The Aspire Visa Card is a Trap!!

My husband and I originally accepted the undesirable terms of the Aspire card because we had been trying to recover from bad credit. We wanted to rebuild our credit, be responsible, and buy a house. To do this we needed revolving credit to show we could make payments responsibly.

Since with our bad credit, we would not be accepted by a respectable credit car, we went with Aspire as there were no other options. We understood the terms, read the find print that was provided, etc. We knew that we were getting a credit limit of $300.00, that we would be charged an annual fee of $150.00 and an activation fee of $29.00. Besides that there was the monthly maintenance fee of $6.50. This would mean we would start with a debt of $185.50. We were willing to make the sacrifice in order to help ourselves rebuild our credit. However, it soon went down hill. Two years later our credit is perfect, except for one thing, Aspire. Aspire is the only thing that is reporting badly on our credit and holding us back from our dreams of owning a house. Why? Because Aspire is now falsely reporting information to the credit bureau and we cannot get them to fix it.

The problems we soon found with being the proud owners of the Aspire Visa Card: First, we did not receive regular statements in the mail. They were hit or miss. But we would certainly get a prompt notice if we were late on a payment. We never really knew when our payments were due. If you call customer service, and can understand what they are saying in their heavy accents, we found out our due date was “on or around the 22nd”. What kind of due date is that? But that is the only answer we could receive from them. There is not any adequate online service to view your account and track your payments and purchases.

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