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imagine credit card status

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Ohiock454
Guest
Subject: Imagine card
 
 Posted on Wed Dec 19, 2007 6:06 pm  
I now have a $500 limit but I do have some complaints about this card. First, customer service is located in some other place than a natural English speaking country-I'm thinking Philipines because of their accents-and it is next to impossible to find someone to really understand you when you are having problems with the website or anything remotely more difficult than "what is my balance"? I only call customer service when there is a real problem, not to find out my balance. And it seems their English seems to be limited to "your balance is $$$_____", You need to make a payment.... Here in October and November, apparently the website was down for "enhancements". I had never had any problems with it or with making my payments except for some situations that I will talk about in another paragraph. Suddenly, without me making any changes to any of my bank information, the payments stopped being automatically withdrawn, kept rejecting any payments I tried to make, and gave me messages that my bank account routing number or account number was invalid. I had never had any problems with it before and I did not change banks. When I called in to make a payment by phone the same problem happened, and when I tried to make the payment via a representative, his English seemed to be limited to thinking I wanted to change my due date. When I called to explain there was a problem with the website and it not taking my bank account info, the reps (and I called multiple times) could only tell me that I needed to make a payment and did I want to buy that add on insurance in case I am ever unemployed.

Prior to the "enhancement", the only problems I ever encountered with the card was knowing if and when a payment would come out of the account. It was originally sold to me as being withdrawn out of my account automatically. Not bad. I liked the idea. I could use the website to supervise it or make extra payments. What happens, though, is that if I make a payment early, it will try to draw another payment anyway, and sometimes, if I just assume it is going to take a payment (as it was supposed to), it may never ever take the payment. No attempt even. I have called my bank and they don't even see these attempts. I have plenty of funds, so that is not a problem. But I doubt I will ever be able to get an actual explanation. As for the bank account problem after the system "enhancements", I called my bank and the rep gave me some suffix to add to my account number. IF this customer service dept is worth the wages they are being paid, why couldn't they have told me to begin with? I don't even think they have a help desk for website issues. I'd hate to see what would happen if people did (and I am sure they do). I have worked in customer service jobs for at least 7 years and we were always apprised of system related problems and if a customer were having problems with the account we either knew how to fix the problem or tell the customer what was needed or get them to someone qualified to do so.
 
GINA
Guest
Subject: I OVERALL THINK THE CUSTOMER SERVICE IS GOOD HOWEVER...
 
 Posted on Thu Dec 20, 2007 3:16 am  
I HAVE RUN INTO PROBLEMS WITH CUSTOMER SERVICE...I THOUGHT I HAD LOST A 100 DOLLAR PAYMENT IN THE MAIL ...SEE WHEN I SEND MONEY ORDERS THROUGH THE MAIL IT USUALLY TAKES ABOUT 5 BUSINESS DAYS FOR THE PAYMENT TO GO FROM NEWYORK TO NEW JERSEY...HOWEVER THE LAST PAYMENT I SENT OUT ACTUALLY TOOK A WHOLE TWO WEEKS...I KEPT CHECKING MY ACCOUNTONLINE AND ON THE PHONE TO SEE IF MY MONEY HAD GOTTEN THERE..AND I CALLED IMAGINE TO TRACE THE MONEY ORDER...WHEN I GOT ON THE PHONE WITH IMAGINE CARD THE FIRST CUSTOMER SERVICE REP..DIDN'T UNDERSTAND WHAT I SAYING TO HER AND SHE COULDN'T SPEAK CLEAR ENGLISH...THEN I TOLD HER TO PUT ME ON THE PHONE WITH SOMEONE WHO I THOUGHT WAS THE MANAGER... HE GOT RUDE AND NASTY BECAUSE I TOLD HIM THAT I WAS CONCERNED ABOUT MY MONEY MISSING IN THE MAIL...AND I NEEDED TO KNOW IF HE COULD TELL ME ABOUT A WAY I COULD TRACK MY MONEY...HE WOULDN'T TELL ME ANYTHING...HE JUST KEPT SAYING WAIT A FEW MORE DAYS...AND I'M TELLING HIM I THINK MY MONEY HAS BEEN LOST OR STOLEN...THEN FINALLY AFTER ALL THE BICKERING BETWEEN HIM AND I...HE FINALLY GIVES ME THE RIGHT NUMBER TO CALL....SHOULDN'T HE HAVE JUST GIVEN ME THE NUMBER IN THE FIRST PLACE?...OH BUT WAIT GUYS IT GETS BETTER..AFTER I HUNG UP THE PHONE WITH IMAGINE CARD...I CHECK TO SEE THAT SOMEONE HAD CHANGE MY ONLINE ACCOUNT INFO COMPLETELY FROM MY UPDATED INFO TO OUT DATED INFO ...I THINK THEY DID THIS MALICIOUSLY JUST BECAUSE I ARGUED WITH THEM ON THE PHONE I SWEAR IT...THEY DID IT OUT OF MEANESS. SO I CALL UP THE COMPANY AGAIN AND THEY QUICKLY CHANGE MY ONLINE INFO TO THE UPDATED INFO...LOL GOODNESS GRACIOUS THOSE CUSTOMER REPS IN INDIA CAN BE A PAIN IN THE AZZ....BUT THAT'S THE JOYFUL WONDERS OF OUT SOURCED JOBS THAT SHOULD BE IN THE U.S.A NOT A THIRD WORLD COUNTRY
 
Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 111



4654 Magic Points
 
 Posted on Thu Dec 20, 2007 4:47 am  
Hi Marleen,

This is a forum for discussing credit issues. You can try and search my imagine card. hope this helps.
_________________
The more you learn the more you earn. Join our community and enhance your knowledge.
 
Adam Smith
Guest
Subject: SOS 2 the 3rd World!!!
 
 Posted on Thu Dec 20, 2007 5:24 am  
Hi Gina!

Quote:
I CHECK TO SEE THAT SOMEONE HAD CHANGE MY ONLINE ACCOUNT INFO COMPLETELY FROM MY UPDATED INFO TO OUT DATED INFO


Well my friend, this is certainly a practice that has spread globally & affected the payment systems with all reputed payment services. Well, when moneys are in transit you'd often come across such delays.

Quote:
LOL GOODNESS GRACIOUS THOSE CUSTOMER REPS IN INDIA CAN BE A PAIN IN THE AZZ....BUT THAT'S THE JOYFUL WONDERS OF OUT SOURCED JOBS THAT SHOULD BE IN THE U.S.A NOT A THIRD WORLD COUNTRY


Quite true...especially when they took the trouble to commit mistakes (as dictated by their counterparts at the clients' end). Again they took all the trouble to live up to their commitment, simply by editing them back following the request of their privileged customer.

Gina, don't you feel its high time that we understand how this outsourcing system works & how these third world vendors that we are dealing with are mere puppets at the hands of our own fellows!

As far my belief goes, our names would appear at sales-databases prepared by the research analysts experimenting with different economic market segments. Then these databases are being sold back to the market only to be grasped by the commercial banks & a handful of dissolving busy bodies. Now, that becomes their turn to convey it to their third world vendors (with all their instructions attached).

Yes, the vendors are doing it for a smaller bucket of money which forces them to turn deaf-n-dumb...n it is perhaps when they come across pains-in-azzes like us that their pure conscience urges them to follow their glorious cultures & traditions - 'saving us from hassles'

Regards,
Adam Smith
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34596 Magic Points
 
 Posted on Thu Dec 20, 2007 5:43 am  
Hi Gina,

I completely agree with you. The problem arises when we become impatient and try to blast them they give it back to us.

Quote:

CUSTOMER REPS IN INDIA CAN BE A PAIN IN THE AZZ


We feel this but we forget that the feelings are mutual at both ends. LOL
You must have come across a representative who could not deliver her job properly. The point is that we receive what we give. Do you really think we are polite to them Wink?

