and cancelled. I did not know that I had a Aspire Visa Card.

Aspire Visa gave a credit card to someone who has been using my identity. I have tried several times to prove myself to them but everytime I try the total goes up. I am trying to pay off my credit, but i will not pay for something i did not use. I keep getting the response that it is my card and account and that i need to pay the balance due.

Aspire keeps overcharging me late fees and over limit fees. I usually paid on their website. It took a while for me to realize that their website does not function! Payments I had posted there were not cerdited to my account. When I called their phone number, they would always tell me I had to pay more as I hadn't made a payment- I had- but on their website!

I made a credit card payment on my card of $150.00 on Aug 1st which as of the 14th had not shown payment at my bank. I don't expect a late charge when it was paid in plenty of time Please let me know what happened. I will wait to file a complaint until I hear from you.

I recently recieved a Summons & Complaint from a courthouse in a County that I don't even reside in. I have no knowledge of this Aspire Visa account, nor do I have statements. I suspect fraud as this is in a County that I have never resided in. On the Summons & Complaint form, it list a county where action arose or business was conducted, I don't live in that County, nor have I ever.

this was a credit card that we got to use for emergency. it was used one time for gas. we never got a bill, but a phone call wanting the account paid in full. they would not accept a check or check by phone, it had to be a money order. Of course now I cannot find the money order receipt. Anyway we sent the money, cut up the card, and haven't heard anything in at least 4 and 1/2 years.

Aspire Visa is constantly calling me looking for my ex husband who moved out 7 years ago and have been divorced for over 5 years. I have repeatedly told them that he no longer is at this number and I don't have a forwarding one for him. There is a reason an ex is an ex. I've filed complaints with the FTC about them to no avail. This morning (Saturday) they called at 6 am.

In 2005 I received an Aspire Visa with an initial credit limit of 300 dollars. I used the card once to buy gasoline and when o recieved my first statement it was over 600.00. I calle dto cancel the card and they refused to cancel it. I then shredded the card and tried to make several small payments to no avail. my payments were never recieved supposedly and over the course of time I lost contact with them.

WOW I have been a customer since 2006, trying to re-establish my credit, with initial limit $450. Since this year, I made a committment to pay my account on time each month. I just paid off account again in May (June statement). So without warning or notice, they gave me an automatic increase to $750 limit, anyway in June, despite prior over limit fees. So I decided to use card again this month and make 2 payments , receiving confirmations and access to available credit the very next day, with balance due of zero, on my June statement.

i opened an aspire visa just to use for moving expenses. they are a nightmare to deal with i lost my job and fell behind on payments i tried sending in as much as possible it was never enough. i stopped receiving bills from them and didnt know where to send the money. i think they also use salute visa also do not use that card either has same address as aspire visa they offered a credit limit of 300 dollars but you never got the credit it was all fess that you had to pay i think these places do this to ruin your credit

i opened an aspire visa just to use for moving expenses. they are a nightmare to deal with i lost my job and fell behind on payments i tried sending in as much as possible it was never enough. i stopped receiving bills from them and didnt know where to send the money. i think they also use salute visa also do not use that card either has same address as aspire visa they offered a credit limit of 300 dollars but you never got the credit it was all fess that you had to pay i think these places do this to ruin your credit

This office has been calling and sending letters to me and my family. Most recently they called my daughter's inlaws a 10 yr old boy. He was so concerned and was afraid I was injured or dead. These people are equal to terrorists.

Sometime back in year 2002 (I believe), I had disputed a charge made to my account. Later, I was sent a letter saying that they had investigated and found it to be fraud and the case is closed. Now I am being sued and summons to appear in court. It's been so long and I threw out the letter so I have no proof. Please let me know how I can get out of this as I cannot afford to pay over $1,000 plus a day-off. Thanks.

i used apire visa a couple a times totally about $150.00 and now their on my transuion report with charges of $1,400.00 when i call them they say they can't discuss my account with me because it's in collections, how do i get some to respond to them for me

I also opened an account with Aspire Visa in 2005. I began paying the fees on the card immediately. I deployed shortly after opening the account and when I returned to the US I was shocked that although I had not made any purchases on the card, it had accrued enormous fees. I then contacted the company to make payment arrangements on the card and to close the account. After my final payment, I contacted Aspire by phone and reminded them that I wanted the account closed.

