I've lost my credit rating forever. 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. 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. Aspire Rip Off Report. Select your favorite card design from our gallery, for free! I was also able to connect to their website to log in with my new account. Aspire Credit Card Complaints & Reviews. ©2019 Atlanticus Services Corporation. I spoke to them several times with no satisfaction. So, I have read a bunch of these reviews.... and I am wondering if I am dealing with the same company. 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® offers a hard-to-find combination of debt-busting features, along with modest rewards and some unique perks. 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. Bonus points are also up for grabs through the CURewards website when you shop at participating merchants. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. It's a low rewards rate, but some balance transfer credit cards don’t offer rewards at all. You can compare all of their offerings and apply for the most popular here. A 0% intro APR offer and a potentially low ongoing interest rate: The card provides a short break from interest payments when you transfer a balance. Most credit cards specifically prohibit this. The card … It took me years to build my credit score to what is is today which is good, not great but in the 700 range. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. It is important to be aware of all possible fees and charges to be able to manage your credit card account responsibly. They refuse to reopen the account because they said I went over my credit limit on two occasions in the past year. 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. showcases some coveted features for a card designed primarily for tackling debt. Written By. Melissa Lambarena is a credit cards writer at NerdWallet. Eventually I talked myself into it to use it to keep business expenses easily separated for taxes. Highly not recommended! 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. The most popular Bank of Missouri credit cards are the Milestone Credit Card, the First Access Visa and the Total Visa. ... Let's take the Tribute MasterCard and the Public Savings Bank Secured Card. I received a pre-approved letter for a Aspire credit card with a $700 credit limit. . And if you're looking to transfer a particularly large balance, you can find cards that offer much lengthier intro APR periods. Please see our Terms of Use and Posting Guidelines for more information. (Many cards charge a 3% fee.) Or opt for a. from a major issuer, where membership isn't required. Get. If you are not going to pay off the balance on your new credit card, check out interest rates. Today, most people carry credit cards and debit cards to make everyday purchases. Even that ongoing interest rate range is decent and might be lower than your current one, depending on what you qualify for. The bottom line: This card offers some hard-to-find features for those looking to pay down debt, and its modest rewards may make it worth keeping around afterward. 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. Do not forget to check annual fee and penalty fees as well. The initial charge was $1,500.00. , for example, balances transferred within the first 45 days get an intro APR period but incur a balance transfer fee. When evaluating offers, please review the financial institution’s Terms and Conditions. See reviews below to learn more or submit your own review. Everything so far, looks on the up & up. Unsubscribe easily. 0% introductory APR* on balance transfers for the first six months. Membership is required and the intro APR period is relatively short. For more information about reviews on ConsumerAffairs.com please visit our Manage card control features Report fraud Enjoy! 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. Save on interest with a great low introductory rate for an extended time. First National Bank Visa Credit Card is a credit card issued by First National Bank. Our content is intended to be used for general information purposes only. Unsubscribe at any time. That's an impressive combo. Original review: Dec. 3, 2020. 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. I am removing myself from their prescreen offers as I am not falling for it again to get 4th inquiry that was worthless and hurt more than helped at all. 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. The fact that they outsource makes me angry enough. Be the first one to find this review helpful. Two other cards were fraudulently used and the purchases were forgiven. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. However, this does not influence our evaluations. ConsumerAffairs is not a government agency. A sign-up bonus that rewards the balance transferred: Unlike most credit cards, when you transfer a balance to the Aspire Platinum Rewards Mastercard®, it counts toward earning the card's sign-up bonus. 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. The Aspire Platinum Rewards Mastercard offers a coveted combo of debt-busting features. 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. Thank you, you have successfully subscribed to our newsletter! 0% introductory APR on balance transfers for the first six months, and then the ongoing APR of 10.90% - 18.00% Variable. When you picked up a few Bank of Missouri credit cards that are good for your credit, review their terms and benefits. I've had only issueis with this particular organization. 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. Our partners cannot pay us to guarantee favorable reviews of their products or services. I was told that this was standard and in my terms agreement. To see how these options stack up with the competition, see our roundup of the best credit card offers right now. Aspire would never answer their offer and they tried to leave multiple messages. 