Imagine Gold Mastercard First National Bank of Delaware

this is a fraud thing with this card they took money out of my bank account and didnt leave me with nothing they screwed me on this card.so i advise you not to get this card.

i fially after calling and calling got it right i just got an email saying that i will get my card in a few days and there was a prob with there system that they were sorry i hope i do get the card at least it looks like i will soon

how long does it take till you can use the card after you pay the card when you first get it

trying to make a payment

(888)408-6572

if this is a scam i say they have a heavy law siut on they azz cause this is rediculous eb have questions and no answers are posted they customer service is probably in TIAWANNA somewhere we really cant get to so i will be chkin this site and if it continue to be this way im sure we can get something done about it together BBB.

I got an email saying that I was preapproved for this card. I get them all of the time and also for the First Premier bank..I already had one through them and b/c of their ridiculous fees, it ended up as a chargeoff on my account and I am just now getting it paid down. I have one more pmt and I will be pushing for the chargeoff to change on my CR..

i just got the card it took near 3 months but they did get the card to me and sent a paper sayn there was a computer system issue and i will be receving a 50 dollar amazon gift certificate for the problem and time delay im just glad i got the card after all the time im calling to activate the card it seems like the credit place is a real one

Hello to all asking about this card. I have it and I too was told that anyone with a checking account would be approved but you had to have at least 5.00 in your account at the time in order to be approved. Their 24 hour customer service number is 1-888-408-6572. Good luck all

So far I've had a good experience and the customer service is pretty good, despite having trouble understanding there english.

Just read the contract agreement carefully so you understand the terms.

I got the card. I used it paid the balance within a week of using it. Asked if they would have to debit the $30 from my account since i did not have a balance, they said b/c of policy they would have to. I said ok used the card somemore got ready to make another payment was told you have 2 wait 7 days b/t payments. The only other way to pay was by western union and that costs 12 bucks. So I said fine I will wait. Check my account 7 days later I have a $35 nsf b/c they say I didnt have $3o in my account. I had to fax a copy of my balance on the day of withdrawl to prove I had more than enough in my account. Still the fee has not been removed. They suck the customer service is horrible. As soon as I have this issue resolved I am canceling this card.

I applied for this card and received it in about a week. It's a legitimate card issued by a legitimate American bank (not Indian or Mexican as some previous ignorants posted). In fact, the issuer is the Bank Of Delaware.

As you can read from previous posts, the majority of people complaining about this card are fools who were denied, or couldn't keep a minimum balance in their checking accounts. If you can't keep at least $30 or $40 in your checking account for when the bill comes, then you don't even deserve to have a credit card at all. That is the hard truth. For others like myself who have somewhat bad credit, this card is a good way to rebuild your rating, because this card DOES report to all credit agencies.

The only thing is that the interest is very high so you should only plan to keep it for a year at most, paying each payment on time, and then you can cancel it and apply for a card at a different bank w/ lower interest. Other than that, this card is good.

i have the card now in i just sent them a payment so i hope they dont denine me if they do they better give me my 25$ dollars back

please let me know

exactly how long did it take for the card to come in?

I have this card, and Ilove it. It is easy to pay and use. I have not had any issues at all. I was approved right away, but it did take several weeks for the card to arrive.

oh really?! darn. cuz i was hoping for it to come in by this sunday. hopefully.... so no huh?

Can I pay the 4.95 fee from another credit card?

what ways are there to pay the activation fees on my new imagine gold card?

I got my new Imagine Credit Card already in the mail and it is actavated already but i dont know my pin number. Did it come with my card or do i have to wait for it? Or is there a number i can call to get my pin number so i can pull cash out at an ATM? I Really need help ASAP because i have to pay a bill today and they only take cash. What do i do? Please help.

the company takes the money (fees) up front then you have 2 wait almost 2 weeks to use the card.

i try to activate the card but i had no luck how can activate my card :)

I applied for the credit card and it was in the mail in a week and activated within 4 days. i really like this credit card, i'm waiting for an increase on credit limit.

i just got my card in the mail a few days ago. It will be activated tomorrow (tuesday). I will have an available amount of $150. with $150 balance. i really hope that this card doesn't screw my credit or anything over. when they took out the processing fee my acc. went under.

My husband and i were both approved. the only bad thing is thier year fee ($228!) wow.

Why would anyone apply for such a ripoff card? Any bank that charges extremely high and nonsensical "fees" to apply for a credit card is not one worth dealing with. Those outrageous "fees" eat up the so-called credit limit. What can one do with a $72 or $150 credit limit? These cards are designed , with their high fees and interest rates, to have their customers default on their account. What does the bannk care? They ahve your upfront "fees".

Is it possible to get my pin number sent to my secure e mail addy? They say that it was sent out on the 10th of May but I have not received it. I would like to access the ATM but do not want to wait another 7-10 days.

email address removed as per forum rules - Mike

I have yet to receive the card also How long does it take you to mail it out? Ive been getting e-mail to activate a card I dont have

i got approved for this card and then got email stating my bill was due and i havent even got the card,i had a 4.95 charge and a 12.00 charge taken out of my checking account and still have not seen card. i tried to contact them about it buit my email was sent back saying it couldnt be deliverd, i tried to contact by the link that was on the email they sent me and i couldnt ask a quwstion because i dont have my card number, now i am afraid that it is a fraud,can some one tell me if this happened to you and if yes did you get the card

how can i pay it on line? because that is the only way i can i would like to be able to use my card today! HELP! :?

