Kait of Mastic, NY, writes:
I had been using this credit card for over a year and now my intrest rate after my Christmas purchases went up to over 30 percent APR. This is crazy. I have a decent balance and I pay $90 just in interest. I could be paying this card off for the rest of my life. Someone really needs to do something about this company. I am a fulltime college student who also works fulltime. I feel like I am just working to pay off my Aspire Visa bill.

Dana of Lanham, MD, writes:
Where do I begin? I feel as if this company as been screwing me over since the beginning. I had just moved from home and was just beginning on my own. I had gotten this card to help make a few purchases for my new place. Like many, I believed that making the minimum payment would be all right, but it wasn't. I was paying more and more every month. I currently pay a 36.75% interest rate that continually goes up.

I finally ended up moving back home and consildating my bills. Aspire wasn't among them because they didn't accept my consolidation company's offer. Another thing that they had forgotten to mention: currently I am way over my credit limit and they have just cancelled my purchasing powere with this card. What I don't understand is how that they could do this when I cancelled and cut up the card over a year ago. I've have a list of other complaints about this company too. I've written the Attorney General's office in both Maryland and Georgia about this company's business practices and am waiting to hear back from them.

I'm in debt with this company up to my ears, they have harassed me at my workplace with nasty and threatening phone calls. Currently, I am trying to transfer the balance of the card to another so I can pay it off.

Don of Washington state, writes:
Aspire Visa purchased my account from Providian. I had just received a good behavior limit increase the month before the transfer. The very next month when I tried to use my card it was denied. Without notification they closed my account. They sent me a letter about a month later telling me that I could no longer use my card. There was no one to talk to, I tried everything and there was no recourse. It makes no sense.

Alice of Salt Lake City, Utah, writes:
I have used the Aspire Visa card for about two years now. I also have a Providian card. Aspire has a lousy website. I pay my bill through my bank on-line just to avoid the $15 charge. Who has ever heard of that? Paying a fee to make a payment on a website that is worthless? They charge me 16% APR and the Providian card charges 22%. But I like the Providian better. Right now I have been trying to get on to their website and can't. Where is there a good card for a person who is retired and on a fixed income?

Barry of Seattle, Washington, writes:
I got the Aspire Credit Card about 5 years ago. Not due to bad credit but simply because one of the applications came in the mail. On this card I pay 29.99% interest rate whereas all of my other cards I pay 10%-12% interest rates. My biggest complaint is the lack of customer service. I finally found a number to talk to someone and someone somewhere in Mexico said "Your account is closed, what do you want?" Well duh, I know the account is closed because I closed it. I stated my issue and she gave me a number which was totally automated. No option at all to talk to a person. Then the interest rate just makes it all the worse.

I would not recommend this card to anyone at all. This is the worst card ever.

Mike of Fargo, North Dakota, writes:
Aspire Visa acquired one of my Credit cards from Providian (that had a perfect history for 4 years) and sent me a letter offering me 15.9% if I accepted the balance transfer. I accepted and they immediately started charging me 29.9%. If you by chance get through to a human being, they say that they have no control over the interest rate. Additionally, they told me before I accepted that I could pay online, but they didn't tell me that there was a $15 charge for doing so. Run away screaming from this company, no matter how badly you need the credit.

Mary of Casper, Wyoming, writes:
I got this Aspire Visa credit card 5 years back. As I learned it gave me only $500 starting balance and a huge interest rate and yearly fee, I decided to not use the card and hence, never bothered using it. Now, after five years, when I checked my credit report, it showed aspire visa's open balance of $270. I tried to dispute the balance via experian, however, the dispute was denied. I have been trying to call Aspire's 800 number (that experian) gave without any luck. Looks like they don't have any human being working for them. I am just confused as to how did my balance go up so much when I never activated the card to start with?

Allen of Redding, California, writes:
I got an email about this Aspire Visa credit card stating I was preapproved! Little did I know at the time, the annual fee is ridiculous, they make you pay 20 bucks before you can use it the first time and they call you when you are 30 seconds late on a payment. They will call you on a saturday and demand payment by a postdated check that you dont have. And then they want to charge you 15 dollars to make a payment over the phone. They have no internet support whatsoever, you can't look at your statements, nor ever talk to a live human being unless they call you to harass you! I hate this card and wouldn't recommend it to my worst enemy!