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. If you prefer credit unions, the, Alliant Cashback Visa® Signature Credit Card. This may influence which products we write about and where and how the product appears on a page. ALWAYS CHECK REVIEWS prior to getting a Credit Card. Credit Card Insider has not reviewed all available credit card offers in the marketplace. After that, it’s either $5 or 2% of the amount of each transfer, whichever is greater. (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. They also sent me to collections after only 30 days late even though Consumer Credit Counseling was sending them partial payments on my behalf. Aspire Account Center lets you manage your credit cards anytime, from one place. offers a hard-to-find combination of debt-busting features, along with modest rewards and some unique perks. When evaluating offers, please review the financial institution’s Terms and Conditions. It also offers a sign-up bonus — toward which balance transfers count — and its ongoing rewards can make it a useful card long after you've crushed your debt. The Bank of Missouri Credit Cards. Someone from the Philippines. APR 36.00%, annual fee $175 for the first year then $49 every year after. I think there should be a another class action suit against them. I paid what was owed and closed the account. , it counts toward earning the card's sign-up bonus. 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. 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. Its location on this page may change next time you visit. It does have an annual fee, however: $0 intro for the first year, then $99. offers 1 point per $1 spent on all purchases. 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. 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. Balance transfer fee: $0 for balances transferred during the first six months of opening an account. But so far, it has fraud protection & a free credit score feature when logging in. Check account balances, view payment activity and transaction details, set up notifications — and lots more. We value your privacy. https://aspire-visa.pissedconsumer.com/aspire-visa-credit-card-8182/RT-C.html Clearly they are predators. I checked that and it wasn’t. Disclaimer: NerdWallet strives to keep its information accurate and up to date. How do I know I can trust these reviews about Aspire Visa? Enjoy reading our tips and recommendations. They have receipts, time of purchase and store locations. Copyright © 2020 Consumers Unified LLC. I figured I would apply for it to pay off a couple of bills. The way I look at, there must be a valid reason for all the negative comments about this card. $175 Joining fee. This was the annual fee of $59 plus the five dollar monthly fee. Other balance transfer card options allow you to sidestep membership hurdles, but may come with drawbacks of their own. After that, it’s either $5 or 2% of the amount of each transfer, whichever is greater. Modest rewards: The Aspire Platinum Rewards Mastercard® offers 1 point per $1 spent on all purchases. Read more. Melanie. This review was posted by a verified customer. 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. Consider the Discover it® Balance Transfer (No longer in market). Membership at New Jersey-based Aspire Federal Credit Union is available to employees of participating organizations and their qualifying family and household members. Both of these credit unions offer memberships with a qualifying donation. APR: 0% introductory APR on balance transfers for the first six months, and then the ongoing APR of 10.90% - 18.00% Variable. They will show up on your credit report as a hard pull if you have applied for a credit card. As a Visa credit card, customers can enjoy unparalleled benefits from Visa International. This is everything you need to know to make a good choice. I called and canceled the account. 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. A sign-up bonus that rewards the balance transferred: Unlike most credit cards, when you transfer a balance to the. They then reported my account as closed by credit grantor which dropped my score. There are enough of us on here to file a class action suit against them and SHUT THEM DOWN. This company should be investigated by the FTC. ), 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. Review Centre – only 19 out of 114 users recommended the Aspire Credit Card. If you prefer credit unions, the Alliant Cashback Visa® Signature Credit Card offers 3% cash back on all purchases made in the first year, and 2.5% after that. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months – that includes balance transfers. I was pre-approved for $1,500 with a $0 annual fee & $0 maintenance fee. We use industry standard practices to protect and maintain the privacy and security of your information online and in our app. (, ) Other balance transfer card options allow you to sidestep membership hurdles, but may come with drawbacks of their own. They charge you 25.00 when they feel like it stating automatic payment did not go through. Bad phone customer service....I could literally hear a person in the background during my call, yelling at children while preparing a meal...just astounding that this card exists. Find the best card for you. It is an independent community bank and currently operates 23 banks throughout Missouri. Good luck with this company. 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. You'll have to be a member of Aspire Federal Credit Union to get the card. Like many people I'm having trouble paying my credit cards because of COVID 19. Product: The Bank of Missouri Credit Cards. 