Jonathan B.
I never used this card and now they…
I never used this card and now they wanted to charge me. I will contact them and try to cancel it and have the fees waived. I never even activated this card.

For those looking to build credit history or strengthen their credit, the Imagine® Visa® Credit Card offers an unsecured card option with everyday rewards and practical benefits. Issued by WebBank, the card reports payment activity to all major credit bureaus, so responsible use may help you build credit over time, even if yours is less-than-perfect.Cardholders can earn 1–3% cash back rewards on eligible purchases* and enjoy free access to their credit score.* You’ll also have 24/7 customer service support, a straightforward online Account Center, and a convenient mobile app to help you manage your account with confidence. Learn more at imaginecredit.com. $0 security deposit $0 application fee $0 fraud liability No credit score impact (prequalify with a soft credit check)See If You Prequalify*Learn moreClick here to view additional details. Zero Liability subject to terms and conditions of Visa’s Zero Liability Policy.
Imagine (imaginecredit.com) has 598 customer reviews on Five Star Index, with an average rating of 4.0 out of 5.
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Investments & Wealth · NEW YORK, New York
Excellent

Investments & Wealth · Seal Beach, California
Excellent

Investments & Wealth · New York, New York
Excellent

Investments & Wealth · Conyers, Georgia
Excellent
Showing 116 reviews with 1 star · Clear filters
Jonathan B.
I never used this card and now they wanted to charge me. I will contact them and try to cancel it and have the fees waived. I never even activated this card.
Carol T.
It is the worst Credit Card I’ve ever experienced. I would never recommend it to anyone.
Brian
I didn't receive the first card so I requested a second one and when it comes I can't activate because for some reason there is a third one on the way . In addition to not having the card I have a bill due .
MARCIA E.
Worst credit card , regret applying.Very Low approval amount,Not very nice customer service representative
Response from ImagineSep 24, 2026
Thank you for taking the time to share your experience. We are always looking for ways to improve. We will pass this along to the team for feedback.
Charles
This company has awful awful customer service I called to get my credit protection benefits starting was too old it would take 90 days told him I was paying for some credit protection that that I can't use it much hopefully I'll be back to work before the 90 days is up so I end up canceling my car that I don't want to deal with a company like that who who has predatory policies
Yikes
This card is really behind the times. It’s a credit card with old services you would have expect at the turn of 2000. The annual fee provides no value at all in realistic benefits - just benefits you more than likely won’t ever use. Oh! This bank is all about fees. You should have to deal with a fee until you activate your card, not a fan of being billed weeks before for a card that shows up weeks later. Let’s not forget the barely speaking English customer service people. Chances are the bank doesn’t pay well and this is what you get.
Littlekbirdie
I called about my card. They shut off my wife's card. Different names. Different accounts. Her card is not linked to my account in any way.
Samantha S.
They can reload the card faster and clear the pending account. It shouldn't take long to clear pending account