8) I have had my card for about 4 months, it was a shakey beginning, but since I've been using it, I don't have a problem with it and if your credit sucks it's not a bad card to have anything looks better than debit printed on it. I have also checked with my credit monthley and it's in there in good standing. in two months i'll be up for my credit increase. Just don't screw up your payment history.

It looks to me that this card and ones like it were designed to have people screw it up and therefore incur more fees and outrageous rates. Read above and see the difficulties people are having simply trying to send an email to this card issuer, let alone trying to make an online payment. Stay clear of this card - it is an apparent ripoff.Is having a piece of plastic in your pocket worth the risk of further ruining your credit? With all of the fees tacked on and such, the amount of available credit is a joke anyway.

I received this credit card today. I did not ask for it. But I did get a payday loan at Fast Cash online. I tried calling the number and only got recordings. I kept trying until I pushed lost card. Recording told me I will be connected to agent. I thought alright now your talking. Sure, after 20 minutes of not a single sound I was still connected to a nothing line. I finally hung up. I called 411 information and got two regular phone numbers for First Bank of Delaware. They are (302) 239-0595, and (302) 529-5984. 800 information does not have a number listed for them. Meantime my hubby went online to check our bank and before I even got the card they had taken $4.95 out on the 19th. Two days ago. I will keep you posted after I contact the First Bank of Delaware. Anyone else wanting to call the bank, please do so. See if we get the same story. I put a stop payment on all future items from them.
I also get at least two phone calls a day from someone I cannot understand very well telling me I qualify for a gold master card. We hung up on one man and he called us right back. My hubby told him again we do not want this card and an hour later we got another call same guy.

how long before i get my card

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I also got sucked into this company watching t.v. I got the card, but still haven't activated it. There is a lot of fees and the intrest rate is nearly 20 percent. I checked them out one the Better Business Bureau of New Jersey and there're not regestered but have resolved 2 complaints since March of this year. I'm not going to activate my card (with a $70 limit :o ) If anyone wants to check them out go to NewJersey. BBB.org and put in this info:
Imagine MasterCard
P.O. Box 136
Newark, NJ 07101
Hope this helps....Don't get sucked in. BTW WAMU does secured cc @ $300 to start and there ligite! :lol:

I applied for this card 2 weeks ago. The Last thing you're asked for on the online application is your bank info. I called the 888 number before I typed that in. I wanted to make sure they were only going to take the 4.95 and nothing else. When I reached customer service, I asked about annual fee costs, monthly charges etc. I was told the annual fee was 15.00 and no additional charges other than interest and monthly payments.
I entered my banking info and was shocked to see the screen immediately say APPROVED not 3 seconds after Id clicked enter. Then another screen pops up tellin me my credit limit was $70.00 less yet another processing fee finance charge of 4.95 and the annual fee of 15.00, making the available credit 50.00.
What they didnt tell me, was that regardless of whether you use the card or not, immediately following activation, there is a monthly fee of 19.95, yes monthly fee for life...well, as long as you have the card...so, on top of the 19.95 monthly fee, you then have your minimum monthly payment of I believe 35.00 or the balance of your bill whichever is greater...oh yes, the annual percentage rate is 19%. In other words, your credit limit is 50.00, you use 10.00, but are billed 55.00, which means your 10.00 purchase has now cost you 45.00.
Mind you, the payment is not taken from the card balance but automatically deducted from your checking account. I received the card, NO I DIDNT ACTIVATE IT, AND WONT, then I rec'd a bill a few days later for 19.95. This card isnt what it appears to be, obviously!! Im cutting the sucker in half and hope any of you out there will please do the same .
Have a great day, Sheri

Here is a bit of info from the site:

You people call this a good card?????????????
i think you might be a bit lost.....Paying 228.00 a year in fees for a credit limit of 70.00 is a definate rip off!!!!!!!!!!!!!!!
If you dont think so, ask your shrink!!!

Help me what is the correct number for customer service to find out informationabout cardfees deducted no card

The new era of loan sharks

some people say they can help u fix your credit but what they really do is adding more stuff!

:twisted:

where do you go for account

888-408-6572 I just called this number to cancel it they had appoved me about 2 mths ago and i was so happy after being denied so many times. Well they deducted 4 something from my account then i started to see all these deductions and I never recvd the card. So i just called and cancelled they tried to convince me them Arabs or whatever they are cant even understand them. They said they would send me a cancellation letter. Good...

I got my card and its been the best thing thats happen to me in a long time thank you Imagine Gold
D. DeWitt 8)

D, if that is the best thing to happen to you in a long time, then I hope your life significantly improves in the future...

yes it reports as an account in good standing b/c it automatically draws from your checking account. so i guess you have no choice but to pay them on time.lol

I continue to be satisified with my imagine credit card. I applied on line had my card in less than 2 weeks and am now reparing my credit.

the # is 1800-710-4062

I recieved my Imagine Card, I called to activate it, and now they are saying my account can't be activated! And, you aren't even giving the option to talk to a live operator. Talk about freaking fantastic! :x

I have the card now, the management site is a little un-informative, but function wise, I've never had a problem with the card. I keep my account in the Positive by paying a standard amnt each paycheck, as opposed to each month, so my balance is always low... great card...
I don't know about reporting to any credit agencies, but I'll have to check that out