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I mean that as a 'good thing' of course!

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GINA2330
Guest






Subject: I LOVE MY IMAGINE CARD
 
Posted on Sat Dec 01, 2007 3:19 am  

HI EVERYONE I'M GINA AND...I'VE BEEN APPROVED FOR THE 70 DOLLAR CARD..I HAVE BAD CREDIT AND I WAS REALLY HAPPY WHEN IMAGINE DECIDED TO GIVE ME A CHANCE TO HAVE THEIR CARD...I'M BEING RESPONSIBLE AND STAYING A HEAD OF MY PAYMENTS AND I'VE RECEIVED 1 CREDIT INCREASE OF 30 BUCKS GIVING ME 100 DOLLARS NOW I'M WAITING FOR THE NEXT ...I FEEL GOOD THAT I'M BECOMING MORE RESPONSIBLE WITH MY CREDIT. I MAIL IN MY PAYMENTS AND IT ONLY TAKES LIKE 3 DAYS TO GET THERE AND BE POSTED TO MY ACCOUNT. I'VE NEVER HAD LATE FEES OR ANY UNEXPECTED FEES I'M GLAD THAT I HAVE THE IMAGINE CARD AND I WOULD RECCOMEND THAT EVERYONE WITH BAD OR LIMITED CREDIT SHOULD GET IT. CUSTOMER SERVICE IS GOOD THEY ARE HELPFUL AND ACCURATE.
GINA2330
Guest






Subject: HEY DOES ANYONE KNOW????
 
Posted on Sat Dec 01, 2007 3:21 am  

WHAT'S THE HIGHEST LIMIT THAT YOU CAN RECEIVE WITH THIS CARD OVER TIME ??? DOES ANYONE KNOW?
GINA2330
Guest






Subject: OH FORGOT
 
Posted on Sat Dec 01, 2007 3:31 am  

ONE PERSON WROTE THAT IMAGINE CHARGES 19 DOLLARS FOR THE INCREASES ....NO THAT 19 DOLLARS THAT THEY CHARGE EVERY MONTH IS THE MAINTENANCE FEE THAT THEY CHARGE. SO NO IMAGINE DOESN'T CHARGE YOU FOR THE CREDIT LIMIT INCREASES...OH AND I MYSELF HAVE BEEN A MEMBER SINCE AUGUST 2007 I DIDN'T GET INCREASES PREVIOUSLY BECAUSE I DIDN'T USE THE CARD WHEN I FIRST RECEIVED IT...ANYWAY GUYS GOOD LUCK AND ENJOY YOUR IMAGINE CARD.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36547 Magic Points

 
Posted on Mon Dec 03, 2007 7:14 am  

Hello Gina

Its good that Imagine worked for you. Let us know if you receive more increases in credit limit or any other thing that you want to share.
_________________
Regards,
Laura.
GINA
Guest






Subject: THIS CARD IS GREAT
 
Posted on Tue Dec 04, 2007 3:00 am  

I'VE JUST RECEIVED MY SECOND INCREASE FOR 30 MORE BUCKS...PUSHING ME TO 130 WHAT A NICE CARD TO HAVE.
karley
Guest






Subject: credit card
 
Posted on Sun Dec 09, 2007 3:06 am  

I have had my imagine card for a year now and and i had my auto payment taken off. So now when i pay my payment early it goes thru but when my payment due date comes it is returned and the payment i just made is no longer there. I keep getting a credit increase and they dont charge me but then a maintenance fee shows up a day later.. What should i do ?
karley
Guest






Subject: credit card
 
Posted on Sun Dec 09, 2007 3:10 am  

They started me with 300 and now its up to 600 how do i make them stop with the increases???????
gina
Guest






Subject: hey karley W.T.G !!!!
 
Posted on Sun Dec 09, 2007 11:54 pm  

GOOD JOB ON MAINTAINING YOUR CARD FOR A WHOLE YEAR AND GETTING INCREASES COOL!! UMM BUT I DON'T UNDERSTAND WHY YOU DON'T WANT INCREASES ?? MAYBE YOU SHOULD CALL THEM AND TELL CUSTOMER SERVICE THAT YOU DON'T WANT ANYMORE INCREASES...I MYSELF LOST MY FIRST CARD THAT IMAGINE SENT ME.. ABOUT ONE MONTH AGO AND THAT ACCOUNT HAD AUTOMATIC PAYMENT SET UP ...BUT WHEN THEY SENT ME A NEW CARD AUTO PAYMENT WASN'T SET UP... BUT I'VE BEEN MAKING MY PAYMENTS AHEAD OF TIME THROUGH THE MAIL...AND I'VE MYSELF HAVE GOT A SECOND INCREASE . OH THE MAINTENANCE FEE THEY DON'T CHARGE FOR THE INCREASES...BUT THEY DO CHARGE 19 BUCKS FOR LIKE SERVICES OF THE ONLINE ACCESS SITE myimaginecard.com...THOSE ARE THE MAINTENANCE FEES AND KEEPING YOUR ACCOUNT UPDATED THAT'S WHAT THE EXTRA CHARGES ARE FOR THEY SAY IT'S FREE BUT IT'S REALLY NOT...GO FIGURE OR IT COULD BE THAT THEY SAY THAT IF YOU HAVE HAVE A BALANCE OF MORE THAN 20 BUCKS AT THE END OF EACH STATEMENT MEANING THAT YOU OWE THEM THEY CHARGE YOU A FEE FOR THAT...SO I GUESS THEY HAVE TO CHARGE YOU FOR SOMETHING ...EVEN IF YOU ARE ON TIME ..LOL BUT I LIKE THE CARD SO EITHER WAY YOU STILL HAVE TO PAY THE 19 BUCKS OKAY GOOD LUCK KARLEY AND THANKS FOR POSTING
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Mon Dec 10, 2007 6:26 am  

Hi Karley,

If the charges are bothering you i would call and cancel all increases or cancel the card itself. Sd we need some input here.
_________________
Keep in touch
Carol
karley
Guest






 
Posted on Mon Dec 10, 2007 8:03 pm  

well i called them today to see why my payments were being reversed, even tho they were early.... they say its because i didnt cancel my payment due date payment and that they wont give me my money back that i payed them on my credit card..... i dont know what to do i lost over 100 dollars in payments now that they wont give back!!!! but its posted thru my bank and they still wont... what should i do i like being with them but it seems they are ripping me off..
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



541 Magic Points

 
Posted on Mon Dec 10, 2007 10:45 pm  

I would call them back and make sure that it is cancelled, then go to your bank and dispute the charges through your bank, my bank gives you up to 90 days to dispute a charge. So you can try this route. Goodluck with this.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
Norsha
Guest






Subject: Gosh I hate taking advantage of those with misfortune
 
Posted on Tue Dec 11, 2007 3:24 am  

Imagine card sounds like a bottom feeder like Payday Loans. They target people recovering from financial disasters and then leech them of hundreds of dollars. The only thing they do is report that you made a payment to them. You pay them exorbant amounts of bogus "Maintenance Fee's" to do what they are supposed to do anyway. Grrrr

I want so bad to run down to their office and squirt ketchut in their face Smile

My sympathies to those who must use their services to rebuilt.

Norsh
Marleen M Kramer
Guest






Subject: Balance of my card
 
Posted on Wed Dec 19, 2007 4:59 pm  

Dear Sir or Madam,
I am trying to get my balance on my credit card. My email address is personal details deleted for safety-Richard
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

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