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. As the use of credit and debit cards increases, so do the instances of fraudulent activities associated with these cards.Thieves may steal the physical card and use it as their own or may steal just the card number and pin via hacking or other means and use them to purchase items online. All together, this means more of your money can go toward paying down your debt. (See eligibility requirements here.) Like many people I'm having trouble paying my credit cards because of COVID 19. All financial products, shopping products and services are presented without warranty. They did nothing but let the interest build. Today, most people carry credit cards and debit cards to make everyday purchases. They also sent me to collections after only 30 days late even though Consumer Credit Counseling was sending them partial payments on my behalf. Thank you, you have successfully subscribed to our newsletter! 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. I reported the card stolen the same day I spoke with the Fraud department. A sign-up bonus that rewards the balance transferred: Unlike most credit cards, when you transfer a balance to the. (Many cards charge a 3% fee.) 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. 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. (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. » 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. Need a more rewarding credit card? Now please note these are opinions of other people and I can’t really vouch for the accuracy of the statements. 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.). There are enough of us on here to file a class action suit against them and SHUT THEM DOWN. Some of the reviews on the NerdWallet site were purchased through a third party provider. Enjoy reading our tips and recommendations. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Even that ongoing interest rate range is decent and might be lower than your current one, depending on what you qualify for. I turned the letter over to read the terms. A link has directed you to this review. First National Bank Visa Credit Card is a credit card issued by First National Bank. ... Let's take the Tribute MasterCard and the Public Savings Bank Secured Card. Most credit cards specifically prohibit this. For starters, it offers the sought-after trifecta of zeroes: a $0 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. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. Mastercard benefits: Extended warranties, price protection, ID theft resolution. So I guess I am the first non 1 star reviewer... if anything changes tho - I will be sure to do a proper update to this review. This page includes information about the Aspire Platinum Rewards Mastercard® and the Discover it® Balance Transfer (No longer in market) currently unavailable on NerdWallet. The Bank of Missouri Visa® Platinum Card is a pared-down, no-nonsense credit card with a great low introductory APR for purchases and balance transfers. 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. Review Centre – only 19 out of 114 users recommended the Aspire Credit Card. With all the negative reviews I can’t see how they got a 3 1/2 stars. *Your credit score will be available in your online account 60 days after your account is opened. The credit limits and interest rates they were offering me in my pre-approved letters couldn't possibly not accepted me for even lower limit and higher rates!! And if you're looking to transfer a particularly large balance, you can find cards that offer much lengthier intro APR periods. It's a low rewards rate, but some balance transfer credit cards don’t offer rewards at all. - Duration: 4:33. They refuse to reopen the account because they said I went over my credit limit on two occasions in the past year. 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. Credit card tools, Aspire reviews and credit card details. Makes no sense at all and huge waste of time and aggravation. Original review: Dec. 3, 2020. ALWAYS CHECK REVIEWS prior to getting a Credit Card. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. They continued to bill me for the protection but do not allow it to be used. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Aspire Visa Credit Card Review . I spoke to them several times with no satisfaction. I called to find out why if I canceled this account I’m getting charged this fee. Melissa Lambarena is a credit cards writer at NerdWallet. I was also able to connect to their website to log in with my new account. » MORE: NerdWallet’s best credit union cards. Valerie. I checked that and it wasn’t. All financial products, shopping products and services are presented without warranty. First National Bank Visa Credit Card Review. With the. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Unsubscribe easily. I received a pre-approved letter for a Aspire credit card with a $700 credit limit. 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. It had a zero balance so I wasn’t worried, but I went to check it to make sure it was closed, and suddenly I had a $64 bill. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. Get buying tips about Credit Cards delivered to your inbox. Balances transferred after that don’t incur a balance transfer fee, but you’ll have to pay the ongoing APR. When you picked up a few Bank of Missouri credit cards that are good for your credit, review their terms and benefits. I received a few letters from them in the mail saying I was pre-approved. Modest rewards: The Aspire Platinum Rewards Mastercard® offers 1 point per $1 spent on all purchases. I figured I would apply for it to pay off a couple of bills. Find the best card for you. offers 3% cash back on all purchases made in the first year, and 2.5% after that. They are Thieves. You can compare all of their offerings and apply for the most popular here. The Aspire Platinum Rewards Mastercard offers a coveted combo of debt-busting features. Not good for customer service, not willing to listen, zero perks and not willing to work out payment plan which ended up over the limit because of their ridiculous fees! The online application went as they stated it would & it was actually approved. Aspire Rip Off Report. The creditor for Aspire Visa cards is Columbus Bank and Trust. We’ll start sending you the news you need delivered straight to you. $150.00 account maintenance fee and a late fee of $40 lol, I’m not that desperate. Other balance transfer card options allow you to sidestep membership hurdles, but may come with drawbacks of their own. » MORE: NerdWallet's best balance transfer cards. Pre-qualified offers are not binding. To see how these options stack up with the competition, see our roundup of the. Many or all of the products featured here are from our partners who compensate us. 