ImagineReviews of imaginecredit.com

Very rude and hostile customer service personnel. After one year of perfect payments they won’t raise credit limits nor adjust the annual fees or offer a better annual percentage rate. The sneaky fees they give after one year are predatory. Just another evil greedy disgusting company. Make sure to get confirmation of account closure. Use to grow credit and get out as soon as possible. If you can avoid it you will save yourself some grief, stress, frustration and shame.

I was approved on May 20th, it's now June 10th, and I have never received my card. It's been 3 weeks since it was mailed. I called and emailed to let them know I never received it. Today, I called and spoke with David, who was very nasty and rude. He threatened to cancel the call because I was recording the call, since I don't trust them. I stopped the record and got my account closed. David said that I had until tomorrow to receive my card within the 14 days. News flash, it's been 21 days. STAY AWAY!

⭐☆☆☆☆ **Disappointing Experience with Fraud Claim Handling** I am extremely disappointed with how my credit card company handled my fraud claim. Unauthorized charges were made on my account in another country, despite the fact that I was not present there and did not authorize any of the transactions. As soon as I discovered the fraudulent activity, I reported it immediately and fully cooperated with the investigation. I provided all requested information and expected the company to protect me from clearly unauthorized charges. Instead, I was informed that I would be held responsible for the transactions and expected to pay for them. What is most frustrating is that the transactions occurred in a foreign country, which should have been a major red flag and triggered a more thorough fraud review. Rather than supporting a customer who reported the issue promptly, the company chose to place the burden on me to prove that I did not make the purchases. A credit card company's fraud protection is one of the primary reasons customers trust and use their services. Unfortunately, my experience has left me questioning whether that protection is actually provided when it is needed most. I hope the company reevaluates its approach to fraud investigations and does a better job of protecting customers who become victims of unauthorized activity. Based on my experience, I am very disappointed with both the outcome and the overall customer service I received throughout the process.

This is either an Asian or offshore bank, fake credit card, as soon as they charge the annual fee they close your account for an unknown reason without any notification. This is a major scam as a credit card bait. Customer service can't speak or understand english properly. Horrible. The only explanation was " the system closed your account " . I asked what is the system ? They could not answer.

DO NOT... I MEAN DO NOT.. DO NOT apply for this card, etc.. I applied for this card due to, an offer I received in the mail. I haven't even activated or used this card. At this point, I have no plans too. Reason being, the customer service is trash how they treat customers. I requested to speak to a supervisor. Due to, the fact that I was given inaccurate information prior to, applying for this card. The initial representative that I spoke to told me that I would not be charged the annual fee until I started using the card. I found out she told me a lie. They billed me an annual fee prior to, me activating the card. Which, was very strange in my opinion. Had I known this I wouldn't never even applied for the card. I'm not going to lie and say that I wasn't aware of the annual fee cause I was. However, I was told that I wouldn't be billed for the annual fee unless I had a balance on there which, I don't. Again, I haven't even activated the card. For this reason, I have no plans of using this card and I'm closing the account once I pay the $99 balance off. Normally, I don't or recommend closing cc accounts. Usually, the accounts close on their own if you're not using the cards. Yet, I don't want to billed a yearly annual fee. Especially, if there's no balance on the card. Because, I was given inaccurate information and treated poorly by a supervisor I don't want to have anything to do with this card or this company. Honestly, I do not recommend them at all. Save yourself a headache

If I could give this card a zero rating, I would! This is a nightmare credit card the first year it’s not too bad but the second year is a nightmare they charge you so many fees and the minimum payment is $60 a month which I’ve never heard of before. Do yourself a favor and do not get this credit card and then they don’t help you like they’re ridiculous please don’t get this card. It’ll be the worst thing you ever did.

I've had this card for almost a year. I've always made my payments way before the due date and even made several payments through out the month. I was under the impression my account was in good standing until I received a letter telling me that my account was closed because of "unexpected account activity". What does that mean!? When I called even their "account specialist" seen my more than regular payments and although he told me he was the last department to speak to about this even he couldn't make sense of this nonsense. He even invited me to reapply after my final balance was paid off! Why would I want to bring my business to a company that can't even explain their own terminology and close accounts that are in excellent standing? Knowing the possibility this could happen again and inconvenience me, I'd rather take my business to people that make sense. Don't waste your time with these people. They don't discriminate at all, even closing excellent accounts! Smh

Rates and fees are ridiculous, app is complete trash, must change password every single time I try to log in....TRASH... CUSTOMER SUPPORT, I WOULDN'T KNOW BECAUSE THEY NEVER ANSWER. SO GLAD IM FINISHED WITH THEM...4/16/2026...