ImagineReviews of imaginecredit.com

Easy application

Rates are high and having the card is high

Check in was a long wait and the representative did not apologize for it.

Got the card pretty quickly. I do like how debit card payments are available immediately. But the $175 is very high…higher than any of the rebuilding cards I haves and the APR is crazy high at 36% so I can never carry a balance: monthly fee starts in year 2. They gave me $700 to start: I was hoping for the $1000 but that didn’t happen. I will keep for the first year since all fees are paid. It does report to the 3 bureaus. No problems with purchases so far. Just an expensive card but I understand that is true price to pay to rebuild my credit after a bankruptcy. And it took a while to get approved. Was denied twice before they finally approved me.

I was late once making payment they closed my account. And I have overlimit protection. If I went over I paid everything right away but they still closed my account. Not cool.

The card seems to be great and moving forward with credit decisions, but what I am disappointed about is the large fee that is put on an order to get good credit. It almost feels backwards and doesn’t make sense especially for us folks who work hard every single day for every penny, and every dollar at the end of the day blue collar workers for people to stand up for us.

I don't like that they tell you they will cancel your card if you don't use it or that they pnlace a monthly fee on a zero balance. None of my other cards do and I haven't use some in 2 years!

I just think I should have a higher credit score limit.