topic Re: My Imagine Card in General Credit Topics

My Imagine Card

ah32 — Tue, 17 Jul 2007 19:31:06 GMT

Will I receive regular credit line increases?

If you are initially approved for the $300 Credit Line:
You will receive a credit line increase after your credit card account has been open for six months and if you make your first four minimum monthly payments on time, make a purchase or cash advance, keep your account open and current and do not go over limit.

If you are initially approved for the $70 Credit Line:
During the first year, for every month that your account remains open, you use your card and make a payment on time; you will receive an increase in your credit limit. After the first 12 months, your account may be reviewed periodically for credit line increase eligibility subject to credit approval.

Wow, can you imagine (no pun intended) only getting approved for the $70 credit line?!?

Re: My Imagine Card

cadavis0609 — Tue, 17 Jul 2007 21:21:20 GMT

I just got my $70 credit line.

Re: My Imagine Card

Anonymous — Tue, 17 Jul 2007 21:35:39 GMT

is there any plus point to have imagine card?

Re: My Imagine Card

cadavis0609 — Tue, 17 Jul 2007 21:38:05 GMT

to begin to rebuild my credit... are you paying attention at all around here?

Re: My Imagine Card

Anonymous — Tue, 17 Jul 2007 22:05:57 GMT

cadavis0609 wrote:
I just got my $70 credit line.

Gotta start somewhere, and at least you are taking charge!!! Good for you.

(By the way...I know nothing about this card)

Message Edited by flygirl on 07-17-2007 05:05 PM

Re: My Imagine Card

Anonymous — Tue, 17 Jul 2007 22:03:12 GMT

lol i am paying attention but that is the stupidest thing to do to take imagine card. Did u look at the fees? You are better of get a secured card. Look at BOA secured card. They just have small annual ffee thats all. You will get your money back after 9 months with unsecured credit card. Why would u liked to pay around 300 dollars in fees to imagine when u get a secured card for 300 dollars with small fee and you get your 300 back.

Re: My Imagine Card

ah32 — Wed, 18 Jul 2007 15:03:17 GMT

I learned my lesson. I wish I would have avoided these crappy sub-prime cards and just went ahead with secured cards. They are definitely not worth it. The cost alone is astronomical!

Re: My Imagine Card

Anonymous — Wed, 18 Jul 2007 16:56:31 GMT

I have this card and my husband also has it. We both love it. We can make payments on line with out a fee and we are set up for auto pay so that we are never late and I can change the date if I need to as well as the amount to pay. To me the fee we paid when we got our cards was worth it. After 4 mo of having his card my husband got 100.00 increase, as I got mine 4mo and 5 days they made me wait 5 days more think its because hes a guy just kidden.

Re: My Imagine Card

Anonymous — Wed, 18 Jul 2007 18:53:52 GMT

is there any maximum limit on tribute card?

thanks

Re: My Imagine Card

ah32 — Thu, 26 Jul 2007 21:50:25 GMT

I just paid off this account and planned to close it and they raised my limit to $500. I might just keep it another few months until the annual fee comes due again. My high balance was $459 on a $350 limit. I wonder if that helped my score. Unfortunately, I don't want to pay just to find out.

Re: My Imagine Card

Anonymous — Fri, 27 Jul 2007 12:06:06 GMT

I agree with you on the Imagine Card.

It's great I got the 300$ credit limit and my fees isn't crazy at all. The only fee I have with them is 6.50$ which is a monthly fee. That's it.

Re: My Imagine Card

Anonymous — Fri, 21 Nov 2008 22:23:34 GMT

Imagine was the first card I got when I started the path to rebuilding. I have had no issue with them at all. They increase your credit line as long as you make your monthly payments on time. Mine usually always has a balance on it, and they continue to increase the limit. I just got a 100 line increase last month. Their online site is easy to navigate. Yes, there are fees, but that's the price you pay for being a higher credit risk. I think once my credit scores hit near 700 Im going to ask them to waive the yearly fee... we will see what happens.