Aspire Card Aspire Card is a ripoff by charging fees & interest Atlanta, Georgia

must be great to offer advice all the time.

They granted you a line of credit...they didn't force you to use the card.
They granted you Credit Line increases..they did not force you to continue to charge items. 
They require a minimum monthly payment..they don't forbid you from paying more.

They have closed your card to new charges, but until your balance is paid off you are still subject to the terms until it is paid off.  This means that they are allowed to continue to charge interest and fees.  This also means that if you are ever late they can even charge you late payment fees.  Oh and yes you agreed to this when you got the card. 

I can't get it paid off.
- Sure you can..you just have to WANT to pay it off.  If you are paying only the minimum, I wouldn't be surprised if your balance isn't going down by more than a few dollars every month.  If this has been going on for 4 years, just imagine how much lower your balance would be(or perhaps even paid off), by paying just an extra $10 a month.  What if you paid $20 extra a month?   How about $25 extra a month?  Don't forget that you not only have just the reduction in principal but because your balance is lower, you are also paying less interest.