Now many people who hold Aspen credit cards are complaining that they can’t find ways to send their payments to the card issuer. We are providing this web log to just clear up that matter urgently. There are really several ways to make an Aspen credit card payment; online or via post or what is known as Snail Mail. Clearly to pay on the web or online you must possess a debit card or another credit card to make the payment. To pay online you will be required to have another credit card. If you don’t want to do that and want a standing order arrangement that is also possible. You can have your monthly minimum payments deducted from your savings and/or checking account at your bank through direct deposit. This can be done by downloading this Payment Form completing it and sending it along with a voided blank check by mail to

Aspen Cardholder Services

Automatic Payment Plan Department

P.O. Box 105555

Atlanta GA 30348-5555

On the form you can actually select three options, whether to pay a fixed amount, just the minimum payment or to pay up the full balance on the card. You can also make your aspen credit card payments via telephone; though there is a small fee attached to this and payments in this manner can only be made using a checking account so you should have your checking bank account number and your banks routing number to speak to the customer service agent. Depending on where you applied for the card some merchants will be able to offer payment and make these for you. Unfortunately some of these merchants might charge you a fee as well.

Payments on your card is also available through Western Union®. NOTABLY that does not apply to some state; these are Colorado, Kansas, Florida, Massachusetts, New York, Minnesota, Oklahoma, Texas, Maine and Connecticut. You just need to call Western Union Payments at 800-325-6000 and use your Visa Card or Discover credit card and make a payment. This type of payment however will take up to 48 hours to be posted to your account so you should bear this in mind if your minimum payment is due.

A paper check can be sent using FedEx, DHL or UPS. Just enclose your check payment (with your Aspen Credit Card Number on the back of the check) to

Aspen MasterCard

C/O: Remitco

4349 Woodson Rd

Woodson-Terrace, MO 63134

So these are the ways to make your Aspen Credit Card payment easily and securely and the ways that the company recommends.

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Whether you have one credit card or several paying more than the minimum payment on a credit card might seem impossible. Despite that fact if you don’t consolidate a simple debt of USD$2,000 can take up to 15 years to repay if you continue to just pay the minimum payment, the interest accumulate and the credit card debt can exceed the most likely proportions. The most likely scenario if you are burdened with credit card debt is considering credit card debt consolidation help. There are several advantages and disadvantages to credit card debt consolidation.

• Credit card debt consolidation can lower your monthly bills and allow you to begin saving.
• Consolidating your credit card debt will allow you to reduce your overall debt at a faster rate. If you have
• You can improve your credit score by eliminating bad debt and access a better debt service ratio.
• Accessing these services will give you free debt management assistance.
• You can access additional mortgage to clear off outstanding debts.
• Assist in negotiating lower balances, minimum payments, fees and interest rates.
• Remove all cumbersome fees such as late payments, over the limit fees and other cash draining fees.

What effectively this does is to merge all your debts into one and stretch this over a period of time that gives you a much lower minimum payment balance. However there are some disadvantages of credit card debt consolidation.

• If may become difficult to find a reasonable consolidated interest rate.
• The rate may effectively be the same and the difference in monthly payments might be miniscule.
• The time taken to clear of the consolidated debt might be much longer than is normal for just one credit card.
• Interest payments might work out to be more over a longer period of time.

Depending on the financial situation, credit card debt consolidation help might be an answer to the problems as well as they might not be. The standard things you should look for is, reduced credit card balances, lower, interest rates, no fees, constant credit reporting and your ability to save after credit card debt consolidation. These are very fundamental variables that will definitely require you to be very vigilant with your existing credit and cash management. Once you contact these companies they will freely provide you with a seasoned debt consolidator that can work the number through to see the best option available. You can actually do this yourself by using a financial calculator to work out what your overall expenditure would be. Every one who has credit cards should own one of these and really learn how to use it.
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Normally credit card debt consolidation will help the person who has good credit card debt and has not exceeded their credit card balance more than others.