I opened an account with Aspire Visa in 2005. I used the card twice each purchase was $30.00 or less. First bill came paid it. I used it again, and waited for two months to get the bill and saw it was for almost $150.00 for a purchase of $30.00. I called to get the reason for this and find out why I didnt get a bill. They had no response. I told them to cancel the card and send me an Itemized bill of my purchases. Well, they never did.

This is in reference to My father who was diagnosed with alzheimer several years ago. At that time it was determined that he was beyond the beginning stage. According to the credit card company listed above, he opened an account with them on September 14, 2005. They are unable to tell me what the purchases were for, or even when they were made. They did indicate that their database would only go back to August of 2007. There is no record of any purchases as of their current database.

He has been harassassing me at my place of business and at my home. Told him I can make payments that I can mail in told me no can only be done over the phone. for a $300.00 credit card limit is now costing me 1,297. offered me a settlement of 50% in full told him I did not have that kind of money I am a single mother. He told my 11 year old daughter that he was my friend. Told him that I know what my rights are and he got VERY nasty and I hung up called me back 4 times didn't answer.

I have been with aspire visa card for over 2 years now never missed a payment but now I am finding it is very difficult to deal with them .I just moved to a new address. Changed my address with them. So now I cant get my bills in time to pay my payments.You can not log on to their web site and you have to pay a certain amount on the phone plus get charged a fee which if I was late I could accept that but I cant even talk to a customer serivice rep. If I am lucky.When I am lucky no one understands you and you cant understand them which makes things very hard for me. I cant get anywhere.

After reading the reviews on Aspire Visa I just wanted to say that I have had no problems with my Aspire card.

I settled my account with Aspire Visa back in either 2002 or 2003 and was told that my account with them would be considered Settled: Paid instead I'm being sued. The company that Aspire Visa sold my account to was Collect America who informed me they have no contact information with Aspire Visa and I needed to contact the law offices who are not pursuing a judgement against me.

An Indian sounding man came on the phone harassing me for a credit card bill that I do not owe. He also claimed I made a payment of $150.00 in 2006, which I never did, nor would I pay anything on something I did not owe. Originally when he called me, he claimed I took a card out in Washington state. I had in fact lived there for three months but had already been back in New York for six months when they claim the card was procured. I also told them that was impossible as I wasn't even there then. He indicated I was trash, that I was on social security and no good, and also gave me my last four digits of my social security number. It's clear that they are stealing identities; how, I do not know. Prior to 2000, I may have had a card with them; I don't remember due to brain surgery. I do know all my bills and any credit cards I would have had were paid by social security settlement and inheritance by my legal aide with Deleware County social services.

I make two equal payments each month but found out Aspire has a little known glitch: make a payment that hits on your cut off date, and it is applied directly to the balance and not to the payment for which it was intended. So you incur late charges, and the collection calls begin all for $26.00. When you call, you get the India Call center. This company is a sham. You can make all the payments you want, but they will find a way to tell you that it was made outside the limit. I also had a payment outstanding, and she said that did not matter--that I was behind, and when it came it would go towards the balance. This company needs to be shut down

Aspire Visa has being nothing short of a nightmare. I had a claim that someone stole my card number and charged at a FORD dealership in the amount of $1575.00. They asked me to file a claim. They have no phone number to reach them, and if you do get them on the lost CC phone, it is ONLY a 20-minute series of recorded messages. After months of waiting, they sent me a letter saying that the period of time for a claim of stolen cards and / or number is 60 days. This is absurd, since it took them 5 months to respond. Also, on any bill from them there is no phone number to reach them. I cut this card over a year ago.

