topic Re: Aspire Credit card in Credit Cards

Aspire Credit card

janov — Wed, 16 Oct 2019 01:21:14 GMT

Hi everyone i have an interesting (for me) question

Months ago i received a preapproved mail offer for an Aspire Credit card. I tried to look for it everywhere and i wasn't able to find any information about it. I discoverd that there is an Aspire Visa card cheap card and an aspire credit union card but neither of them are that card. I was sure it wasn't the best of card it has an annual fee of 39$, a 22% APR, it's a mastercard and no rewards, the only thing i discoverd is that is issued by Bank of Missouri but i couldn't find any kind of information in this forum and neither on other places. Anyway at time (june) i applied and got approved, maybe it wasn't the best but with my limited history it was my highest limit card and it still is.

They pulled experian and from that stop. The card never apper on any report ever, I used it, it works and i always paid in full, no issue at all.

So i'm wondering who i'm banking with? I had no issue with them and it's still my best card for CL but i don't understand why i can't find any kind of information about it neither on google (it appears but you really have to look for it) and i'm worried becouse it never show on a credit report. I've opened it thinking it can help my history right now and cancel it in the future since it has a AF, i hope i still can do it. Thank you for all the help!

Re: Aspire Credit card

staticvoidmain — Sun, 28 Feb 2021 07:57:28 GMT

Are you talking about this?

https://www.aspire.com/product/aspire-credit-card/#

My guess (I could be wrong) is that it takes them a while before they start to report the account.

AMEX, for example, can take upwards of 3 months before reporting a new account.

Re: Aspire Credit card

janov — Wed, 16 Oct 2019 02:25:40 GMT

yes it is! do you know it?

Re: Aspire Credit card

Brian_Earl_Spilner — Wed, 16 Oct 2019 02:31:17 GMT

I used to have an Aspire Gold card from years ago. I just shredded it the other month when I came across it in an old wallet. I never had problems with them and they definitely reported back then.

Re: Aspire Credit card

staticvoidmain — Wed, 16 Oct 2019 02:43:40 GMT

@janov wrote:
yes it is! do you know it?

Sorry, I do not know much about it. I just googled and found it. Check out the cardholder agreement, they mention things about credit reporting. Of course, you can also contact them.

CREDIT REPORTS AND INFORMATION

Credit Reports
You authorize us to make or have made any credit, employment or other investigative inquiries we deem appropriate to renew,
review or collect amounts owed to us on your Account. We also may obtain follow-up credit reports on you for any lawful purpose as long as you
have an outstanding balance.

Notice of Information Reporting 
We may report information about your Account to credit bureaus. Late payments, missed payments, or other
defaults on your Account may be reflected in your credit report.

Information Sharing
You acknowledge and agree that we may share information about you with others in accordance with our Privacy Notice (a
copy of which we will provide to you and may be obtained from www.aspire.com/my-account as it is in effect from time to time).

Notice of Inaccurate Information
If you believe that we have information about you that is inaccurate or that we have reported or may report to a
credit reporting agency information about you that is inaccurate, please notify us of the specific information that you believe is inaccurate by writing to
us at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555.

Re: Aspire Credit card

Maker_Bayfield — Wed, 16 Oct 2019 14:26:39 GMT

Janov,

I to have this card as it was one of the few that would accept me out of BK. I've had it for about 3 months now and haven't had any issues outside of inept customer service.

By that I mean mine, like yours, hasn't showed up on my credit report at all. My due date is the 4th of every month, statement closing date is the 7th. I have diligently made sure to have a zero or extremely low balance for utilization purposes.

When I first got the card, I did an online chat with a CSR who told me that it would report on the statement date, it didn't. I am in my third month and recently did another online chat asking again, this CSR told me he didn't know when the statement date was or when it would report........like i said, outside of the inept CSR's and not reporting, i haven't had an issue.

Re: Aspire Credit card

janov — Thu, 17 Oct 2019 00:46:15 GMT

Hi maker,

I can say the same, no particular problem with the customer service but i asked them just one time and they really don't know a lot. The card works and for me is good, it's just annoying that it doesn't show on the credit report, right now i'm at my 4th statement. Hopefully it's just slow, i'll wait and let you know if it will show.

thank everyone for your answers!

Re: Aspire Credit card

Maker_Bayfield — Mon, 28 Oct 2019 12:27:41 GMT

Has your's ever reported. I'm going into my 4th statement of not reporting. I PIF every month and am tempted to leave a small balance to see if that kick starts the reporting. Otherwise this does me zero good in my rebuild.

Re: Aspire Credit card

janov — Wed, 30 Oct 2019 19:06:04 GMT

It appearead today both on experian and transunion, after my 4th statement. The annoying thing is that is shows as opened this month and not in july so i'm missing 4 months of age

Re: Aspire Credit card

Maker_Bayfield — Thu, 31 Oct 2019 13:26:05 GMT

Thanks for replying, its nice to hear that it at least finally does start

Re: Aspire Credit card

Anonymous — Sun, 01 Dec 2019 16:18:13 GMT

also, the Problem comes, when like me you travel outside the US, like Europe there is a whole nother Story as long as you say just eat, you fine, but if you say want to buy anything like Souvenir or so, it ask for a Vendor ID on the Mashine, so you stay there and won't be able to buy it, as Europeans, like in the USA, have no idea what to enter, as you don't have a Vendor ID to confirm, also me calling the Aspire, Mailing them and asking what the Hell this supose to mean? The Customerervice agent, who I am sorry but 99% clue less says, well then ask them to call us,,,LOL,,,yea like a say German Vendor works with 6 hour difference and pays for the phone call to the USA and still then have no idea what Aspire wants. I must say, I expect that stupidity from a German or European, as when it comes to Credit Cards, specialy in Germany they are total idiots, but noooo, from a USA Card? LOL come on aspire is the year 2019, **bleep**

Re: Aspire Credit card

Anonymous — Tue, 21 Apr 2020 23:14:52 GMT

So I got offered an aspire card with 3% cash back.. their site gives me no real information about it so anyone know about that card at all?

