My Aspire Visa Card program was also discontinued. I received notice the week of December 15th. Immediately I placed a call to get the details and to be assured that there would be no adverse effect on my credit rating. I have had this account for 6 years, have never been late for a payment or gone over my limit.
I was assured that I would be able to access my available credit until the 26th of December. I received my statement around the 18th, and it also showed available credit and had a statement at the bottom saying there would be NO annual fee charged since the program was discontinuing.
Well, lo and behold, when I went to use the card for Christmas shopping, I was told "transaction denied". So, I immediately called customer service, stayed on hold for 40 minutes to only hang up in frustration. When I checked online, I saw that I had indeed been charged an annual fee, using up the rest of my available credit, therefore, making it impossible for me to use the card for the rest of the time THEY told me I could.
This is extremely frustrating, and I can't help but think, it was done intentionally so that the available credit couldn't be accessed. Because trying to get the amount credited to the account will be a nightmare. Merry Christmas, huh?!
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