My father opened this account. I don't know when he was the primary card holder. When he passed I discovered that he had put my name on the card as well. I was not aware of this. When I took care of his business and sent the company a death certificate, they made me responsible for the bill. I have tried to convince these people at ASPIRE that I have or never had anything to do with this bill. I have never seen a card. Have never laid eyes on it, I never knew they existed. They have now sent me to a collection agency for $5,333.00. I do not know how I am going to pay this bill. Please help me. I have disputed this over and over.

Was notified 6 years later that I had an Aspire Visa. I did not have a credit card from this company and I don't even know what one looks like. They say I owe them $491.84 and have sent me to collection but when I request information they removed it and we moved on. When we try to contact the card company to get the information that we excepted a credit card from them, they don't know anything and we get no information from them. So it goes on for months. Then we get a letter from another collections agency and then we deal with them. What do we do?

I received this card around 2003-2004. I used it once and never went over the limit until I was placed in the hospital. While in the hospital they charged me all kinds of late fees and over limit fees and other fees. When I got out of the hospital, I called and explained the situation. They mailed me some paper work for the dr. to fill out. I mailed and faxed the paper work to them on several occasions way before the deadline. After the deadline I get a letter stating that my request to remove the fees were denied because they did not receive the paper work. Now this account is on my credit report which I closed in May '07 I believe, but they are still charging me a maintenance fee. I have tried to settle this debt for at least 40% of what they say I owe with fees and all; but this company keeps refusing to settle, and it is affecting my credit very badly. Can someone please tell me how to fix this as soon as possible? I am desperately trying to get this matter taken care of.

I was harassed by the representatives at Aspire Visa. They called my job repeatedly even after I ask them several times not to. They called my employer three times after I verbally ask them not to call. They not only gave information to my husband, but verbally harassed him about the Aspire account that they said was opened in 2000.

I was harassed by the representatives at Midland Funding, representing Aspire Visa. They called my job repeatedly even after I ask them several times not to call my place of employment. They not only gave information to my husband but verbally harassed him about the Aspire account that they said was opened in 2000. They would call my home 10 times a day and would even call back after I would hang up on them for being rude. One rep told me he was a manager said he didn't care if I didn't pay my rent , child care or even eat--we just want our money. He was screaming at the top of his lungs.

Aspire Visa Charged my account $100 yearly fee, which put my account over the limit. Between finance charges and late fees my account increases close to $90.00 each month. So unless I pay the fees, I'm throwing money away just to break even.

Two days ago, I received a summons stating that I'm being sued for $820.67 plus interest, costs and attorney's fees. As I haven't dealt with Aspire in a few years, imagine my surprise when this summons was hand-delivered to me. What do I do now?

Two days ago, I received a summons stating that I'm being sued for $820.67, plus interest, costs, and attorney fees. I haven't dealt with Aspire for several years so imagine my surprise when this summons was hand-delivered to me. What do I do now?

I was not late, I was not over the limit, I didn't even use the card because the fees, and illegal transactions were applied to cause late fees, over charges, late payments, and negative reporting on my credit account and ultimately my credit report.

Applied and received $500 Visa card (as emergency credit card) and never used since I got it in 2005. I tried to use it today (01/02/2008) and was told it was declined. I called #800-348-8783 on back of card and explained I never used the card. The man stated they took over the card from another company, and I should have read the fine print that said I had a monthly fee of $10 and that I owed $245 + change and $50 late fees. He said they would wave late fees, but I would owe the $245.

I had been working with a consumer credit agency to get out of debt. One of my creditors has been Aspire VISA. Recently my financial circumstances worsened, and I was not able to maintain my re-payment plan with my consumer credit agency. So Aspire VISA began calling me directly. They were extremely aggressive and offered little in the way of concessions to help me get out of debt with them. This is in contrast to my other creditors, who were very reasonable and accommodating. Aspire VISA's representatives proposed my making 3 monthly payments in the amount of $210.00 to supposedly bring my account current with them. After that time they said they would stop the late charges and drop the interest rate to zero for up to 6 months. The principal balance was and currently is approximately $4,000. The current interest rate is 27%. By the way, I started with a balance of $10,000, and have worked very hard to responsibly pay it off over the last several years.

