I got an ap from Aspire Visa, which offered 0% interest for 9 months if I did a balance transfer within 2 months of opening.
I opened the account, and in a few weeks called to do the balance transfer. The credit rep said that the charges would be 5% with a max of $50. She also confirmed that the
account would be charged 0% interest if I
did a balance transfer within 2 months.
I checked back a week after I did the transfer, and and the rep this time told me that the charge was $150, and that the account would be charged the full interest rate, ~20%. He told me that there was nothing I could do, unless I faxed a statement from them back to them stating that I would get the 0% interest, and $50 max transfer fee.
I thought it was strange that there was no mention of 0% interest rate when I got my first statement. The only mention of 0% interest was on the ap itself, and I had to
send that in to open the account.
Their customer service is pretty bad. I was put on hold the second time no less than 10 times. The rep didn't seem to know much of anything about my account without
asking his manager. I could tell by his accent that he was calling from India.
Either the rep I talked to the second time didn't know the terms of my account, or the company defrauded me when I opened the account. I'll have to wait for the next
statement to find out how much I am being charged.
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