Each time I visit make use of this card I've to contact them simply because they won't let me cost onto it for no cause. Two other cards were fraudulently used and the purchases were forgiven. It does have an annual fee, however: PenFed Platinum Rewards Visa Signature® Card, earns 5 points per $1 on gas purchases at the pump, 3 points per $1 on supermarket purchases and 1 point per $1 on all other purchases. I've had only issueis with this particular organization. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. *Your credit score will be available in your online account 60 days after your account is opened. Unsubscribe easily. Its location on this page may change next time you visit. Most credit cards specifically prohibit this. Sign up to receive our free weekly newsletter. Aspire Visa is a credit card issuer that provides different services of financial nature. Complaint / review / scam report Aspire Credit Card Beware of this company! Aspire would never answer their offer and they tried to leave multiple messages. Credit Card Insider has not reviewed all available credit card offers in the marketplace. I paid what was owed and closed the account. Ok np, the letters kept coming, so 1 fail that put an inquiry on my report after the deals again got better I figured maybe they fixed the issue with facial recognition, so now my credit even better I tried again. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Eventually I talked myself into it to use it to keep business expenses easily separated for taxes. With the help of aspirecard.com the customers of the company can enjoy many free services of aspirecard.com. $150.00 account maintenance fee and a late fee of $40 lol, I’m not that desperate. They charge you 25.00 when they feel like it stating automatic payment did not go through. NerdWallet's best no balance transfer fee cards, You can get a longer introductory APR elsewhere if you’re willing to compromise on the balance transfer fee. All together, this means more of your money can go toward paying down your debt. Our partners compensate us. Low fees: There's no yearly cost to carry the card, no fee for transferring a balance during the first six months, an intro APR period for balance transfers, and a lower-than-average 1% foreign transaction fee. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. It wanted my bank info, np except my bank wasn't on there 20 bank list...however it let me bypass but again was denied. First National Bank Visa Credit Card Review. You can't have both. Review Centre – only 19 out of 114 users recommended the Aspire Credit Card. I think there should be a another class action suit against them. We value your privacy. They also sent me to collections after only 30 days late even though Consumer Credit Counseling was sending them partial payments on my behalf. If they are on your report, but you didn't apply for a card, Credit Glory helps you dispute and remove the inquiry. Consider the, Discover it® Balance Transfer (No longer in market), 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR, annual fee and a 3% intro balance transfer fee and up to a 5% fee on future balance transfers (see terms. So, I have read a bunch of these reviews.... and I am wondering if I am dealing with the same company. December 19, 2020 • @valeries_20. (Many cards charge a 3% fee.) My Bank and statements show NO ATTEMPTS to take this money. » MORE: NerdWallet's best no balance transfer fee cards, You need a longer intro APR period: You can get a longer introductory APR elsewhere if you’re willing to compromise on the balance transfer fee. They are Thieves. It has a $0 annual fee and a 3% intro balance transfer fee and up to a 5% fee on future balance transfers (see terms.). 0. Aspire & Atlanticus are credit card affiliates of The Bank of Missouri. The Bank of Missouri is a U.S. based bank with over 100 years of history. If you are not going to pay off the balance on your new credit card, check out interest rates. Complaint / review text: Aim Charge Card Situated In Atlanta Ga, www.aspirecard.com I've had this charge card for more than 2 years. offers 1 point per $1 spent on all purchases. I was told that this was standard and in my terms agreement. Rating details. Points are worth 1 cent a piece regardless of the redemption option you choose. https://aspire-visa.pissedconsumer.com/aspire-visa-credit-card-8182/RT-C.html To keep your finances simple, you may want to avoid putting expenses on the card until you pay off your transferred balance. NerdWallet's ratings are determined by our editorial team. *Your credit score will be available in your online account 60 days after your account is opened. The Bank of Missouri Credit Cards. Aspire Credit Card Complaints & Reviews. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. REPORT COMPANIES LIKE THIS TO THE FTC. Bonus points are also up for grabs through the CURewards website when you shop at participating merchants. Be the first one to find this review helpful. All that was fine, but when I got my last statement, they said my interest rate was going up 13 percentage points. The initial charge was $1,500.00. Our opinions are our own. You'll get a coveted combo of debt-busting features, plus ongoing rewards to boot. , for example, balances transferred within the first 45 days get an intro APR period but incur a balance transfer fee. With the Barclaycard Ring® Mastercard®, for example, balances transferred within the first 45 days get an intro APR period but incur a balance transfer fee. Review: Aspire Credit Union Platinum MasterCard Balance Transfer. Some of the reviews on the NerdWallet site were purchased through a third party provider. Mastercard benefits: Extended warranties, price protection, ID theft resolution. , an offer Aspire notes is worth $50 in cash back. Find the best card for you. Aspire Credit Union Share Certificates; Aspire Money Market Accounts; Aspire Savings Accounts; Checking Accounts; Individual Retirement Accounts (IRA) Products; Report Lost/Stolen Card; ROUTING # 226076083; Aspire Loans. Aspire Card Review. Please see our Terms of Use and Posting Guidelines for more information. I've lost my credit rating forever. The way I look at, there must be a valid reason for all the negative comments about this card. Membership is required and the intro APR period is relatively short. I cancelled my card and got the hell out! Even that ongoing interest rate range is decent and might be lower than your current one, depending on what you qualify for. APR 36.00%, annual fee $175 for the first year then $49 every year after. Makes no sense at all and huge waste of time and aggravation. The average APR charged in the fourth quarter of 2018 for credit card accounts that incurred interest was 16.86%, according to the Federal Reserve. For starters, it offers the sought-after trifecta of zeroes: a. annual fee, a 0% intro APR period, and a $0 balance transfer fee for balances transferred during the first six months of opening an account. 