I have never owned an Aspire Visa card. My credit is excellent, and I have no suspicious accounts on my credit report. However, representatives from Aspire Visa call my cell at least twice a day, every day. Usually it's just a recording asking me to call some other 800 number for card services. When I call, there is a message telling me that the service center is closed. The few times I have been called by a live person, they ask for someone I've never heard of. I've explained this, and asked them to stop calling, to which they agree. Early next morning though, I am awakened yet again by Aspire calling.

I believe this is a scam. I received a privacy policy opt out form from Aspire and (Columbus Bank and Trust Company, Columbus, Georgia claiming to be the provider of my card) as though I am in business with them, but I have not done business with Aspire for years now. This notice asked me to give them my credit card number and to send it to Cardholder Privacy, P.O. Box 105096, Atlanta, GA 30348-5096. When I ended my business with them I asked them to close my account which I was lead to believe was indeed done.

I was issued an Aspire Visa card and used a $1000 credit line. I made several payments with no problem and then moved to different state. Filled out postal change of address card, but did not receive statement from Aspire Visa. Tried number and back of card, but did not reach a live person. Tried web site and it was under construction. They finally called me; I made payment over the phone and gave them new address. Eventually received a statement at new address, but not until late fees were added on. Also, found out the credit line was reduced to $800 while the balance due on the account was still over $800 and was being charged for this, too. The interest rate has increased dramatically, and several other fees seem to be popping up, too. This has affected my credit score.

These people run my credit every month although I have not applied for credit with them and do not want credit from them. They are bringing my credit score down claiming that I have applied for credit. I want them to stop running credit inquiries on me and am concerned about this. They use different names but with the same address to do this inquiries.

First, I could never get a clear agreement of the terms with Aspire Visa. Secondly, bills were received with very little time until payment due date. There was no knowledge of changing interest rates. When I requested the account to be closed, wanting to pay off the balance, they continued to add high interest until the interest alone put the account over the limit. This caused an additional amount of almost $170 a month with no activity, making it impossible to pay this card off.

I opened an account with Aspire Visa in 2005. I opted for an option that stated if I became ill or was laid off from my job that I would be protected (as far as my payments). I was laid off from my job in late 2005 and immediately called Aspire to find out what I would have to do in order to initiate my protection. They stated I was not covered. I requested that they send me a copy of my original application and they refused and hung up on me. This conversation took place many times. I then requested that they close the account.

I can't view my Aspire Visa statement on their web site. If you need to see your bill they charge $15 fee for paper copy. They have a button for veiwing, but I was told they don't provide that information. I suggest they remove the button.

I opened a credit card with Aspire Visa a about a year and a half ago to rebuild my credit. It was during this time that I moved, changed my address via the required post card; however bills did not arrove until the Aspire card was over the limit. I was contacted and was told that if I agree to the minimum monthly payments each month this account would not accrue any more interest. What a lie! Not only is the account now accruing interest, I am being charged a $6.50 account maintenance fee every month. The card has no available balance nor does it have any available credit. I was told that as long as the account has a balance I would continue to be charged this fee even though in Aspire's eyes this is a closed account. What are my next steps? I have read some horror stories online about this company!

My Aspire Visa card was stolen in March. I reported it. Aspire Visa said they canceled the card but refuse to remove charges that placed me over credit limit. They continue charging over-limit and late fees. They call me at home and harass me, and this probably wrecked my credit

My consequences are that I pay a high rate of interest becasue I had bad credit. But that isn't Aspire Visa's fault.

