I've had this card for about 2 years. Never missed a payment, never late. In fact, I had paid it in full just last month. Well, tried to use it last night to purchase items for work and it was declined. When I got home, I logged in to my account to see what was going on and was told that "'management' has decided to cancel all Imagine cards, it has nothing to do with your history with us or your handling of your account." No notice, nothing. Just cancelled out of the clear blue. I guess I should count it all joy, being that they are a subprime card anyway. I just hate the fact that this is going to ding my credit score in the worst possible way. I was really hoping to get rid of them first. So, if anyone else's card got cancelled unexpectedly, it's not you - it's them.

To add a little more detail to my previous review: I knew that I had more than $350 in available credit nand was only trying to make a $30 purchase. After logging in to my account at home, I noticed that available credit and recent transactions had been zeroed. Only my balance due was reporting. I called customer service (in India, of course) and was told that all Imagine cards were being cancelled. I realized after I had posted the previous review that I had skipped quite a bit of info and it didn't make much sense when read! LOL! But, like most other subprime lenders, Imagine's implosion was coming at some point.

I had this card for a few months and everything was going fine. I pay all my bills online and when i switched my personal bank account to a credit union, i updated my information online so the direct debit to my checking account would go through. Apparently you have to call the company, who is out of india, to update your banking info with them. they claim that even though i updated it on the website, that was not enough and therefore they charged me a 35.00 returned check fee (on a 2.09 payment)and refused to waive that fee. i cancelled the account and asked them to show me where online it says a cardmember has to call in to update banking info. The customer representative said she is mailing me the proof and could not direct me to the website page that states this info. I have searched all over their website and NOWHERE does it say you have to call them. I feel this company is taking advantage of consumers with litte or no credit, thinking that consumer will think they are priviledged in having this card. As a representative with American Express and an American Express card holder I have to say BULL!!! I am currently awaiting this proof before I contact the Better Business Bureau and an attorney.

This card is 100% the way to start the repair on your credit. This is a great company to work with .

I have been pleasantly surprised with this card. I'm in the process of rebuilding my credit and I applied for this card some time ago. For the first 3 or 4 months I paid my balance off in full each time and soon they started rewarding me with credit line increases. I'm now up to a $500 limit and I've had the card for less than a year... probably much better than must cards of this type. The downside of course are the fees.