24/7 mobile account access with no security deposit required; $0 fraud liability if your card is lost or stolen; All credit histories considered for this no security deposit credit card; Online Customer Center available 24 x 7; Issued by The Bank of Missouri I received a pre-approved letter for a Aspire credit card with a $700 credit limit. FAQ. Annual fee: $0. offers a hard-to-find combination of debt-busting features, along with modest rewards and some unique perks. 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months. I am expecting the credit card within the next 2 weeks. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Balances transferred after that don’t incur a balance transfer fee, but you’ll have to pay the ongoing APR. That was a joke, apparently my 1 year old license pic didn't match up after 6 tries with phone and laptop so I emailed them. They did however call me every single day. Content is not provided or commissioned by any credit card issuers. Many or all of the products featured here are from our partners who compensate us. $0 for balances transferred during the first six months of opening an account. Get. The Surge Mastercard® Credit Card issued by Celtic Bank and serviced by Continental Finance, is an unsecured credit card targeted to those with limited or poor credit. Extended warranties, price protection, ID theft resolution. When I said that, the agent I spoke to got annoyed with me and told me that it’s They can. The Aspire Platinum Rewards Mastercard® showcases some coveted features for a card designed primarily for tackling debt. Liz Stapleton. Thank you, you have successfully subscribed to our newsletter! Pre-qualified offers are not binding. This time no facial recognition, sweet! NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. I was also able to connect to their website to log in with my new account. This may influence which products we write about and where and how the product appears on a page. You'll have to be a member of Aspire Federal Credit Union to get the card. The average APR charged in the fourth quarter of 2018 for credit card accounts that incurred interest was 16.86%, according to the Federal Reserve. I know that this card has been reported to the FTC a lot, I know that there was a lawsuit for their predatory practices when it was with Compu Credit. So how do we make money? Both of these credit unions offer memberships with a qualifying donation. It is an independent community bank and currently operates 23 banks throughout Missouri. In addition to those, Bank of Missouri issues the Ollo Platinum and the Ollo Rewards credit cards. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. It's a low rewards rate, but some balance transfer credit cards don’t offer rewards at all. As a Visa credit card, customers can enjoy unparalleled benefits from Visa International. » MORE: NerdWallet’s best credit union cards. It offers an intro 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 11.99% - 22.99% Variable APR. Years ago I fell on hard times and defaulted on several credit cards. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. Aspire closed my account after I applied to use the credit protection I had been paying for. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. Sign-up bonus: 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months, an offer Aspire notes is worth $50 in cash back. Credit card tools, Aspire reviews and credit card details. And if you're looking to transfer a particularly large balance, you can find cards that offer much lengthier intro APR periods. I signed up with Consumer Credit Counseling to negotiate lower interest rates and payments. The Hilton Honors American Express Aspire credit card is ideal for regular travelers who are loyal to the Hilton brand. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews. Balance transfer fee: $0 for balances transferred during the first six months of opening an account. Access your accounts lightning-fast by using Fingerprint or Pin — even check and monitor your credit score for free with VantageScore3.0®. I had no money to pay them so I stuck on the back shelf waiting for a time when I could take care of them. ), If you have good credit and are in the habit of paying off your balance in full each month, other credit cards can reward you much more handsomely. I will definitely keep the original offer & receipt of approval in case this goes south. Most credit cards specifically prohibit this. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. There are enough of us on here to file a class action suit against them and SHUT THEM DOWN. It does have an annual fee, however: $0 intro for the first year, then $99. To see how these options stack up with the competition, see our roundup of the best credit card offers right now. A sign-up bonus that rewards the balance transferred: Unlike most credit cards, when you transfer a balance to the. You may also be able to join as a member of the Marine Mammals Stranding Center, Aspire's partner association, and by depositing $5 into an Aspire Federal Credit Union bank account. I figured I would apply for it to pay off a couple of bills. NerdWallet strives to keep its information accurate and up to date. 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