Aspire Credit Card Reviews

i agreed to the program just so I could lower the payments and get them off my back. to get into the program I had to make 6 consecutive payments. i did so only to find out that my state of new york is not covered by said program that was offered. I look at this as if I am giving aspire close to $2000 just to pay of a $1000 credit card? This is ridiculous! Aspire is a conniving company. If I could go back to the day I signed up for this in college I would have never went with aspire. i make sure that I warn everyone about aspire and their nasty ways. I need some help in how to go about paying off just what I owe and not the extras they have me accruing.

Later a charge from an automatic 45 day payment plan was debited. I immediately canceled with the company that received the automatic payment funds. Then on July 21, 2006 I called Aspire to dispute the charge being made on a closed account. I agreed to pay the final charge and demanded Aspire wave 'other fees.' This time I requested a confirmation number proving that I called and owed nothing else and that my account was properly closed. I also requested for a second time that a written letter be sent stating a closed account. I was told that it would be in the mail in 7-10 business days.

In August 2006 the original charge I previously paid was billed to me again (along with a late charge). I called on August 23,2006 and demanded why my account was still active. Repeatedly I was told that my account was closed. All anyone wanted to discuss was Aspire graciously fixing there 'error', my balance being zero, and assuring me the account is closed.

I disputed that an account that has any type of activity is not a closed account but an open one.

My credit limit was $1750 and I have cut my bill to $1690. I think that this is predatory and I will never be able to pay this bill off.

They continue to charge me $33 or more each month for finance charges. I see no way out of this.

It has affected my credit report, my health, constant harrassment even with death in family over $150 that I paid back many times over and every month it just gets higher and higher. My blood pressure is high along with other physical illness due to the stress of this whole mess. I have paid the bill in full many times over.

Aspire however told me that this was not their fault and they charged me over limit and late fees. This eventually went from a $200 balance to a $900 balance. Everytime I call, no one wants to help me, and I never get to speak to an account manager when I ask for one.

We just received mail attempting to collect $102.87. I tried to call the company but my social is not even recognized with the company. Checking my credit report they have reported deliquent amount. I never misssed a payment and paid the balance off.

Now, 7 years later I am being called 2-3 times a day from a collection agency to collect over $300 — which is more than I even ever used the card during the 2-3 months I had it. I asked them for a record of my bill and payments, and, of course, the collection agency doesn't have any info. They say the company has been sold so they have no records.

I looked up their website, which of course, doesn't offer an online statement, just your balance in the 'make a payment' option. I couldn't access the site - it was down. I spent the rest of that day and all of the next trying to access the site. I checked my checking account, and the payment has been taken out, was taken out that day. Yet, somehow, I'm past due, and over my limit by more than fifty dollars. I would love to hear their excuses, but their absurd hours for customer service won't allow me to.

I have been receiving my bills, and paying them on time. I cannot continue to pay these huge Finance charges for the use of their card.

This was during the Christmas season and since I was short on cash I used my card to purchase gifts. I hadn't even received my first bill yet and they were already reducing my line of credit?

They were 2 weeks late in sending me my first billing statement and had already assessed me an over the limit fee and a late payment fee! I attempted to contact them more than 10 times by telephone, to no avail and also by written correspondence. They sent me a letter 5 weeks later giving me some irrelevant information, but never addressed my complaint!

They do not work with there customers at all and they will try to get more out of you if they can. All in all it is a year later and I have to pay almost $500 if not more for a card I had gotten down to $300 dollars and also that I can not even use and have not used in a year. Aspire is truly a rip off. My credit score is also ruined.

My credit score was up to 711, but because of this it has fallen to 500.

I had to pay $65 I was not expecting.

They were more than happy to let me run my card up to the limit at the lower interest rate and then the very next month they raised my interest rates. I have been transferring as much of my balance as I can to other cards at 0% making sure there is nothing in the contract stating they can raise me to the highest rate possible because of my other cards

So now I am out $250 and don't know who cashed the check from their company.

After the agency took over paying my credit card bills, on time I might add, Aspire called and told me I was behind in my payments. I tried to explain that a credit agency was sending the payments but she wouldn't listen and kept cutting me off. I was at work at the time, which is a busy establishment, and couldn't be on the phone arguing over a credit card.

When I checked later, the payments were made on time and the error was theirs. There was another instance, before I consolidated my credit, when I got a call saying my payment hadn't been received. I checked my check register and saw the check had been cashed.

I called the customer service number, and after determining some basic information (like my APR), I was transferred to Ryan the supervisor to find out why my copy of the agreement had blank spaces labeled "Name of bank officer", "Office Held", and "Insert date of revised agreement." He refused to give me that information, stating that it was private. He refused to give me his last name, stating that was private. He claimed that Columbus Bank and Trust provided the money and Aspire provided the customer service.

He refused to answer my questions and eventually told me that I should "use my discretion" in accepting this card. While I was talking to him, I looked on this web site and noticed the list of complaints about Aspire and told Ryan that I would like written confirmation that I have rejected this card and any affiliation with Aspire. He has promised one in "7 to 10 business days." I then called Columbus Bank and Trust only to find out that the only service the bank provides is the manufacturing of the cards. Where does the money come from, I wonder, if the bank doesn't provide it?

I checked my chech register and I told him I had made my payment on time and how could I be past due $10. He told me it had to do with federal regulations and that the $10 was interest accrued during the Jan. to Feb. cycle. He looked up my account and said that I had indeed sent in my payment on time and for the amount that was the minimum due.

He kept saying he was sorry and wished he could offer me a better explanation on what happened. It was the man on the phone that quoted to me the amount that was due on that bill, and that I had paid that amount. I became very upset with him as I had not done anything wrong, but he was telling me I would have a late charge on my next bill if I didn't pay him immediately on the phone. I paid the sum he asked for and asked him to have someone inform me how this could happen.

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.