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months. Balances transferred after that don’t incur a balance transfer fee, but you’ll have to pay the ongoing APR. I saw so many terrible reviews on this card so I was skeptical when they sent me an offer for $2000 limit, $0 annual fee and $0 maintenance fee. If you're wondering whether First National Bank Visa Credit Card is the right card for you, read on. 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. That's an impressive combo. 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. Aspire Credit Card Complaints & Reviews. 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. Liz Stapleton. Save on interest with a great low introductory rate for an extended time. So how do we make money? You can redeem points for travel, cash back, gift cards and merchandise through the CURewards website or app for iPhone and Android devices. Consider the Discover it® Balance Transfer (No longer in market). Points are worth 1 cent a piece regardless of the redemption option you choose. (Many cards charge a 3% fee.) Aspire Platinum Mastercard review: A balance transfer credit card for the budget-savvy consumer Joining a credit union can bring welcome perks, like lower credit card interest rates. The First Access Visa® Credit Card (issued by the Bank of Missouri) is available to people with bad credit, but having bad credit shouldn’t sentence you to a bad card. showcases some coveted features for a card designed primarily for tackling debt. This company should be investigated by the FTC. 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. the letters kept getting better as far as interest rate, yearly fee and credit line. We use industry standard practices to protect and maintain the privacy and security of your information online and in our app. (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. However, this does not influence our evaluations. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. Its location on this page may change next time you visit. They will show up on your credit report as a hard pull if you have applied for a credit card. (, ) Other balance transfer card options allow you to sidestep membership hurdles, but may come with drawbacks of their own. The Bank of Missouri. APR 36.00%, annual fee $175 for the first year then $49 every year after. Select your favorite card design from our gallery, for free! Compare and apply for credit cards from Aspire. When evaluating offers, please review the financial institution’s Terms and Conditions. We believe everyone should be able to make financial decisions with confidence. I'm post BK, 623 score...seems legit. Balance transfer fee: $0 for balances transferred during the first six months of opening an account. Get 0% introductory APR on balance transfers for the first six months, and then the ongoing APR of 10.90% - 18.00% Variable. 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 had this card for about a year, had a zero balance and I knew that when my year was up they were going to charge me a monthly fee and an annual fee of $59. All together, this means more of your money can go toward paying down your debt. But so far, it has fraud protection & a free credit score feature when logging in. This company is not yet accredited. $175 Joining fee. If you favor a $0 annual fee, the 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. Supplied all necessary information, responded within the time frame and after three months was told they rejected it because it came in late, even though it was sent (2 copies) within 15 days. This site may be compensated through a credit card issuer partnership. To keep your finances simple, you may want to avoid putting expenses on the card until you pay off your transferred balance. Two other cards were fraudulently used and the purchases were forgiven. Everything so far, looks on the up & up. They then reported my account as closed by credit grantor which dropped my score. Membership at New Jersey-based Aspire Federal Credit Union is available to employees of participating organizations and their qualifying family and household members. December 19, 2020 • @valeries_20. The credit limit for a Central Bank of India Aspire Credit Card is generally offered based on the amount deposited by the customer, while opening the Cent Aspire Term deposit. My Bank and statements show NO ATTEMPTS to take this money. NerdWallet's ratings are determined by our editorial team. With the help of aspirecard.com the customers of the company can enjoy many free services of aspirecard.com. Both of these credit unions offer memberships with a qualifying donation. offers 1 point per $1 spent on all purchases. Written By. To see how these options stack up with the competition, see our roundup of the best credit card offers right now. 0. The card … (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 Visa Rating Based on 13 Reviews. If they are on your report, but you didn't apply for a card, Credit Glory helps you dispute and remove the inquiry. You'll get a coveted combo of debt-busting features, plus ongoing rewards to boot. Here is a list of our partners. Get 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. Complaint / review / scam report Aspire Credit Card Beware of this company! . The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Our partners cannot pay us to guarantee favorable reviews of their products or services. They charge you 25.00 when they feel like it stating automatic payment did not go through. 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. See reviews below to learn more or submit your own review. Do not forget to check annual fee and penalty fees as well. They did however call me every single day. In addition to those, Bank of Missouri issues the Ollo Platinum and the Ollo Rewards credit cards. This is everything you need to know to make a good choice. Aspire would never answer their offer and they tried to leave multiple messages. We value your privacy. Do not get any card … 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. Aspire & Atlanticus are credit card affiliates of The Bank of Missouri. I've had only issueis with this particular organization. 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. The way I look at, there must be a valid reason for all the negative comments about this card. This may influence which products we write about and where and how the product appears on a page. Me just being the unlucky one, is a stretch to believe at this point. You don’t have credit card debt: 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 am expecting the credit card within the next 2 weeks. The Aspire Credit Card product are issued by The Bank of Missouri, St.Robert, Missouri. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. 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