How to contact Aspire customer service

Aspire Credit Card customer service is available by phone, mail, and online through your account dashboard. The phone number is on the back of your card — that's the fastest way to reach someone who can look up your account. You can also log into your Aspire account online and use the messaging feature to submit questions in writing, which creates a record of your request.

Aspire is a product of The Bancorp Bank, so some services route through their systems. If you're calling about fraud, a billing error, or a lost card, have your card number and a recent statement ready. Phone wait times are typically shortest on weekday mornings before 10 a.m. Eastern time.

Key Takeaways

  • Call the number on the back of your Aspire card to reach a representative who can access your account when ready.
  • Use your online account dashboard to message customer service in writing if you prefer a record of your request or cannot call during business hours.
  • Fraud and billing disputes have specific processes — tell the representative when ready so they route you to the right department.
  • Mailing address and other contact methods are listed in your cardholder agreement or on the Aspire website under "Contact Us".

What you can handle through your online account

Many routine tasks don't require calling. Log into your Aspire account to view your balance, recent transactions, and payment history. You can set up automatic payments, change your PIN, update your address, and read statements directly from the dashboard.

If you spot a transaction you don't recognize, you can report it through the online dispute tool, though calling is faster if the amount is large or the transaction is recent. The online tool generates a case number you can reference if you follow up by phone.

Reporting fraud and unauthorized charges

Call the fraud department when ready if you believe someone used your card without permission. The number is on the back of your card. Tell the representative right away that it's a fraud claim — this moves you to a specialist and starts the dispute process faster than describing the transaction first.

Aspire will typically issue a temporary card within one to three business days and investigate the charge. You are not responsible for unauthorized transactions once you report them, but the investigation can take 30 to 60 days. Keep records of any communication with the bank and copies of statements showing the disputed charge.

Billing errors and statement disputes

If your statement shows a charge you made but believe was processed incorrectly — a duplicate charge, wrong amount, or merchant error — call customer service and ask to file a billing dispute. Have the transaction date, merchant name, and amount ready.

The bank has 30 days to investigate and must respond in writing. During the investigation, the disputed amount is typically held and not counted against your available balance. If the bank rules in your favor, the charge is removed. If they rule against you, they'll explain why in the written response.

Account access and password issues

If you can't log into your account or forgot your password, use the "Forgot Password" link on the Aspire login page — this usually resets access within minutes. If that doesn't work or you're locked out after multiple attempts, call customer service and have your Social Security number and card number ready for verification.

For security reasons, the bank will not reset your password over the phone. Instead, they'll send a reset link to the email address on file or verify your identity and unlock your account so you can reset it yourself.

Limits, credit line increases, and account changes

Your daily spending limit and cash advance limit are set when your account opens. To request a change, call customer service or log into your account and look for "Account Settings" or "Limits." Some changes take effect when ready; others require a review and may take one to three business days.

If you want to request a credit line increase, call and ask to speak with the credit department. They'll review your account history and payment record. Approval is not may provide and depends on your credit profile and how long you've held the card.

Disputing a transaction you made but want reversed

If you made a purchase but the merchant won't refund it, or you changed your mind about a transaction, contact the merchant first. Aspire customer service cannot reverse a transaction you authorized — only the merchant can issue a refund.

If the merchant refuses and you believe the transaction violates the merchant's stated policy, you can file a chargeback dispute with Aspire. Call customer service and explain the situation. They'll tell you whether the dispute qualifies and what documentation you need to provide — usually a copy of the merchant's policy and proof you contacted them.

Frequently Asked Questions

What are Aspire customer service hours?

Aspire customer service is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time. Hours may vary on holidays. The exact hours are listed on the back of your card and in your account settings online.

Do I have to call to report a lost or stolen card?

Calling is fastest — the representative can deactivate your card when ready and order a replacement. You can also report it through your online account, but calling ensures it's blocked right away and you get a new card number faster.

How long does it take to get a response to a written message through my account?

Response times vary, but most written inquiries receive a reply within one to two business days. For urgent issues like fraud or a lost card, call instead of messaging.

Can I dispute a charge if I authorized it but the amount was wrong?

Yes. If you authorized a $50 charge but were billed $500, or if you were charged multiple times for one purchase, call customer service and file a billing dispute. Provide the transaction date and merchant name so they can investigate.

What if I need to reach Aspire outside of business hours?

For a lost or stolen card, the automated system on the back of your card works 24/7 and can deactivate it when ready. For other issues, you can send a message through your online account anytime, and a representative will respond during business hours.