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You can get a 'secured' or 'non-secured' credit card

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goodnatured



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



490 Magic Points

 
Posted on Sun Nov 04, 2007 1:31 pm  

sdchargers, I have never heard of this card before, has it helped you increase your score? Can you pm me some more informaiton on it?
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: card
 
Posted on Sun Nov 04, 2007 3:28 pm  

Goodnatured.......OHH!! This was what you were talking about!! Well......it's called Imagine Card. It's for low or bad credit. You can apply on line.............www.MyImagine Card.com ( I belive that's the website). You can get a 'secured' or 'non-secured' credit card. It just depends on what the comapny comes up with, when they run a credit check on you. It just takes a few minutes to apply. The website will tell you, with in minutes, if you are approved and what kind of card you are approved for ( secure or non-secure). You also may want to read this forum on experiences from others, about this card. Some people have had good experiences and some have had bad. I guess it depends on what 'wroks for you'. But remember,......WHATEVER credit card you apply for, ALWAYS read the 'fine print' ( fees, activation, etc.). Tell me how things go.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: card
 
Posted on Sun Nov 04, 2007 3:30 pm  

FORGOT to tell ya...if that's not the correct website, you can go to a Search Engine and type in Imagine Card. You can find it that way, as well.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Mon Nov 05, 2007 12:09 am  

I tell you I have become a master at fine print, LOL, been burnt more than once with the fine print print! I appreciate your honesty about reading others experiences with this product. I will google it and see if it is something that might benefit me.

I really need the help raising my credit score, I think once i get everything on track and the derogatories start falling off it should raise pretty quickly, we shall see.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36215 Magic Points

 
Posted on Mon Nov 05, 2007 5:18 am  

Goodnatured also what you can do is keep up to the payments of the existing cards and debts. That is reported well in your credit file and helps improving your score. If you have closed accounts with derogatory then keep disputing them. I hope they will fall off.
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Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: loans
 
Posted on Wed Nov 07, 2007 9:02 am  

Listen to Laura!! She's 'got it going on'!! LOL Yep....keeping regular payments help your score, too. Even if you DO have bad credit, and apply for a loan somewhere, the lender may see MORE 'positive' credit, than 'negative'. Also......they look at you payment history.
Laura

Laura

Joined: 21 Jun 2007
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36215 Magic Points

 
Posted on Wed Nov 07, 2007 9:46 am  

Wendy

Quote:
Listen to Laura!! She's 'got it going on'!!


Should I take it as a compliment or a teaser Wink
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Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Wed Nov 07, 2007 11:08 am  

Thanks Laura, I have been trying. I should be caught up and intend on staying caught up with my current bills this month. I am not going overboard for the holidays so that should help. Of course gas just jumped another 12 cents a gallon, that hurts.
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30060 Magic Points

 
Posted on Thu Nov 08, 2007 6:34 am  

Try to keep up as much as possible. Once payments are over go for holidays and enjoy yourself. Till then keep working on how to finish off paying debts. Smile
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Carol
Laura

Laura

Joined: 21 Jun 2007
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36215 Magic Points

 
Posted on Thu Nov 08, 2007 6:44 am  

You are welcome Good. Hope you can make your payments on time and get rid of them as soon as possible.
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Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Fri Nov 09, 2007 12:57 am  

It is such a long slow process, especially with the mortgage, I will have it for another 9 years at the least. Slowly but surely pecking away here.
Laura

Laura

Joined: 21 Jun 2007
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36215 Magic Points

 
Posted on Fri Nov 09, 2007 3:41 am  

9 years is a very long time. I am sure you will make it. okay one question goes to you..are you using credit cards to keep up with your score? I mean to say with all the payments that you are making how are you keeping your score steady?
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Regards,
Laura.
Brenda
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Subject: I love Imagine Credit Card
 
Posted on Mon Nov 19, 2007 1:05 am  

I have had the credit card for about 6 months and they have been awesome. I didn't pay any upfront fees (those were already included when signing up with the card) and they actually give me a credit increase every month, they've reparted to all 3 cb's and my credit score has gone up. Very Happy
Laura

Laura

Joined: 21 Jun 2007
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36215 Magic Points

 
Posted on Mon Nov 19, 2007 6:23 am  

Hi Brenda

Thats a good news. How much credit increase do they give you and how much did they give in the past 6 months?
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Regards,
Laura.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 1883



1916 Magic Points

Subject: Imagine
 
Posted on Mon Nov 19, 2007 11:10 am  

Laura.............I mean that as a 'good thing' ( of course!!LOL) With Imagine card, they 'periodically' look at your account, for an increase. I'm pretty happy with it.

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