yeah...guys aspire visa is the worse card that u could have at this point if you do! get rid of it...the a.p.r is ridiculous! and iam currently having the worse experience with it. so a couple of months back i charged $400.00 I WAS late maybe on 2 payments suddenly my account is up$ 800.00 so i called and asked them to settle with me for 600 dollars they didnt want too.. i called several other times and they still didnt want to compromise with me.. so now moths later almost a year my account is 1500.00. they brought a law sue against me and they send my info to the city marshalls..so now the city marshall is after me. i refuse to pay 1500.00 dollars worth of all types of additional feel and late fee.