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imagine credit card status

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fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 3249

1340 Magic Points

Tue Oct 07, 2008 10:02 pm

I know where you are coming from. It was a card like this that put the first bad mark ever on my report. Mine was a First Premiere credit card. It was suppose to be a one time annual fee and low and behold the next year an annual fee threw it over at the worst time ever. I am glad to hear you got rid of it.

anthony

anthony

Joined: 31 Jul 2006
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Posts: 533

13296 Magic Points

Fri Oct 10, 2008 6:51 am

Hi Chunk
The annual fee for Imagine credit card is $150 and so they have charged it. It is for this reason why one should always see the terms and conditions and check the fees before signing the credit card application form. Now since they have already charged it, you need to pay the annual fees, else it may be reported to the credit bureaus who in turn may list it in your credit report. This may have negative impact on your credit score. Now, your credit score may get lowered because the payment history factor, which has already contributed to your score, will be no longer there.
_________________
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

fireyone

Joined: 26 Feb 2008
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Posts: 3249

1340 Magic Points

Sun Oct 19, 2008 2:17 am

Wow that is an aweful big fee for a card.

Credit Solution

Joined: 15 Oct 2008
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Posts: 16

323 Magic Points

Subject: GOOD CARD

Sun Oct 19, 2008 9:33 pm

CAPITALONE. ITS A GREAT CARD FOR BEGGINER CREDIT

fireyone

Joined: 26 Feb 2008
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Posts: 3249

1340 Magic Points

Mon Oct 20, 2008 12:03 am

What is so impressive about capitol one. Could you please leave a little more detail so that those who are looking for a starter card can have the info.

Valerie Richardson
Guest

Subject: Imagine Full Of Crap

Mon Oct 20, 2008 5:47 pm

I applied for the imagine card and there was a 5.00 dollar deposit and mines did not come from my bank so they cancel my card and charged me 178.26 for what never used the card I want some answers.

fireyone

Joined: 26 Feb 2008
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Posts: 3249

1340 Magic Points

Mon Oct 20, 2008 6:11 pm

You need to call them immediately. I would get this info as soon as possible so that it doesn't mark your credit. Did they charge your bank account? If so you need to go to the bank and ask how to have this money returned.

anthony

anthony

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

13296 Magic Points

Tue Oct 21, 2008 12:32 pm

Hi Valerie
Immage credit cards has high annual fees of $150 and I think they have charged the annual fees with taxes on your card. But since they have never issued you the card, they cannot take this annual fees. So as Fireyone said, you should immediately contact imagine card services at their Customer Service number 1-888-598-8452.
_________________
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

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 3249

1340 Magic Points

Wed Oct 22, 2008 4:26 pm

Thanks for throwing the number in their Anthony...I look them up when I have time but usually try to get the poster to google them so if they need to contact another place they can see how easy it is to get a number on line.

Miley
Guest

Subject: I love this card!!!

Sat Oct 25, 2008 10:31 pm

When I first received this card the credit limit was $70.00. Like a lot of people I did not read the fine print, because I just wanted a card with a low limit that I could maintain, that would report to all the CB's all while raising my credit score. Well I began using the card for small purchases and within 5 months to my surprise, I had a limit of $210.00! I know that's not a lot but I didn't know I that I would receive CLI's every month for the first year, as I said, I did not read the fine print. I let them deduct my payment every month and have had no problems. Today my limit is $610.00, and it may sounds cliche, but if you take care of this card, it will take care of you. I will keep this card forever even with my FICO score in the 7's. They do not charge me to make a payment over the phone, I can use at the gas pump (the reason I say that is because other sub-prime cards are not able to be used at the pump), they have no cap on the credit limit increases like other sub-prime cards who usually stop @ $2,000.00, and best of all, they waived my annual fee of $15 dollars for being an outstanding customer. Having this card has made me cancel my other sub-prime cards like Rewards 660 and Continental Finance because this card has opened doors for me to get better card offers like Bank of America. Hopefully this company will stay in business and continue to evolve because for people who have bad credit or no credit, this couldnt be a better card to have in your wallet.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1127

1045 Magic Points

Subject: cc

Sat Oct 25, 2008 11:46 pm

My 'experience' with Imagine did START out good. It was a $300.00 limit right 'off the top'. I made payments every month, through my checking account. However.....they started taking higher payments. I called and asked why the payments were changing. According to them, it said in the 'fine print' that the % rate would change, after so-many months. Also..I din't see, in the 'fine print' that the 'activation fee' was $150.00. They took that out after a few months, too. On another thread, I posted that Imagine was "working for me." That's before I started having all of these problems with them. Also....an Annual Fee of $150.00 (?). I was late with a few payments, which, of course, the 'late fees' kicked in. To make a long story short, a $300.00 card became a $700.00 balance very quickly. Gosh...what a mess.

fireyone

Joined: 26 Feb 2008
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Posts: 3249

1340 Magic Points

Sun Oct 26, 2008 12:34 am

Then I would advise anyone to first stay clear of this card and second always read the fine print. I know how you feel SD...thats how my credit got off track years ago...then I never did catch it up..the amount I owed built up so fast that I had no way of keeping up with it and they would not work with me.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1127

1045 Magic Points

Subject: cc

Sun Oct 26, 2008 3:01 am

I've called Imagine Customer Service several times. I either got someone who din't speak English, or....someone who give a darn. Yep...just couldn't up with all of the fees, etc.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 3249

1340 Magic Points

Sun Oct 26, 2008 11:38 pm

I know how irritating it is to not get someone who speaks english and they wonder why there aren' too many jobs here. It is easier for them to hire someone overseas to answer phones since they will work for pennies. I have that with my interenet company. I had problems connecting and called the tech service. I couldn't understand him enough to even have him guide me through. I finally figured it out myself but after my time was up I called and canceled there service...the person was actually speaking engleish this time. I talked in some weird chant and they said they could not understand me...I said in plain english this time. "Yes and I can never understand your people at the tech support center so until you can hire someone who speaks my language then I am going elsewhere". It sisn't do any good cause my sister-in-law has that provider and gets the same thing...oh well

sdchargers_63

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

1045 Magic Points

Subject: cc

Mon Oct 27, 2008 1:14 am

Same here, FIREYONE. I ouldn't understand anyone OR it was too late do do anything about it. Well......I think I learned my lesson about CC's. SOME of them ARE 'good' cards. However..i don't care how good they are, you STILL have to make a payment on them..ya know? BTW, FIREYONE...are you 'following' me around the forum? If you're doing that, I'm calling the Police!! LOL How ya been?

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