Imagine

Imagine, a Visa credit card for rebuilding credit history

Imagine is a Visa credit card marketed through imaginecredit.com and issued by WebBank. Its offering is aimed at those seeking a fresh start on their credit journey, with access to spending power for everyday expenses and no security deposit required to open the account.

Cardholder benefits

The site details a set of advantages associated with the card:

• Instant credit decision when applying for the card.
• Possibility of accessing additional credit opportunities if your payment history is favorable.
• Zero liability fraud protection: the cardholder is not responsible for unauthorized use if the card is lost or stolen, subject to the terms and conditions of Visa's Zero Liability Policy.
• Free credit score, available in your online account 60 days after opening and updated monthly. The VantageScore 4.0 score is provided by TransUnion and is for educational purposes only.
• Transaction alerts configurable by email, text message, or app notifications.

Prequalification and responding to the offer

The website allows users to check if they prequalify for a card through a soft inquiry that does not affect their credit score. If the user accepts an offer, a hard inquiry is made. Final approval is not guaranteed if all applicable criteria are not met, including adequate proof of ability to repay, and income verification through access to bank account information may be required.

Account Center and management

The Account Center area allows you to activate your card and manage your account: check your balance, review transactions, and set up alerts, among other functions.

Customer service

Imagine Visa card customer service is available Monday through Sunday, 8:00 a.m. to 12:00 a.m. Eastern Time. A telecommunications relay service is also offered for people with hearing impairments (TTY/TDD). Mailing correspondence should be sent to Account Services, P.O. Box 105824, Atlanta, GA 30348-5824.

Location and contact

Account Services P.O. Box 105824 Atlanta, GA 30348-5824 · Phone: 1-888-549-0040 · Hours: Monday through Sunday, 8:00 a.m. to 12:00 a.m. (Eastern Time)