I received an offer for Aspire Visa. They said I would have a credit limit of $300. But they didn't tell me about all the fees that give you a beginning balance of only $75. My account has always been up to date and I have always paid more than the minimum balance. They charge $15 for you to make a payment over the phone, so I began to make payments online. Then I began to notice that the balance online was always changing from day to day and never matched the statement they sent. So I called customer service and they quoted me a totally different balance!! When I told them about my online and paper statements, I was told that there was no way this was true and that I needed to pay what the rep said. So I said I would make the payment & I wanted to cancel the credit card. She said that I would have to pay the entire balance in order to do so. I asked if they had a payment plan, but she said no. But 2 weeks later I got a letter in the mail that said if I paid my bill on time for 6 months, there would be no finance or over-limit fees. so I called the number they gave me and thought I enrolled. But the next statement I received showed both finance & over-limit charges. I called & got nowhere with the reps, who, might I add, were not even in the US. I asked to speak to a supervisor, and was put on hold for 20 minutes. When the rep came back on the phone, she told me a supervisor would call me back. So I waited. & waited. & waited. Then the collection department called saying I was past due. I told them I was waiting to speak to a supervisor & they said I needed to make a payment & they had no record of me being in the pay assist program.

I wanted to inform people that Aspire Visa charges you every time you make a payment. I went online to pay off the bill and saw that there was a charge for $4.95 to use the service. When I called to complain about that, the customer service rep said he spoke with his manager and they'd waive the pay-by-telephone fee for me at that time. There's a telephone fee as well?? ---You can't pay your bill without incurring a charge!--- I told him repeatedly it is a ridiculous policy and he chuckled and said there was nothing he could do about it, but if I wanted to speak to a manager I could. I came here instead.

I opened an account in 2002 with Aspire Visa to build my credit and had a $500 credit limit. I only used it twice.

I got this card to build up my credit. It was the first credit card I'd ever had. From day one it has been nothing but a nightmare.

I lost my wallet and had to use the Aspire Credit Card I received in the mail. The day after using this credit card, I tried to check the account balance and cancel this card. However, there seems to be an error on my zip code information, although they had it correct when they sent me the card! Therefore, I can not access this card's account information or even speak to a representative from this company in order to cancel this card.

I'm being sued by Aspire for $3600 and I've never had a Aspire visa card. I don't think I've ever seen one.

I continually receive their statements after the due date and then get charged for late fees.

I went to this company to try to improve my credit rating after Katrina wiped me out. I have been unable to see a statement nor do they mail me a bill so I have to pay online each time listing my acct. and social. Just when I think that I have paid it off I have another balance.

Just recently I received a summons in the mail that I'm being sued for the amount of $1,445.00. Now I've dealt with aspire for awhile, was on time with payments , then lost my job due to an accident, was out of work for 2 years. I tried my hardest to make them understand my situation but all they wanted was money. So I paid what I could and when I could, but that wasn't enough for them. That’s when the threatening calls started, all of a sudden the monthly statements were on time and not late. So like I said I paid when I could. But I stopped payment in 2005 when they couldn't answer my question about fees I was getting charged for, every time I called It was a running around game and nobody had answers for me.

My mom passed away 1-5-07 and I called to cancel her credit card. I sent in all the necessary documents- such as her death certificate and everyday since then the continually call atleast 2 times a day asking for her. I tell them everytime that she has passed and the still continue to ask for her. One time they even said I know she passed, but the bill hasnt been paid in 3 months Well, if they know then why do they still ask for her, and how can she pay it if she is gone?

I applied for a Aspire Visa Credit Card in 2005 and recieved a credit limit of $300.00. After receiving the credit card I only had a available credit line of less than $160.00. Within one year even though I only spent less than $160.00 on the card they are attempting to file a lawsuit for more than $1300.00 plus attorney fees and Court Costs.

I got an Aspire Visa when I was 18 I am 23 now & I have been summoned to court on 3-22-07. The original amount was $250.00 credit line, now they are suing for almost $3000.00. I had asked the Aspire Card Company to turn the card off repeatedly to no avail, they just kept adding up over & late fees, until they reached the level I guess they were happy with. Please help all of us across the country to help us against these unethical card companies.

