aspire visa credit card reviews | Watch This Item.

Average Ratings
Customer service1.4/10 Based on 43 ratings
Value for Money1.5/10
Reviewer Rating1.7/10
Overall Rating2.1/10 Based on 143 ratings

View Last 6 Months Only

16% Recommended21 out of 129 Reviews
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129 Review Centre Aspire Visa Credit Card Reviews

  • Full review by
    Guest.
    on 1st Aug 2008


    User Rating : 0
    Respect : 0

    Good Points: Easy to get the card.

    General comments: Customer Service is marginal at best; they charge you $4.95 to pay your credit card bill online, which they should offer free like most card companies since it cuts costs and offers easy ways to pay; the interest rate is HORRIBLE. This credit card/financial institution in Georgia needs to go AWAY. Something needs to be done to them and their predatory lending practices.
    Guest's review and ratings     | 68 words

  • Review by
    Guest.
    on 16th Mar 2008


    User Rating : 0
    Respect : 0

    I am a person that likes credit cards, I always pay my cards on time and always pay more than the amount due. Aspire is the worst credit card I have ever had. Their intrests rates are unheard of. It doesent matter if you pay your bills on time they will never lower your interest rates. They haven't mine anyway. I paid them off with another one of my credit cards with a 11.24% intrest rate instead of 29.99% intrest rate that Aspire charges. Check around good before you get this card, Please!
    Guest's full review     | 91 words

  • Review by
    julieplumb
    on 12th Feb 2008


    User Rating : 0
    Respect : 0

    I used the Aspire Visa Credit Card, tried to cancel - paid my bill and they never posted payment and a year later showed huge balance due to late fees. I found the only way to settle was to pay this bill which I did. They NEVER updated my credit report and after (3) years it is still showing UNPAID which has hurt my credit.!!!!! Help! What can I do to reach them????
    julieplumb's full review     | 87 words

  • Review by
    lhall58
    on 9th Feb 2008


    User Rating : 3
    Respect : 0

    They were a good company as long as I paid my bill in full each month, but now I can't understand how my bill was $400.00, I paid $100.00 and now my bill is over $500.00. I used my card at Christmas to buy presents and also moved the next month and had a lot of moving expenses. I used it on line also. I ran up my balance to over $400.00. Upon receiving the next statement, I immediately called them and made a payment of $100.00. I cancelled this card because some on-line companies had continued t ...
    lhall58's full review     | 205 words

  • Review by
    johm
    on 4th Feb 2008


    User Rating : 1
    Respect : 0

    Aspire Visa Credit Card with the high interest it will take you a life time to pay of the credit care bill, so, don't get this care if you can help it.
    johm's full review     | 37 words

  • Review by
    anitac
    on 27th Dec 2007


    User Rating : 0
    Respect : 0

    I had aspire for a few years. We paid it off back in 2006. Now we got a letter in the mail saying we owe them $2700. We are in collections from midland credit. I don't understand how they can get away with what they are doing. If you pay something off, there is no way they should contact you any more.
    anitac's full review     | 60 words

  • Review by
    Guest.
    on 22nd Dec 2007


    User Rating : 0
    Respect : 0

    The information in this is factual and this is one of the worst companies to deal with. They will cause their users to have a nervous breakdown.
    Guest's full review     | 96 words

  • Review by
    NOOTNOOT
    on 28th Nov 2007


    User Rating : 1
    Respect : 0

    GET BETTER CUSTOMER SERVICE, AND ASPIRE WOULD BE A GREAT COMPANY TO DO BUSINESS WITH.
    NOOTNOOT's full review     | 29 words

  • Review by
    dmorton
    on 27th Nov 2007


    User Rating : 1
    Respect : 0

    Don't use this service as a way to rebuild your credit.
    dmorton's full review     | 30 words

  • Review by
    jlsmith223
    on 7th Nov 2007


    User Rating : 0
    Respect : 0

    I will state that I was never late or over limit on this card in the two years I used it in college HOWEVER I have recently had a problem with it... I closed it over a year ago. In Sept 2006 I paid it off and closed it only to get a forwarded piece of mail this year stating that not only was an annual fee charged this year but it was past ue... on a closed account. I finally got in touch with someone in India who said "well do you have proof" I told her I could give her the pay off date, the ...
    jlsmith223's full review     | 213 words

