topic Re: I got my first CLI increase!!! in General Credit Topics

I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 14:20:09 GMT

I went online to check my Imagine credit card statement today and to my surprise they upped my CL, not much but its definitely a start. I have had them since February and recently this month I paid my balance down since I learned that will help increase my score. Now if only I coule get my auto loan to start reporting again, they are taking forever.

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 14:32:06 GMT

Right on! That's really fast for a CLI....account is only 3 months old? What card was it if I may ask?

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 14:39:28 GMT

Its an Imagine Mastercard, for people with horrifying credit scores

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 17:23:54 GMT

Congrats.

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 17:26:42 GMT

I'm in the market for a secured credit card how is Imagine? Are there alot of fees?

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 17:43:41 GMT

There is a $150 fee when you first get your card and your limit is $300. THey charge me an account maintenance fee of $9 every month. I have had the card since February and really no problems. My CL is $400 now.

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 17:53:56 GMT

So basically upon the first month your credit line is really $150, is that correct?

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 18:06:12 GMT

Correct

Re: I got my first CLI increase!!!

Tuscani — Thu, 10 May 2007 18:09:07 GMT

First Premier card?

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 18:14:03 GMT

No Imagine MasterCard...my imaginecard dot com.

First Premier is not a friend of mine. 300 limit 250 charges when you get the card. This was a little better and you are rewarded immediately for good behavior. I didnt get the increase last month because I did not know about the power of low utilization. Thanks to CB and this forum I have learned a lot

Re: I got my first CLI increase!!!

Tuscani — Thu, 10 May 2007 18:15:06 GMT

Imagine is not better... They can help with rebuilding but these type of cards are criminal!

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 18:25:20 GMT

Let me rephrase, Imagine was the best out of my choices but I agree its criminal but my credit scores are below 500. I have to say they were like 420 in October and I have them to between 480 and 502 now but I have worked hard and still have a LONG way to go but I have lots of support

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 18:31:20 GMT

thanks for the tips, My scores range from the mid to low 600's. I think I just might wait a little bit longer and try BofA again. They have one of the lowest annual fees plus they do reward as well for good behavior.

Re: I got my first CLI increase!!!

Anonymous — Thu, 10 May 2007 18:31:50 GMT

clarrification mid 500's to Low 600

Re: I got my first CLI increase!!!

Tuscani — Thu, 10 May 2007 18:33:17 GMT

Singlemom_gigi wrote:
Let me rephrase, Imagine was the best out of my choices but I agree its criminal but my credit scores are below 500. I have to say they were like 420 in October and I have them to between 480 and 502 now but I have worked hard and still have a LONG way to go but I have lots of support

I understand. You gotta do what you can. Just infuriates me how they rape people in fees.