Aspire Credit Card Reviews

The one time I tried to use this card online, for $24.95, it was declined, so I never tried using it again. The only charge I ever had was the $6.50 monthly maintenance fee, that I faithfully paid on time. I had the account active to rebuild my credit.

I've called Customer Service twice and they say it shows my account is closed. They tell me that the balance will be zeroed out since it is an annual fee with maintenace fees and now late fees on top of it, and not purchases made by me. But to get this resolved, has become a nightmare.

She informed me of the card balance and I told her again I would have to call her back because I could not talk about this at work. She continued to be harrassing and stated "it's on $24.00 you dont have that in your account. I again told her I could not discuss this at work and I disconnected the call.

I called to find out why my card was being declined and was informed that although I have $1,000 credit limit, I can only use 50% of my limit . And, if a payment is not made before the 9th of the month, I will be charged a $35 over-the-limit fee.

We recently moved so I checked the box on my statement and put in our new address. The following month I did not receive a statement so I called the 800 number on the back of the card but there is not a real live person to talk to. It is all automated and when I entered my information the recording said there were no matches! Go figure!

Aspire Visa finally decided to call me but it was a month later! When I asked what address they had for us they gave me the new one. I told them I hadn't received a statement and all they said was late fees would be on the next month's bill.

If they had my new address they knew exactly where to forward the statement, they just simply did not do it.

After reading through the paperwork, I found out that I had to pay a $150 annual fee, $29 account opening fee, and $6.50 every month as an account maintenance fee. Totaling $238 a year. When I talked to customer service, I was told I had to pay $20 a month to stay current ($240 a year).

I am leaving for Iraq in 3 days, and don't have the time nor money to pay the balance on a credit card I have never used. I don't feel I should have to pay $238.00 just because they sent the card to me. I was under the impression that I could read over the information, and decide if I wanted to keep the credit card.

I already knew that my past credit would prevent my getting a card but their promise, along with the extremely high interest rate, led me to believe that they were willing to speculate.