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Customer service is outsourced most of the time

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Laura

Laura

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



36459 Magic Points

 
Posted on Thu Oct 11, 2007 5:21 am  

Thats pathetic. How can they receive an online application a month later to the application date? Thats absolute fraud. Ketia..welcome to the forum and I appreciate that you have expressed your concern for all. There are people who are happy with the card but I am sure that in the recent months things have gone Topsy turvy.
As you are trying to improve your credit I am just giving my inputs here.
* Beware of scams.
* Keep a check on your credit file and keep it clean of unnecessary items.
* Pay off existing debts on time
* Try and use varied kinds of cards like master cards, visa, gasoline cards. a retail store card or departmental store card can also be of help.
* Try not to exceed 25% of the credit limit. 10% should be the goal but its not always possible to maintain that
* Do not apply for too many credit cards which encourages frequent hard inquiries on your report which results in lowering of your credit score.
* STAY AWAY from PAYDAY loans. They are of no help

I hope these points can help you further. Smile
_________________
Regards,
Laura.
brian k willoughby
Guest






Subject: imagine credit card activation balance
 
Posted on Wed Oct 17, 2007 7:33 am  

my account
sdchargers_63

sdchargers_63

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



1916 Magic Points

Subject: credit card
 
Posted on Thu Oct 18, 2007 12:35 am  

I'm sorry to hear SOO many people are having problems with Imagine Card. WOW!! I hope things get better, with all of you who applied.
Frances
Guest






Subject: Imagine Credit Card
 
Posted on Thu Oct 18, 2007 2:12 am  

The above credit card is a total rip-off due to the fact the company misleads you to belive that the card holder has a $300.00 credit limit, when in fact the above credit card company charges you a $150.00 fee just to acvicate the card. THEN the above credit card company will then deduct $25.00 processinhg fees from your bank account, withouth your permission. If that is not illeagal then Bill Clinton was not lying when he said I did not have sex with that woman.
FRANCES
Guest






Subject: IMAGINE CREDIT CARD
 
Posted on Thu Oct 18, 2007 3:16 am  

WED OCT 17,2007 10;30 PM.THIS CARD IS A TOTAL RIP-OFF; THEY CHARGE ME A $150.00 FEE OFF THE CARD WHEN; I ACVICATE THE CARD THEN WHEN I MADE MY FIRST PAYMENT OF $25.00 WHICH I SENT THEM A CHECK FOR; THE COMPANY TOOK $25.00 MORE OUT OF MY BANK ACCOUNT WITH OUT MY PERMISSION; WHEN I CALL THEM AND TOLD THEM TO COUNSEL THE CARD; BECAUSE I DON,T LIKE YOUR SERVICE;THE LADY SAID TO ME; WE WILL DEBIT IT OUT OF YOUR BANK ;ACCOUNT,; I TOLD HER I WAS CUTTING THE CARD UP, I NO LONGER WANTER.; THERE SERVICE AND THEY WANT BE ANY MONEY IN THE BANK FOR THEM TO GET. ; WELL A WEEK LATER I GOT A LETTER SAYING THAT I HAVE A 0 BALANCE.
NO NAME
Guest






Subject: IMAGINE CREDIT CARD
 
Posted on Thu Oct 18, 2007 3:26 am  

TO EVERONE WHO WANT A CREDIT CARD DON,T APPLIED FOR A IMAGINE CREDIT CARD FOR YOU WILL GET RIPP-OFF.
kimmi
Guest






Subject: imagine crd is not a ggod card.
 
Posted on Thu Oct 18, 2007 10:38 pm  

Both my cousin and i have this crd. I just closed mine which was a pain to do. My credit is 3 yrs new, so I thought, I'd try this card just to help my revolving debt experience. Nope!!! I got the card in July and they just reportrd it to the bureaus for the first time 4 days ago! I had to call and beg for them to report it. My cousin's credit is very new, so he appied and got the $70.00 dollar card. He's actually had his card 2 mos lomger than me and they still have not reported his. He got a chase stdent and a capital one since then with $500.00 limits each (unsecured) and these cards have already reported.
Imagine's parent compant is bank of delaware and there cust service is in India. They are sooo.... rude and don't have decent cust service skills. I would stear clear of them. I have had very good success with Orchard bank, 3 yrs now and they raised my limit from $300.00 to $1500.00 in 3 yrs. (not huge fees either.) Also first premier card. Not as good with the fees, but still they report fast and accurate. If you are a student and have very new credit, try Chase. Hope this helps! : )
sdchargers_63

sdchargers_63

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



1916 Magic Points

Subject: credit card
 
Posted on Sat Oct 20, 2007 2:27 am  

I've had the Imagine card, for over a year now. As soon as I 'activated' it, it showed on my CR. I know several people who have this card. Some of them are having problems, some are not. I have Orchard, also. In my opionion, great card.
Laura

Laura

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



36459 Magic Points

 
Posted on Tue Oct 23, 2007 8:42 am  

You are lucky Wendy. Actually what happens is when people have some good experiences they are happy and dont feel the need to report the positive points but if they face trouble they report it. Thats why we hear more about the rip-offs rather than the positives.
This is just my POV.
_________________
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 Oct 23, 2007 10:08 pm  

I get your point, Laura. Makes sense to me. Even if people ARE having good experiences, shouldn't they post it?......so other people can get a 'outlook' on the issue? But, yea, I get what your saying. They can be LOTS more people happy with this credit card, but, they're not letting someone know. So.that means, all people are seeing are the 'negative' posts.
Bkchick
Guest






Subject: Imagine card
 
Posted on Fri Nov 02, 2007 8:05 am  

I must say from personal experience overall the card has been good to me. When I first applied online I receive $350.00 credit limit with a $30.00 monthly payment deducted from my checking account. I have paid late a few times but I still was able to get an increase. As of today my credit limit is $500.00. I had this card maybe a year tops. The only downfall for me is, when you seem to have a problem and you call the 800 number you always get a person that don't speak good english but that's it. Everything else is good overall. Wink
Laura

Laura

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



36459 Magic Points

 
Posted on Sat Nov 03, 2007 7:19 am  

Never mind. Customer service is outsourced most of the time. You might have come across someone who does not speak English. Smile. Its good that the card worked for you. It did for Wendy as well.
_________________
Regards,
Laura.
sdchargers_63

sdchargers_63

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



1916 Magic Points

Subject: credit card
 
Posted on Sat Nov 03, 2007 8:29 am  

hey..BKchick,.....I've never asked for an 'increase'. And, THIS question, I just don't know. Do you pay a fee for an increase? I know some cards you do. I've just been happy at the limit I'm at now ( $300.00). Never asked about the ' increase thing'.
Laura

Laura

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



36459 Magic Points

 
Posted on Sat Nov 03, 2007 9:01 am  

I dont think you have to ask in order to increase the credit limit. Your account transactions, if it remains at a good position, the creditor will always try to provide a higher credit limit to you. Thats business for him and an accomplishment for you. Just the awareness of correct utilisation of the card is required. Many people still dont know that keeping the credit utilisation low affects credit score in a positive way.
_________________
Regards,
Laura.
BkChick
Guest






Subject: credit card
 
Posted on Sat Nov 03, 2007 10:35 am  

Hi sdchargers_63....No I never ask for an increase because according to their policy you can not request an increase. I never notice a fee being charged for the increase neither. This last increase I received was a surprise for me because I was definitely not expecting this one. I received a $100.00 increase a few days ago but my very first increase was $50.00. Maybe the next one will be $150.00. But I'm okay at $500.

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