I was offered a Visa credit card with a $300 limit, my first credit after I had filed for bankruptcy in 2002. I used it a few times and made my payments on time.

Apsire raised my interest rate from 18% to 28%--putting me over the limit due to interest. They then began charging me $70.00 a month in over the limit fees. I called to complain and was told that the contract says they can raise the interest rate whenever they want to. If I paid the overage, they would refund the over the limit fees. I paid the overage--no refund, they simply raised my limit to $3000.00.

I have an Aspire Visa Card and was not aware of all the rates and charges that they gave me with this card. I was under the impression that I would have all of these fees the first year of opening this account and not every year that you have the account. They are going to charge me 150.00 every year for having this card. In addition they repeatedly enrolled me in third party membership programs without my knowledge or consent and then billed me renewal fees, sometimes double billing in a single month.

My wife was contacted by phone and was offered a Aspire card with a three hundred dollar credit line. This was to help my wife start her own credit. Upon receiving the card she made two purchases and at the next billing cycle she was over her limit. They didn’t' tell her that there was an annual fee of $179.00 or that they was a $39.00 setup fee.

Aspire Visa mislead us with charges not disclosed in the enrollment process. They also did not mail a statement. Fees kept snowballing. Was told by phone if $90 would be paid immediately, would not be anything derogatory reported on my credit. They have lowered my credit so much that I am now not able to purchase a home. I am now put on hold and then disconnected, so I am not able to speak to anyone at Aspire.

I paid my bills on time through my daughter’s bank account, but one day my daughter tried to pay the bill with her check as she has always done and she was told she could not. I spoke to Aspire and they told me that she needs my approval which I gave her. After that day I was sent no bills, so I called in and still I was sent no bill and now months and months has passed and I’m told my bill is over $1000.00. My credit limited was not over $500.00. My credit is being damage because of this.

Called to pay off credit card and close the account. They post dated the payment and as a result I was charged extra finance charges and they refused to remove the charges. They blamed it on the system.

I originally open this account with Providian (Aspire bought out). I didn't know about all of the hidden charges that would occur with having this card.

I have an Aspire Visa Card and was not aware of all the rates and charges that they give you with this card. Since I am trying to rebuild my credit, I was under the impression that you would have all of these fees the first year of opening this account and not every year that you have the account. They are going to charge me 150.00 every year for having this card.

This was my first credit card since I filed bankruptcy. I was charged over $170 of activation fees, plus they charged my card $100 that they told me was a yearly renewal fee! When I asked why nobody told me about it, they said I was supposed to know and they can't reverse it. I had wanted to close the account but my bill kept increasing although I rarley used it.

I accepted the Aspire card because I'd had some past credit problems, but what a mistake! I've had my account for almost a year, and after never being late with a payment, I missed one by only three days. As a result, my interest rate was immediately increased to a staggering 35.99%!!

I accepted an Aspire Visa Credit card several years ago. I have made many charges and pay monthly buy having Aspire take the payment out of my checking account so I am never late.

I got an offer for an Aspire Visa card to assist me in improving my credit. I have regretted it from day 1. I received the card in 2004 and I am still fighting w/ them on a monthly basis.

I opened a credit card account with Aspire Visa. My credit limit was $300 - $179 for the annual fee, $6.50 a month for account management only left $114 of ACTUAL CREDIT. Then I had to send $20 to activate the account!

I received pre-approved credit card from (Aspire Visa) with zero percent interest for one year. After paying my first bill online, my 2nd statement not only listed a charge of $15 for the online payment but also showed an interest rate of 27.74%.

Initially got the credit card with a $250 credit line. Of the so called credit line you get $70 in available credit. As iIused the card my credit line increased to $500 but my available credit has never been more than $100, if that.

