Chip Lupo, Credit Card Writer
@CLoop
A credit balance refund on the Aspiration Zero is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they overpaid.
Cardholders can request a Aspiration Zero credit balance refund: by phone 1 (877) 559-0905, online or by sending a written request to
Beneficial State Bank,
2002 NE Martin Luther King Jr Blvd,
Portland,
Oregon 97212.
They can get their refund in the form of an ACH refund credit to the bank account from which the payment was originally taken. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.
Please note that you are not required to request a credit balance refund if you overpay your Aspiration Zero credit card. If you have a negative balance on your account, meaning you’ve paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, Aspiration/Beneficial State Bank is required to offer you a refund.
People also ask
How do I dispute an Aspiration Zero charge?
To dispute an Aspiration Zero charge, you must inform Aspiration of the dispute in writing. You may call customer service about the dispute at 1 (800) 683-8529, though they are not obligated to investigate unless you give a written notice. The address to dispute a charge by mail is:
4551 Glencoe Avenue
Marina Del Rey, CA 90292
Aspiration Zero disputes are typically resolved within 90 days, though more complex issues may take a little longer. Aspiration does...
read full answerWhat does a negative balance on a credit card mean?
A negative balance on a credit card means that your balance is belo zero. In other words, your credit card company owes you money, rather than the other way around. In other words, you’ve paid more than your total balance due. Credit card companies generally prevent you from paying more than you owe, especially online. But if you pay by check, you might get around the policy. You’ll see the negative balance on your monthly statement...
read full answerWhat is the Aspiration Zero interest rate?
The Aspiration Zero interest rate is 15.9% - 25.7% (V), with the actual rate depending on factors such as your income, credit history and existing debt. This Aspiration Zero card interest rate is variable, meaning it can change based on certain economic conditions.
Aspiration Zero gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card’s payment due date. You won’t owe any interest...
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