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!! So I went to sign up online with my acceptance code and came to a facial recognition page that matched up a pic of me with my license. I reported the card stolen the same day I spoke with the Fraud department. All financial products, shopping products and services are presented without warranty. After 2 emails they told me to screw off and wouldn't accept me or that there was any fault or problem on their end. This is the first time this has ever happened to me. Balances transferred after that don’t incur a balance transfer fee, but you’ll have to pay the ongoing APR. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. 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.). † Your credit score will be available in your online account 60 days after your account is opened. Pre-qualified offers are not binding. Do not get any card … They are Thieves. 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. Most credit cards specifically prohibit this. I called to find out why if I canceled this account I’m getting charged this fee. offers 3% cash back on all purchases made in the first year, and 2.5% after that. So how do we make money? Hilton Aspire Credit Card Review | Best Co-Branded Hotel Credit Card? FAQ. They did however call me every single day. I received a few letters from them in the mail saying I was pre-approved. This site may be compensated through a credit card issuer partnership. I signed up with Consumer Credit Counseling to negotiate lower interest rates and payments. 0. The Bank of Missouri reviews, contact info, products & FAQ. $40 late charge. Verified customer Aspire Credit Card — failure to report paid in full. 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. My Bank and statements show NO ATTEMPTS to take this money. All financial products, shopping products and services are presented without warranty. I disregarded the first few letters as I didn't want another card with a yearly fee. 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. *Your credit score will be available in your online account 60 days after your account is opened. 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 The Aspire Credit Card product are issued by The Bank of Missouri, St.Robert, Missouri. I would not wish this card on my worst enemy. 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. 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. I turned the letter over to read the terms. Membership is required, though, and the intro APR period is relatively short. $0 for balances transferred during the first six months of opening an account. Aspire FCU Credit Card Rewards Program; Report Lost/Stolen Card; My Credit Card Online; Aspire FCU Financial Products. The Aspire Platinum Rewards Mastercard® showcases some coveted features for a card designed primarily for tackling debt. Unsubscribe easily. You can redeem points for travel, cash back, gift cards and merchandise through the CURewards website or app for iPhone and Android devices. Some of the reviews on the NerdWallet site were purchased through a third party provider. Makes no sense at all and huge waste of time and aggravation. All together, this means more of your money can go toward paying down your debt. Even that ongoing interest rate range is decent and might be lower than your current one, depending on what you qualify for. Stay away. Aspire closed my account after I applied to use the credit protection I had been paying for. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. It's a low rewards rate, but some balance transfer credit cards don’t offer rewards at all. Want a basic, low-rate credit card; Bank of Missouri Visa® Platinum Card Review. Extended warranties, price protection, ID theft resolution. 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. Or opt for a rewards credit card from a major issuer, where membership isn't required. - Duration: 4:33. 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. To see how these options stack up with the competition, see our roundup of the. 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months. (Many cards charge a 3% fee.) Points are worth 1 cent a piece regardless of the redemption option you choose. (See eligibility requirements here.) Balances transferred after that don’t incur a balance transfer fee, but you’ll have to pay the ongoing APR. Comment. Bozo the clown must wrote those terms because they are laughable. Aspire & Atlanticus are credit card affiliates of The Bank of Missouri. But if you're not interested in joining a credit union or you need a longer interest-free window for balance transfers, explore other options. The Bank of Missouri offers credit cards that help people with fair or poor credit rating to rebuild and improve their credit scores. NerdWallet's ratings are determined by our editorial team. Share Report Copy. $150.00 account maintenance fee and a late fee of $40 lol, I’m not that desperate. Our partners compensate us. Now please note these are opinions of other people and I can’t really vouch for the accuracy of the statements. Mastercard benefits: Extended warranties, price protection, ID theft resolution. 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. 2 inquiries on my report.. A couple months later again letters and this time a very good deal and yes was dumb enough to fall for it again, denied are 3 inquiries on my credit report and still no card. If they are on your report, but you didn't apply for a card, Credit Glory helps you dispute and remove the inquiry. Users who post a review directly on the NerdWallet site will not be compensated in any way. Me just being the unlucky one, is a stretch to believe at this point. December 19, 2020 • @valeries_20. 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