You cannot file a complaint now because they (after all the harassment) have given you the number required. However I think you should monitor your transactions regularly to avoid such grave issues. This cannot be the fault of the
Quote:
third world country
. They have been given the job because more serious mistakes happen at our end. Keep your patience things will work fine.
_________________
Regards,
Laura.
 
US Citizen
Guest
 
 Posted on Thu Dec 20, 2007 6:13 am  
Hey Gina,

LMAO Good one huh? I just compared the collection agencies with the overseas customer reps. I think its better that we have them, atleast they dont threaten to sue us Laughing.
 
GINA
Guest
Subject: THANKS FOR THE REPLIES EVERYONE
 
 Posted on Thu Dec 20, 2007 6:45 pm  
BUT IN ACTUALITY GUYS.... IT WAS MY FAULT FOR RELYING ON A 50 CENT STAMP..WHEN I SHOULD HAVE JUST SPENT A FEW MORE DOLLARS OR CENTS TO HAVE THE MONEY ORDER SENT MORE SECURE... SO IT WASN'T IMAGINE CARD'S FAULT AT ALL..BUT SINCE I COULDN'T GET TO ANYONE THROUGH U.S.P.S ... I WENT TO THE ONE WHO WAS AVAILABLE ...AND THAT WAS IMAGINE...LOL ..HEY IT COMES WITH THE TERRITORY OF CUSTOMER SERVICE...PAIN IN THE AZZEZ LIKE ME SO I GIVE NO APOLOGIES..INDIA CAN DEAL OR GIVE UP THEIR JOBS.
 
Adam Smith
Guest
Subject: Oblivion..
 
 Posted on Fri Dec 21, 2007 6:12 am  
Well Gina,

It is about trying out a service big time & if it seems secure enough, then continue with it for good!

If our managers are rude...then they are not meant to do any good to us...especially the managers who are hell bent to outsource business..
I do sincerely empathize with you at that...& its high time we need to be choosy & look well before we leap!

We are certainly the best at all financial processes becoz our govt. buys the best of the 3rd world brains for us. I could only see us walking straight towards oblivion...the day when they walk out of our jobs!
..& so it might not be too far before we would need to spend A FEW MORE DOLLARS OR CENTS AT EVERYTHING! Smile

Regards,
Adam Smith
 
GINA
Guest
Subject: IMAGINE CARD
 
 Posted on Thu Jan 03, 2008 5:16 am  
I'VE RECEIVED ANOTHER INCREASE PUSHING ME FROM 130 TO 180. YEAAAA I'M SO PROUD OF MYSELF.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 533



13296 Magic Points
 
 Posted on Sat Jan 05, 2008 9:10 am  
This must be really great for you Gina.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
GINA
Guest
 
 Posted on Wed Feb 06, 2008 3:04 am  
I'M AT 230 SO FAR SO GOOD
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 533



13296 Magic Points
 
 Posted on Wed Feb 06, 2008 7:16 am  
You are improving real fast Smile
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34596 Magic Points
 
 Posted on Thu Feb 07, 2008 7:27 am  
Yes she is improving for sure. Smile well done Gina, great going.
_________________
Regards,
Laura.
 
ladyshancia59
Guest
Subject: Have had good luck so far
 
 Posted on Sun Feb 10, 2008 7:18 pm  
I have had the card for approx 6 mopnths and so far so could have not chked on my scores but mine are really bad, this is why I got this card suggested by a lending dude. Now here comes the problem I just recently lost my husband and my job at the same time think I will be able to keep up with min payments but I usually pay it all off I love the card, it has helped me so far
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127



1045 Magic Points
Subject: imagine credit card
 
 Posted on Mon Feb 11, 2008 11:43 am  
HELLLOOOOOOO everyone!! Been a while, since I've been on here. Boy..has THIS been a long thread! LOL Yep..I still have my Imagine Credit Card. Never had a problem, with payments coming out of my bank account, however...I agree with alot of you, with the 'Customer Service' thing. It's difficult for the Reps to understand what you want. Other than that, things are ok with me.
 
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