Aspire Credit Card Offer

Author: hwbullhead
Joined: 09 May 2004
Posts: 19
Posted: Sat May 15, 2004 2:12 pm
Post subject: Aspire Preapproved Offer-LOL

I just received a new preapproved notice from Aspire. In some ways, it's better than the offer I signed up with back in Sept 2003. Back then, I paid something like a $100 annual fee, plus $7 a month for a participation fee. Their new offer is as follows: APR for purchases: 29.75% APR for cash advances: 35.75% Annual Fee: $85 I don't see a particiaption fee anywhere in the summary of credit terms. Since I pay off my cards every month, this wouldn't be a horrible deal, but I think I'll stay away from them. I'm afraid they'll pull their no statement trick on me. I canclled the card three months after I got it originally, so I shouldn't go back to them, right?

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Author: Guest
Posted: Sat May 15, 2004 4:33 pm

Those fees are outrageouos, no doubt about it. I do not know your credit situation, but if you need to take the card to build history then go for it. Have you compared this offer to a secured card? If you can afford to put money down for a secured card, I would do that instead of taking this crummy offer. If you don't have an extra $500 laying around, then take this card. HOWEVER, MAKE SURE YOU PAY IT OFF EVERY MONTH. DO NOT CARRY A BALANCE, EVER! I put that in caps because that is how important it is.

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Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 317
Posted: Sat May 15, 2004 6:05 pm

run Forrest run and run to the nearest credit union and apply for a credit card even secured as long as they report to the CRA's.

native

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Author: rhwbullhead
Joined: 09 May 2004
Posts: 19
Posted: Sat May 15, 2004 8:20 pm

I know it is a crummy offer, but I don't expect much as I just had a chapter 7 BK in July 2003. I already have an Orchard Bank card, which is a good deal for those with poor credit, and two secured cards. First Premier and Aspire send me an changing offer every month now.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2159
Location: Illinois
Posted: Sat May 15, 2004 8:30 pm

webgroups.biz/creditcardperks/phpBB2/viewtopic.php?t=1091

Look here, see if you don't see another creditor that may help you. This is a list put together by a friend of bankruptcy friendly creditors.

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