I started off with a credit balance of $500 about 2 years ago when Asprire was Providian Visa. To this day I still have a balance of 324.00 that is due. Most of this has added up because the credit card company keeps saying that my mail is being returned by the post office and my payment becomes late and past due charges have incurred. None of my other mail EVER gets returned and I've been living at my address for over 4 years.
At one point I was getting a statement every 3 months or a phone call requesting payment with past due charges. I didn't realize that I could report something like this until today when I tried to email because I no longer have the card with a phone number because I cut it up about 2 years ago.
This has made me a nervous wreck and after this is paid off I don't think I ever want to see another credit card again because I'm scared of the consequences. I need some kind of help because I don't even know how much I've actually paid to Aspire but I'm sure it's about double of what I originally owed.
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