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#Laura - Says,

Hi Angel,

This is not the place you are looking for. You need to contact the bank where you have applied for the card.

#sdchargers_63 - Says,

If u can get an Imagine card, it WILL help your credit. They take a payment ( $20.00 per month draft) out of your checking account every month and report to the credit bureaus as an " on time payment". This card brought my score up a few points.
#sdchargers_63 - Says,

OH MY!! Forgot to say, it is a $300.00 limit, so, you won't have a HUGE limit to 'deal' with. is a bit higher % than other cards.
#Laura - Says,

Hi Wendy,

Do you have an Imagine Card?. Great, do tell us more about your experience with the card. You said your score has gone up by some points. really interested to know. When did you get the card?

#curt - Says,

This is the biggest ripoff in history, They make you pay a monthly fee of 19.95 a month plus charges on your account. i was below my limit and they add the fee now your above the limit. You have to pay the balance they give you. and then don't raise your limit. And then you have extra charges to pay. They ought to be ashamed of themselves. It's the new organized crime of our era.
#kimberly banks - Says,

i payed the fee got the card could'nt use it for seven days then the seven days came they cancel the card i have been waiting for my refund for three months do not apply to imagine card
#sdchargers_63 - Says,

WOW!!! I never had ANY problem, with Imagine. I don't why anyone had extra fees, coming out of your account. When I got hte Imagine card, I paid NO fees to 'activate' my card. As soon as i recieved it in hte mail, I started using it. I NEVER had to put any money 'down' for this card. They take a monthly payment out, of my bank account, for a payment. I never had to pay a dime more than that. It is a bit higher %, bacause it is for bad credit. But, every time you make a payment, it appears on your CR. I have ALREADY recieved a 'credit increase'. I don't know why people are saying negative things about this card. I would recommend this card to anyone!!
#Laura - Says,

There are various problems that occur. May be your experience has been good till date. The ones who have faced trouble sees the other way. Got my point?
#sdchargers_63 - Says,

Yes..I understand, Laura. Just telling ya what experiences I have had, with this card. When I applied, for the card, via the Web, it would show 'instant' results ( 'rejected OR declined'). In my opionion, it's a good card.
#Laura - Says,

That is what. Even I want to know the real thing. Every coin has two sides. It is difficult to choose when we see both the sides. I have to know the pros and cons of course. Lets see what other posts come by.
#sdchargers_63 - Says,

I was doing alittle 'searching', myself, on the Imagine Credit Card. I did find out, if you do have an Imagine Card and it's a 'Secured' card ( which means you would have to put a deposit on the card). Whatever your deposit is, THAT amount is what is your Credit Limit. In THIS case..yes, there IS a $19.95 fee and certain charges taken out of your bank account. However.......if you have an 'Unsecured' Imagine card ( which I have). There is NO deposit and the credit limit is $300.00, with a $20.00 payment taken from your bank account. Hope this answers your question, Laura.
#Laura - Says,

I know that part Wendy. You told me earlier also, but somehow the negative posts has some effect as well. This means that there are people who are facing trouble. thats what I want to know. Why so much of fuss if it is so good a card.
#sdchargers_63 - Says,

I do understand your point, Laura. You need to get 'the whole story', before you decide. That's true. Which...of course, makes sense. I am curious........why people ARE having so much trouble with it.
#Anna - Says,

Hey Laura. I have read your posts and understand you have some concern about the Imagine Card. I have had the card for about four months now and have had no problems with it at all. I am 22 years old with a limited credit history, and was given an initial credit line of $70. I have since had two credit increases of $30 each, giving me a current total limit of $130. I did notice I didn't get an increase for the month that I didn't use the card, but that was expected as it is written in the contract. During the first 12 months, you will receive an increase each month so long as your account is still open, you use your card, and make your minimum payment on time. Easy enough, huh?

By the end of 12 months, you have the potential to increase your credit limit by $540, for a total credit line of $610. The annual fee is only $15, and when I opened my account they charged a one-time fee of $4.95 to my bank account. Thus far, the only other fee I have experienced is a $19 fee for each time I received a credit increase (though this fee was not applied for the month I didn't use my card, since I wasn't eligible for a credit increase). This charge is deducted from your available credit.

Anyway, I have not experienced ANY fees that were not outlined in the agreement (the $19 'finance charge' for each time you recieve a credit increase IS disclosed) and as long as you make your payment on time, you won't be charged unnecessary fees for late payment (which, again, is part of the agreement). I have made all my payments on time and I always pay my balance in full - no interest to pay, I build my credit, and get increases all at once.

If you don't like the idea of being charged $19 for each month you receive credit a increase, you can just keep a zero balance and opt not to use your card for x number of months - that way you'll receive no credit increase, and won't be charged the $19 during those months. The agreement also states after the first year, "your account may be reviewed periodically for credit line increase eligibility subject to credit approval".

Anyway, my experience has been a good one and based on other reviews, it seems to me that the majority of people having problems are those who didn't make their payments like they should (or didn't have the money in their accounts when the ETF was initiated). If you have any other questions, please feel free to ask. Smile

#sdchargers_63 - Says,

Hi....Anna!! Yeah....when I got the card, I got a $300.00 limit, on the 'first' try!! I was surprised!! Never had a problem. And, as u said, the 'activation fee' was $4.95. A $20.00 payment, is debited from my bank every month. I really love it!! Glad the Imagine Card is helping u, too!!
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