In this post we try to examine in tabular for the benefits and disadvantages of the Aspen Visa Credit Card. Though a very good credit card geared at improving persons lowered credit score the card does have several shortcomings and we would like to point these out to you.

Advantages of the Aspen Visa Credit Card

• The credit card is geared to improving credit with constant reporting on status to credit companies.
• A relatively low APR in comparison to other poor credit card offerings.
• There is no minimum finance charge on the credit card
• There is no minimum transaction fee.
• You have several full proof methods to pay your credit card on time.
• Can be used at over 500,000 ATM’s globally.
• A sure fire way to improve your credit score.
• They offer daily telephone support.
• The card company is attached to a solid bank from South Dakota.

Disadvantages of the Aspen Visa Credit Card

• The offering is limited to all states in the USA with the exception of Iowa, Wisconsin, Puerto Rico or other outer lying U.S. territories.
• The fees such as late fees and over the limit fees are very high.
• There is slow response to queries via email and snail mail.
• Contact with the credit card company is limited as calls are handled by an outsourced company.
• After closing your credit card accounts due to Consumer Credit Counseling Service you r account cannot be reopened.
• Payment methods via online or through Western Union are not updated immediately, it takes up to 24 hours to reflect on your account.
• Charges on your account are not easily reversed and can affect the overall outlook of your credit rating.

Despite these advantages and disadvantages the Aspen visa credit card must be vigilantly used as a credit repair card. The user should avoid making large volume purchases and should endeavor to do three things with this card.

1. Purchase 1 to 2 items per month with your Aspen visa credit card
2. Pay twice on your Aspen card per month, both times before your statement is due and more than your calculated minimum payment.
3. Check your balance constantly and write to the company requesting the period when they make credit reporting.

If you do this we guarantee that your credit score and balance should be safe.

Watch This Video To Help You Control Your Credit Score

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