I have never had a credit card with Aspire Visa. I have repeadedly advised them and their collectors of this. Their customer was a different James, with a different middle name, social security number, different address, etc. Every time I convince them of this, they simply sell it to another collector and persue it again.

I was sent a letter a while ago about 0% interest as long as I paid a certain amount twice but it never happened. Ihave been struggling to clear the account for the past two years.

I've had this credit card for a little over two years. Despite all my efforts, it is so hard to pay them off. Every year, they have this humongous annual fee, plus a monthly maintenance fee, and the finance charges are outrageous. It is so very difficult to make this payments. I called several times asking them to close my account and let me pay the balance and I was told that I would still incur finance charges and monthly maintenance fees.

I am charged a PERIODIC FINANCE CHARGE each month of between $98.00 and $99.00. I have tried to reach the company through the above phone number, but everything is computer generated voice response. I believe that I am being charged for things that were purchased months ago, as the Finance Charge is never written out, but as stated above...PERIODIC FINANCE CHARGE. I have emailed the company at - customerservice@aspirecard.com. Hopefully there will be a return on this inquiry. If not, I will try again, to contact a human person at the call center.

I have closed my account for more than 2 years now. Even making the minimal payment it is still over the limit. How it got to over the limit? Aspire kept adding late fees and yearly charges to an account that I have asked them to close in order for me to have paid off the $1000 balance I had. Now i's over $1900. How am I to pay that when my minimal payment doesnt even affect the balance going down?? Also Aspire claimed I could get into a program where for 6 months I wouldnt be charged any late fees or overage fees.

After 15 months of horrendous charges that drained us, I paid my account with Aspire in full and closed it on March 15, 2006. I also requested a written letter be sent to me proving my account was a closed account. They said It would be in the mail in 7-10 business days. Freedom was finally here.

I closed my account June (2004) I have been making monthly payments of $25 (sometimes more) on this account since then.

In 1995, I opened account to help build my credit. They charged me $150 plus for $300 line of credit. I paid the $150 off but kept receiving charges, after having to go to Consumer Credit Service, I paid over $600 and still could not get them paid and only used $150. To date, they are calling my house every day and sending me bills stating that I now owe over $2000. Even when I went thru death in family and illness, they never let up. They have put this on my credit report so now I cannot get it to where I can think about buying a home. I am 63 yrs old and this harrassment and overcharges has taken it toll on my health.

I received a credit card offer for $200 from Aspire. I opened the account, and begin using my card. Unfortunately, I was suddenly hospitalized but once back on the road to recovery, I begin to get back on track with my bills. Every credit card and other bills understood the situation and agreed to return my bills to normal by deleting the charges and penalties.

I cancelled this credit card one month after opening the account due to the hidden charges. I paid the balance in February 2006.

I accepted an Aspire Visa credit card offer in 1999 and used the card once or twice for a total of about $200. When I was a little late on the payment, I was charged their exhorbitant fee so I paid off the balance and cancelled the card. I may not have paid the late fee. And that was the end, I thought.

I paid my account (due on 7/21) with my checking account online, received a confirmation number, and thought it was the end of it. On July 28, I tried to use my card, which should have had ample balance, only to be told the card had been declined.

Aspire Visa offered me an account with a APR of 11.99%. My account has never been less than 29% since I opened it!

I foolishly accepted Aspire's offer of a $2000 credit line, in the hopes of beginning to repair my credit. In less than 2 weeks after receiving my DREAM credit card, I received a letter from Aspire stating that they had reduced my credit to $650, effective immediately!

I opened my account with Aspire in 2002 there hidden charges became ridiculous they would chage me when they increased my credit limit, my credit limit was increased by $150 dollars so they charged me $150 for my annual fee which really made no sense. The in 2005 I was sent an enrollment to help me balance my account when it was really an agreement for them to close my account. I was fine with that I figured I would pay it off and my credit score would be fine...well I got my bill down below my limit and I only had to pay about $300 dollars more to have it cleared...of course some how some way they said a payment did not make it on time...they charged me a late fee which put me back over the limit so then they charged me an over the limit fee plus my monthly payment which all totaled about $89. When I called to try to make arrangements because I knew if I did not pay the money I would get more fees added.