  • Review by
    charles70769 Rank: Lance Corporal
    on 29th Oct 2007


    User Rating : 0
    Respect : 0

    Aspire Visa have been very unhelpful, and have expected me to pay, even if my credit card hasn't worked when trying to use it at retail stores.
    charles70769's full review     | 88 words

  • Review by
    beatricemay
    on 19th Oct 2007


    User Rating : 0
    Respect : 0

    Outrageous charges, poor customer service, poor website for making payments (usually down), can't provide payoff balance to close the account - this way they can keep it open to post more charges. DO NOT GET THIS ACCOUNT, IT WILL FOLLOW YOU LIKE THE PLAGUE!!!
    beatricemay's full review     | 49 words

  • Review by
    bubbabean Rank: Corporal
    expert review Expert Review
    on 16th Oct 2007


    User Rating : 8
    Respect : 0

    I posted a review of this card last year when I'd had it for about four months. Now, I have had the card for about 15 months. I am still pleased overall with this card, much more than the other "rebuilder" type cards my husband and I have, even considering the high fees I paid when I first opened this account! (STAY AWAY from First Premier (no cli in over a year and they charge a high fee to pay online) and Orchard (they will offer you a low interest rate and then jack it up, and also give no ...
    bubbabean's full review     | 523 words

  • Review by
    mike93612
    on 7th Oct 2007


    User Rating : 8
    Respect : 0

    To date I have had a really good experience with Aspire. I started with a balance of $500.00 then after several months of paying on time they increased my limit to $1,000.00. I try not to charge more than I can pay off in two to three months. I have never had to contact anyone by phone but I did request a card for my spouse through email and have her added to the account and they did it with no problems.My only complaint is the $4.95 they charge to make my payment on line but I can write it off ...
    mike93612's full review     | 112 words

  • Review by
    molly3000
    on 1st Oct 2007


    User Rating : 0
    Respect : 0

    In my opinion, the Aspire Visa Credit Card is not a good card at all, as the interest is too high.
    molly3000's full review     | 23 words

  • Review by
    suzieq5421
    on 28th Aug 2007


    User Rating : 0
    Respect : 0

    I find the Aspire Visa Credit Card a terrible card for the interest rate they charge. They have continuous hassle with the internet log in and payment centre and offer no help on phone.
    suzieq5421's full review     | 34 words

  • Review by
    xoxo52204
    on 7th Aug 2007


    User Rating : 0
    Respect : 0

    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 t ...
    xoxo52204's full review     | 293 words | 1 comment added.

  • Review by
    DAMARIS FIGUEROA
    on 22nd Jul 2007


    User Rating : 2
    Respect : +1

    The Aspire Visa is the worst credit card to deal with. Their customer service is non-existent, and I will now have to take the matter further.
    DAMARIS FIGUEROA's full review     | 137 words

  • Review by
    creditguru
    on 22nd Jul 2007


    User Rating : 4
    Respect : 0

    Let's face it! If you have bad credit you'll have to pay to establish your credit. Fee's for the cards are worth paying for if you are trying to re-establish credit. Keep your balance very low on the Aspire Visa Credit card, and pay your monthly payment on time and you'll be OK.
    creditguru's full review     | 101 words

  • Review by
    crewmom
    on 3rd Jul 2007


    User Rating : 0
    Respect : 0

    First I cancelled the my Aspire account, but continued to pay it off. The charged me a $50 annual fee, but did take it off when I called an explained the account was closed. Then the nightmare began!!!! Paid off card online but they assessed a $15 fee after the fact. I knew I paid it off so I forgot about it. Then I got a bill for $100+ I emailed them to ask for copies of statements, but never got them. Every month a new $35 late fee plus interest. Now, a collection notice from Midland ...
    crewmom's full review     | 107 words | 1 comment added.


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