Aspire Visa Credit Card Review

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Aspire Visa Credit Card
1 stars
Average rating for this product is: 1 out of 5

From 14 ratings and 129 reviews

Thumb down 16% of users recommend this product

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xoxo52204's Review of Aspire Visa Credit Card

7th Aug 2007

Overall Rating

0 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    0 stars
Good Points

Good for building credit.


Bad Points

Terrible customer service.
High APR


General Comments

I got this credit card as my first card to build credit when I was 18. I paid on time every month, and they gradually increased my credit limit. The website and customer service is horrible and you can barely understand the customer service reps. They lost a check once. I called a few days before it was due because it still hadn't posted and they said they never got the check. So I had to pay to have the check cancelled and pay it online before it was late. I started paying online after that incident, and then after a few months they started charging me $4.95 to pay it online. They just had to get extra money out of me somehow. I had this card for 2 years, built up my credit and got another card with a much lower APR. I called Aspire to see if they could lower my APR and I would stay with them. They wouldn't lower the rate even though I never made a late payment in the 2 years I was with them, so I told them to cancel the card. They asked if I was sure I wanted to cancel because of all the benefits that come with the card, which included having the visa logo on the card and the ability to make purchases with the card, but not pay for them until later (when the bill was due). I wouldn't call those benefits and I did cancel the card. I would not recommend becoming an Aspire Visa customer unless you have bad credit/no credit and need to help build it up. If you do that, don't stay with them very long because it's a horrible company!

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Members' Comments onxoxo52204's Review

  • Clair Rank: Brigadier on 9th Aug 2007

    I think you are being a little harsh on this company as they served their purpose. There are other companies that do the same like Capital One who know that they are not going to have your custom for long so charge a higher interest rate (rather than a lower one over a longer time frame), and they are able to do this because people like you said with bad or no credit rating need this service. I must say though I do think it is unfair that they charged you for online payments.