I accepted a credit offer from Aspire Visa. After being approved for the card, they required 150 dollars to be charged up front on the card, then they wanted a 20 dollar payment to activate the card. I followed through with the 20 dollar payment, but they claimed that I had provided incorrect routing and account numbers from my financial institution. Aspire Visa operates in a fraudulent manner to squeeze every ounce of money they can get out of consumers. I demanded that they close the account that I never used. I have a feeling they are going to try to bill me for something, but I am prepared to fight.

I had a card with Aspire in 1995. I paid the balance owed and closed the account in 1997. When checking my credit report a few days ago I see they said I owe them$2,400. My report show $0.00 balance.

I paid off this account some months ago. Today, I got a phone call from a lady at Aspire saying that I needed to pay another $65 but I don't know why. I would very much like to CLOSE this account, but this company is a comedy of errors and it is impossible to get professional service from them. They seem hungry for any excuse to create more charges.

My parents passed away in September and December of 2005. I notified Aspire Visa of their passing, and sent them copies of Death certificates and appointment of representation. They call me every other day, asking for documentation. I have even tried to fax it to them, and the fax never answers. They have been calling me for months now, it's May, and I also know that they must be charging late fees and interest upon interest on the bill, but then tell me, do you have proof the letter was received. The last caller, said that I was rude when I asked to speak to someone who speaks english, because I could not understand him. He then just kept saying let me talk to your sister (I don't have one) and let me talk to someone else in your house, I don't want to talk to you. I finally had to hang up it was so ridiculous.

As soon as I had reached my credit limit with Aspire they raised my interest rate to 30%, citing high balances with other companies. I had those same balances when I applied for the Aspire card.

I have had my Aspire card for almost 8 years. I had a high balance $4,400.00. I did make my minimum payment every single month.which out of my $130.00 payment only $15.00 went towards principal. BUT the worst thing is, I was able to pay it off pretty much. I paid $4,000.00.Once I did that, THEY CLOSED MY ACCOUNT. According to the 3 credit agencies, I only had 1 payment late ever, in May of 2001. I was shocked to say the least.

I paid my Aspire visa off every month and never carry a balance. I sent a payment of $250 last month but they said I only sent $60. I faxed them a copy of the cancelled (by them) check. They sent a notice back saying, "yes, it came here but was cashed by a different bank".

I applied for an Aspire Visa after they emailed me with an offer of credit dozens of times. I provided them with both my physical address and my mailing address. They still claim they cannot verify my address BUT they HAVE NEVER even attempted to verify my address--which is a legitimate address. Considering the numerous complaints I have read about them, I think I'll just stay away from them.

A couple of years ago I sent some credit cards to a credit agency to consolidate my credit and lower my rates. Aspire was one of them.

I filled out an application on the internet. I received a letter asking that I send a copy of my drivers license and a recent utility bill for them to "complete the application process" I suspected this and wrote to the company asking if they indeed needed this to be sent in the mail for approval. I never got a straight answer. I received another email saying my account had been sent to "Jefferson Company" I tried calling them and got in touch with a Mid-something company that was also a collection agency. Now I cannot get through anywhere to have it all cancelled. I'm afraid of the information I gave them on the initial application. Of course I did not send copies of any personal material.

I received a credit card in the mail after a telemarketing caller coerced me into agreeing to one to be sent. However, it was not an application, but an approved, ready-to-be activated card that I received. I also received a form labeled "Important Information." On reviewing this information, I noticed that there was a notice to the buyer that said: "1. Do not sign this credit agreement before you read it or if it contains any blank spaces. 2. You are entitled to a completely filled in copy of this credit agreement."

I just received a call from Aspire Visa stating that my account was past due and that if I would make my payments through April 21, 2006 that they would be happy to remove the late fee.