Despite the fact that the Aspen Credit Card service is not accepting any new transactions at the moment, it does not actually mean that the service for existing cardholders will be discontinued. We have been told by sources at the card issuing bank, First Bank And Trust that the service will still be offered to existing card holders. First Bank And Trust does offer some very attractive alternatives that you can speak to them to have your card canceled and to reactivate using one of their more popular branded credit cards. These include the fact that both the cards, the First Bank & Trust Classic VISA Card and Classic MasterCard and the First Bank & Trust Gold VISA Card and Gold MasterCard have worldwide acceptance using the VISA and MASTERCARD logos and neither have any types of annual fees charged. This however does not mean that the standard card charges will not apply. The card issuer also has a very good rewards program earning miles for travel for each dollar spent. You can contact the Bank at Phone: 605-978-9300 or 877-793-3228. Speak to a representative there about your own case with your Aspen Credit card to get further information.

Here is a brief thread on how to apply for an Aspen Credit Card online or over the phone. First you need to have a few things ready. Your name, current address (this would include Apartment number, street number, contact telephone number, date of birth, social security number, email address, work address, current salary, other credit cards and some other personal information that the company might need. There are two ways to go about doing this application. You can either apply directly via contacting the Toll Free application line at 1-888-866-6807 and following the instructions or emailing the Aspen Card Company. We have however saved you the trouble by preparing a contact form for you online. Below is the form requesting some basic information. This form sends information securely to the company to their email address at cardholderservices@myaspencard.com. They will then contact you and begin the Application process by email.

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Over the last few years there has been some confusion about the Aspen Gold Credit Card Issuer and that this is a con. This is certainly not the case. The Aspen Gold Credit Card is really designed foe individuals with less than perfect credit though there are many card holders that have a very good credit score. The card is issued by First Bank and Trust out of South Dakota. In April, 2006, what was known as the First American Bank & Trust in South Dakota was purchased by Fishback Financial and the name subsequently changed to First Bank & Trust. The initial bank was incorporated in Madison, South Dakota in the late 1800’s and despite changing ownership several times throughout the years has still maintained a healthy customer base and good reputation. The bank is associated with the issuing of the Aspen Gold Credit Card and is proud to do so. The card as mentioned earlier in this post is really geared towards people with less than stellar credit scores. The card carries several notable features. These include: (please note that all dollar amounts are quoted in US currency).

• APR* is 19.75% for purchases
• Cash Advance APR is 25.75%.
• Delinquency APR for Purchases is 25.75%.
• Delinquency APR for Cash Advances is 31.75%
• Annual Fee is $150 per year
• Account Opening Fee is $29 (one time fee)
• Monthly Maintenance Fee is $78 annualized ($6.50 per month)
• Transaction Fee for Cash Advances is 5% of the advance with a $5 minimum
• Late Payment Fee of $35
• Over-Limit Fee of $35
• There is NO minimum finance charge or transaction fee for purchases.

There are of course other clauses to the Aspen Gold Credit Card that will lead to fees and other fines. However if you keep your credit card in good order you will not have a problem and you would be able to get the credit card in good condition. There are of course several rules to using the Aspen Credit Card and any other card for that matter:

• Don’t Exceed Your Limit
• Pay On Time
• Pay More than Your Minimum Payment

If you follow these three (3) basic rules then you won’t have any problems in maintaining good credit with the Aspen card or any other credit card. You can contact the First Bank and Trust in South Dakota for further information about the card offer at Phone at 605.978.1150 and Fax at 605.361.4342. This is an excellent card in our opinion for some one with bad credit. It helps to build credit score with an average but lower charges than many other credit cards for people with bad credit. To apply online you will need to send an email to Aspen Credit Card. They are currently not accepting any new applications at this time however you can email them with some particulars and they would be all too happy to assist you. Otherwise you can contact them TOLL FREE to APPLY: 1-888-866-6807.

* – APR means Annual Percentage Rate

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