ImagineReviews of imaginecredit.com

Missed a payment. Made the payment about 1 week after due date and they had already closed the account. They did not even notify me, found out through a Credit Karma notification. Called to verify that account was closed and told they mailed me notice of closure which I still have not received.

I was approved for this card and I admit I am late on my payments, but they closed my account and I CANNOT login to make any payment. They keep sending the "no reply" email saying I'm late and need to make a payment. I have taken screen shots of trying to login so when they decide to try to take me to court, these pictures will hopefully help my case. Can't pay when they won't let you.

Do not use Imagine. I paid $12.50/month for over 2 years. My credit improved so I called to cancel. Turns out my fee was only $49/year not $150. They offered me to stay and they would refund the overpayment. Not even worth it. The $12.50 was explained as a “service fee” for the convenience?? No thank you. My other cards have no annual fee!

What a scam! I applied with a 650 credit score and was denied within seconds. God only knows where my information really went to.

Because I paid after the cutoff time of 5 PM on the due date, I was slapped with a late fee of $30. Other cards have a cutoff time way beyond that window. Customer service stinks and they offer you nothing other than your payment has to be in before 5 PM. Was never late on this account. Do yourself a favor and find another card to go with. STAY AWAY!!!

I am not impressed with ImagineCredit.com. Their customer service is lacking, especially when it comes to assisting customers with disputes. They tend to side with the merchant without fully considering the customer’s input or concerns. Additionally, the app is very basic and offers limited features, which further detracts from the overall experience.

I just signed on with this company, paid my monthly bills on time, yet they keep harassing me by NO-REPLY e-mail that I am late and they froze my card. Well, I mail in all my bills via USPS Certified Mail (costs .65 c. each) and get a copy of the mailing each time. However, this entity like some sketchy banks, does not let you get in touch with them via email, so I cannot send them proof of timely mailing. This is a scam company and I do not recommend doing business with them.

Title: IMAGINE VISA IS A SCAM DISGUISED AS A CREDIT CARD COMPANY I have contacted Imagine Visa several times regarding my job loss and my request for hardship assistance — and the so-called “virtual chat” stated they do not offer hardship options. That is not only unacceptable, it’s irresponsible and deceptive for a company that markets itself as “helping people rebuild credit.” Imagine Visa (Atlanticus Services Corporation) has shown zero compassion or accountability. Their customer service is nonexistent, their “credit protection” plan is misleading, and there’s no clear contact email for assistance. Everything funnels you through a robotic chatbot that gives canned responses. That’s not help — that’s neglect. When consumers are struggling, your answer should not be, “We can’t help.” The FTC, CFPB, and DFPI have been notified, as this company fails to provide fair and transparent support. Under the FDCPA and TILA, consumers have the right to written communication and protection from unfair billing or collection practices. If Imagine Visa thinks silence, denial, and late-fee piling are acceptable business practices, they are mistaken. Every ignored message, every canned reply, and every refusal to work with customers is being documented and shared with the regulators. This is the definition of predatory behavior. I reached out in good faith — before falling behind — and received nothing in return but vague answers and robotic responses. Imagine Visa is not a credit-building tool — it’s a trap. To anyone reading this: Document everything. Don’t call, don’t waste your time. File with the CFPB, FTC, and BBB so these practices stop for good.