My ASPIRE Visa was cancelled for absolutely no reason. I always pay my balance in full each month and often ran a credit balance with the company. My credit is in excellent shape with no late payments or anything else adverse on it. I tried to call customer service to talk with someone about the problem but low and behold the number had been disconnected. Then I called the number for the main office listed on the back of the card. Guess what, I did reach someone who told me that all the staff had been fired and the office was closed. Smells like BANKRUPTCY to me.

Despite having an 'Outstanding' credit history for the past 15yrs., Aspire Visa has had an extremely negative impact on our credit. It has effected our FICO score as well as our other credit cards. (APR)

It wasn't until today that I discovered this site, what has been done to us has been done to many... As I read! I'm wondering if anyone has found out any info. in resolving the issues that Aspire Visa has caused???

I have been a customer at aspire for over 3 years now, and I have never been late in those 3 years, and have even paid off my balance in its entirely once.

Today (November 28, 2008) I received a letter in the mail stating they were terminating my credit card effective December 8, 2008, but I am still responsible for my entire balance. This is after they already charged memy annual fee, which should not have happened if they knew they were folding.

I did not call their customer service because I have already had enough problems in the past in dealing with them, but I have also read numerous complaints about customers calling about this same exact problem and getting no results. I agree with everyone on here in that there needs to be a class action lawsuit against this company, because we should they have shady business practices that need to be investigated further. As consumers we should not be responsible for our balance if they are the ones closing, since it is their fault and not the ones who are timely consumers.

As for people curious about class action lawsuits, they are rather easy to start. You have to hire an attorney that deals with civil suits (you want one that is experienced in class action suits). Then you will tell them about your case and that it is nationwide, then they will do the rest. Keep in mind most civil attorneys usually ask for 30-40% of whatever you win.

I called their customer service today to get a new card, as mine had just expired. Nobody, including the supervisor, was able to access my card information and I was told my account had been purged from the system due to inactivity for over 90 days (the balance was paid off a few years ago). I had received no letter informing me of this, and wouldn't you know it, I am able to access my account information both online and via their telephone account status information, and as far as I can tell, the account is open. I am at a loss as to what to do next, as I am now the proud owner of an account in limbo.

My credit card started being declined at stores on 11/10/08. At first I thought it was a bad scan but then I realized that something was wrong with the card. After attempting to make an online purchase I was notified the card was declined again. Upon calling customer service I was notified that Aspire Visa was discontinuing it's services and was never given a reason why. When I asked 'Robert' if ALL of the Aspire Visa accounts were being discontinued I was notified that 'Aspire Visa is discontinuing it's services' He would never specify if it was just my account or others as well.

I called back a second time with more questions about my account and spoke with 'Robert' again. I am currently waiting and have been waiting for over 30 minutes on the phone to speak with a representative that can discuss my actual account information. It is now 2:06 am. I am very disappointed and disgusted with their customer service.

I will evaluate this last bill with a magnifying glass to make sure they are not stealing any more of my money. My account limit has never been reached and I pay the bill off every month. There is no reason on my end why the card should be discontinued. Will this hurt my credit in the end?? My credit at current is perfect. Their customer service is repulsive.