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My credit history is also not really that huge

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Laura

Laura

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



36452 Magic Points

 
Posted on Sat Sep 15, 2007 4:14 am  

Wow thanks Anna. I was just concerned because I wanted to know the reason why people are facing trouble. Now I know that its their fault sometimes that is leading to this problem.

My credit history is also not really that huge. At 24 I cant expect it to be a long one though. But I want a clean account anyway. My score is proper now and I dont think i need to take an Imagine card. I was looking for more information because Shelly might opt for one and she was getting offers. (Oh Shelly is a cousin of mine Smile )....we are pretty close. Thanks a lot for the info Anna and Wendy you of course. You said it from the first that its been working good for you. Smile
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Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: credit card
 
Posted on Sat Sep 15, 2007 5:33 pm  

Laura....Imagine card REALLY does help, getting some kind of credit history.
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Sun Sep 16, 2007 12:26 am  

I hope that in the future, you will be able to recieve a better card. But I am happy that you've found something that works for you.
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I don't dream since I quit sleeping
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: Imagine
 
Posted on Sun Sep 16, 2007 11:52 am  

I do apologize, if i wasn't very clear on explaning the Imagine Credit Card. I mean...ie.what would happen with increases, not making payments, etc.
Beth
Guest






Subject: Imagie Mastercards
 
Posted on Sun Sep 16, 2007 9:44 pm  

I read on another site that the Inagine Card is no longer. Have anybody else heard this?
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36452 Magic Points

 
Posted on Mon Sep 17, 2007 3:17 am  

Hi Beth could you please tell me where did you read about it?
_________________
Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit card
 
Posted on Tue Sep 18, 2007 1:04 am  

I never saw anything like that.Mmmm...interesting. I STILL have my card. Just made a pyment on it. I wonder if the comapny is NO LONGER taking applications. Can u tell me where u saw it?
ronald j derr
Guest






Subject: cardholder services
 
Posted on Sun Sep 30, 2007 12:51 am  

have not recieve credit card
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit card
 
Posted on Sun Sep 30, 2007 12:01 pm  

When did you apply for a Imagine card? The only way ( I think) you can apply is on the Internet. After you filled out the application, the website should have told you, right then, if you were 'approved' or not.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit card
 
Posted on Sun Sep 30, 2007 12:03 pm  

Also........there is an 800 #, on the website, for Customer Service, if you are having problems. Let me know what you find out.
carol

carol

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


30065 Magic Points

 
Posted on Tue Oct 02, 2007 5:16 am  

Hi Ronald...I think you have already applied for the card but not received right?

Keep track of the proceedings if possible. This is not the site you are looking for.
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Keep in touch
Carol
Amarie
Guest






 
Posted on Thu Oct 04, 2007 6:08 pm  

I had an imagine credit card, it was okay they aren't all that great. But when it came to paying off the balance and closing the account it was horrible. After two months of closing the account I recived a statement showing I owed them $178, which were maintenance fee charges and late fees. I called them to get this resolved because I didnt owe anything they gave me the run around it took me two more months to get the charges taken off, remind you this account was closed with a zero balance. Now I just recieved another statement saying I owe them another $69 for maintenance fees and a late charge. I have to call them again and resolve this because I owe them nothing. I really regret the day I applied for their credit card.

This credit card company is riddiculous plus you have to deal with customer service from overseas, its frustrating because now they have caused my credit rating to go down.
If you have this card, GOOD LUCK!
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit card
 
Posted on Thu Oct 04, 2007 9:34 pm  

" Customer service overseas?" I never new that...wow!! I call a customer service line.it's a recording asking for your credit card 3,etc. Tells me when my next payment is due and what my "balance and available credit" is. I never had a problem, that I had to talk 'live' to a person.
Laura

Laura

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



36452 Magic Points

 
Posted on Fri Oct 05, 2007 6:48 am  

Ok....another problem here Amarie... thanks for notifying. My sister had problem immediate after she opened an account.
_________________
Regards,
Laura.
Ketia

Ketia

Joined: 10 Oct 2007
Ketia's page
Posts: 1



147 Magic Points

Subject: imagine credit card
 
Posted on Thu Oct 11, 2007 12:52 am  

This credit card company is absolutely terrible. I applied for this card August 21,2007 and was approved for $70 limit but have yet to recieve the card. I've called 5x since then and they were saying that my application was still pending.I just got off the phone with customer service(Supervisor) and now they are saying they never recieved my application,when I mentioned that I was reporting them to the BBB all of a sudden they found it,but it's still pending because they just recieved it on Sept 26,2007 a month later after I applied online.

Not only that when I applied for the card I made a copy of everything from the 1st page to the approval decision I recieved online August 21,2007 just incase something like this happens. I have all the proof to show they are nothing but a BIG RIP OFF. Oh I also forgot to mention that when I applied online back on August 21,2007 they WERE NOT asking for banking information.

My husband applied and was approved for $300,when he recieved the card he was told that he had to send in $4.95 to begin using his card and it takes 7 days to process.And after sending in his $4.95 to activate his card, they then tell him that he has to open a bank account in order to use the card. That would not have been a problem if when he applied for the card as I did online the application process INCLUDED ASKING FOR BANKING INFO,it NEVER asked for banking information NOT ONE TIME.

Now at this point so happenly the company has changed the policy and everyone that applies for this card has to have a banking account as of August 22,2007.Go Figure 1 day after I applied the policy changes and the website that I applied on is No Longer Accepting New Members.If you put all this together and think really hard, they are full of crap.

Now for anyone who has recieved the card and has no complaints, I'm truly happy for you.Good Luck!!! But for people like myself who is trying to rebuild their credit or improve it, WATCH OUT FOR CROOKS.

If anyone has applied for this card before August and was approved without BANKING INFO,you know what I'm talking about and what I'm saying is not a lie.

And the web page that I applied on was CreditCardExpo.com,if you look it up you will see what i'm talking about.This has been posted since August 22,2007.

KETIA

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