Re: Aspire Credit card

batsy71 — Wed, 22 Apr 2020 17:35:48 GMT

Can you give some more details about the 3% cash back?

IS it this one: https://www.aspire.com/product/aspire-cashback-reward-card/ ?

It still says 1% cash back on the website.

Re: Aspire Credit card

Anonymous — Fri, 24 Apr 2020 17:58:49 GMT

just adding some info to an old post hope this helps

lots of companies only "make statements" and report if you use the card during the month and leave alittle balance on it lots of times if you pay in full before the statement date ( all be it smart) they wont report your activity to the credit reports because they have to pay to report so if they arent making money off you then they dont report for you

alot of times during a rebuild its smarter and "better" for you to leave a small balance /pay alittle interest/ and get the reporting

it will help you in the long run

commenity / synchrony/ aspire/ bbva / merrick / all operate this way just to name a few

during a rebuild you have to look at what you want to acheive the credit card comapnies are not your friends or there to help you no matter what they say they are there to make money

also lots of companies will NOT give you limit increases if you never carry a balance Ive learned they mostly operate on a "past 3 months" schedule

on these lower cards for rebuilds carry a balance for a few months cooming up to your 6 mtnh / 12 month / 18 mnth / and so on dates a and you will likely receive limit increases its a way of "cheating the algorithim" in a way

think of it as spending alittle money in interest to gain alot of available credit thus boosting your profile

Good luck to all

fyi

post bankruptcy 2 years over 700 all 3 20 plus accounts 40k car loan and many credit cards over 10k limits

Re: Aspire Credit card

Anonymous — Mon, 04 May 2020 16:50:01 GMT

Its very odd.. but it is that one found at aspire.com. It says pre-approved for 1500 limit plus 3% cash back. Unfortunately it comes with a 59USD annual fee and a 60 annual account maintenance fee. Not only a way low limit but the fees are high. Weird my score did got down but still in the 700s. I would have to spend 2K a year to make up the fees alone plus it bills monthly, which means I would never really have a reported zero balance. I hate that.

Re: Aspire Credit card

pete19103 — Mon, 04 May 2020 20:45:48 GMT

You could try prepaying next month's monthly fee in advance so it should post at $0

Re: Aspire Credit card

joltdude — Tue, 05 May 2020 03:45:25 GMT

I wonder if this is related to the company that Discover sold the Bravo card to... that was also called the Aspire Visa.... Similar to the Bravo card, it could be used as a credit card, or you could write checks on your CL at a 2-3% lower APR than the CL...

-J

Re: Aspire Credit card

Anonymous — Sun, 17 May 2020 16:02:32 GMT

I've had good luck with Aspire and they have been reporting to the credit bureaus. Also, after 5 going on 6 months of having the card and proving my credit worthiness to them with on time payments they sent me a pre acceptance offer for their Aspire Cash Back card that I also accepted. The Aspire card is yet another card issued by The Bank of Missouri. It actually shows on the credit reports as TBOM/Aspire. I don't think you can apply, but rather they send out pre acceptance (not pre approval) offers where after submitting their acceptance number you're in. I don't know if it's the same for everyone, but the credit limit on the first card was $700 and the credit limit on the second card was $500. You cannot make an increase request. There is a processing fee of $99 that they deduct from the card and then after one year there is a $175 annual fee. The fees are high, but I'm the one with poor credit having higher limit credit cards thanks to Aspire. I will keep the cards until their expiration date, if not longer. I sure wish Ollo was the same. Ollo sends pre approved applications rather than pre acceptance offers and I'm waiting for my invite

Re: Aspire Credit card

Anonymous — Mon, 25 May 2020 03:01:55 GMT

I've also received the pre-approval from Aspire Mastercard. 3% cash-back, $1,500 limit. The fees are ridiculous, $150 af the first year, then $29 af the scond, along with a $150 maintenance fee the second year, billed monthly. 24.24% APR. But, it is unlimited 3% cash back. Doesn't take too much to make up those fees, $5k spend the first year, $6k the second. My highest non-category reward rate is 1%, so this would tripple that for everything I spend over the 5-6k. I'm actually considering this, but I haven't been able to find any info or reviews on it. Anybody have experience, or advice?

Re: Aspire Credit card

Anonymous — Sun, 28 Feb 2021 05:28:33 GMT

So I got a preapproval for this card it said 1500 limit no annual fee which I'm like wow, so I applied and they said they needed documentation from me which I sent to them they needed a copy of social security card and a utility bill in my name I sent all of that and they approved me and it's for the 1500 limit. I was worried about if the no annual fee was right so I chatted with a guy online and he's like let me look and he came back said no annual fees and no monthly fees I don't know how that is, but I'm not going to complain because I have annual fees on my other ones and when they come due I'm dumping them this is the highest card limit I'll have with no annual fee I'll use it and maybe carry a small balance from time to time just to get them to report and give me a higher limit down the road. I figure if I can get a 2000 limit or get it up to it I'll be good enough don't need to much credit I don't think. Anyone else get a preapproval with no annual fee from them?