Who Issues the Imagine Credit Card

The Imagine Credit Card, also called the Imagine Visa, is issued by WebBank, a Utah chartered industrial bank. The card is marketed and serviced by Atlanticus Services Corporation, a company focused on credit building products for near prime consumers.

WebBank is the legal issuer behind the Imagine Visa, while Atlanticus handles marketing, the application process, and day to day account servicing. The card targets consumers with limited or fair credit who want a general purpose Visa to help build credit history. Apply directly at imaginecredit.com.

WebBank is a well known bank partner in the fintech lending space, working with multiple companies that market credit products to near prime and credit building consumers, including Atlanticus and its Imagine branded card, a partnership model described by independent financial reference coverage.

This bank partner model has become increasingly common across the fintech lending industry, letting marketing focused companies launch card products quickly without pursuing their own banking charter.

Who Issues the Imagine Credit Card?

WebBank is the actual issuing bank behind the Imagine Credit Card, a common arrangement in fintech lending where a chartered bank handles the regulated lending function while a marketing company manages the customer experience.

This means when you apply for an Imagine card, WebBank technically approves the account and extends the credit line, even though Atlanticus runs the application process and ongoing customer support.

You can log in to manage your Imagine card account directly through the official Imagine Credit website. Customer service for billing and account questions is handled through Atlanticus support channels rather than WebBank directly.

Atlanticus also services other credit building card brands beyond Imagine, giving it experience managing a large portfolio of near prime consumer accounts across multiple products.

What Is Atlanticus Services Corporation?

Atlanticus is a company that markets and services multiple credit card brands aimed at near prime and credit building consumers, including the Imagine card and other similarly positioned products.

Atlanticus does not hold a banking charter itself, which is why it partners with WebBank to legally issue the underlying credit accounts while Atlanticus focuses on marketing and daily customer relationships.

Because the card runs on the Visa network rather than being a private label store card, it offers more flexibility than retailer specific credit building products.

What Does the Imagine Credit Card Offer?

The Imagine Credit Card operates as a general purpose Visa, usable anywhere Visa is accepted, rather than being restricted to a single retailer or store network.

The card reports payment activity to the major credit bureaus, which can help cardholders build or rebuild credit history over time when payments are made consistently on schedule each month without exception.

Imagine Card Vs Aspire Card: How Do They Compare?

Imagine and Aspire are both credit building cards marketed by different companies but aimed at a similar near prime consumer, though Imagine is issued by WebBank while Aspire is issued by a different bank, The Bank of Missouri.

Both card types typically carry higher interest rates and fees than cards aimed at prime credit borrowers, reflecting the higher risk profile of the near prime and subprime lending market.

Applicants should compare specific fees and interest rates closely between Imagine, Aspire, and similar credit building cards, since terms vary widely even among cards marketed to a similar credit profile.

Cardholders should read the full cardholder agreement carefully before applying, since fees, interest rates, and credit limit terms can vary significantly across near prime credit building cards.

What Credit Score Do You Need for the Imagine Card?

The Imagine Credit Card is designed for applicants with limited or fair credit history, generally accepting a wider range of credit profiles than cards aimed strictly at prime credit borrowers.

Applying triggers a hard inquiry on your credit report, which may temporarily lower your score by a few points. Checking for a prequalification option before applying can give you a sense of your approval odds without a hard pull.

Fintech partnered cards like Imagine have become increasingly common as more marketing companies rely on chartered banks like WebBank to handle the regulated side of consumer lending.

Frequently Asked Questions

Is the Imagine Credit Card issued by Atlanticus directly?

No. The Imagine Credit Card is issued by WebBank, while Atlanticus Services Corporation handles marketing, the application process, and account servicing as the company behind the product.

Is the Imagine Card the same as Continental Finance cards?

No. The Imagine Credit Card is marketed by Atlanticus and issued by WebBank, which is a different company and issuer than Continental Finance branded cards like Reflex or Surge, which are issued by different banks.

How can I talk to Imagine Credit Card customer service?

Cardholders can contact Atlanticus directly through the phone number listed on the back of their card or through the support section of the Imagine Credit website for billing and account questions.

What’s the Imagine Credit Card payment address?

Mailed payments should be sent to the address printed on your monthly statement, since Atlanticus processes payments through a dedicated payment center. Always confirm the current address on your latest statement before mailing a payment.

What are the requirements to get the Imagine credit card?

Applicants generally need to be at least eighteen years old, have a valid Social Security number, a US mailing address, and enough income to cover monthly payments, along with fair credit for the best approval odds. A full breakdown of what issuers typically look for is covered by the Consumer Financial Protection Bureau.

How do I make an Imagine Credit Card payment?

Imagine cardholders can pay online through their Imagine Credit account, by mail using a check sent to the payment address on the statement, or by phone using the automated payment system.

How do I make an Imagine Credit Card payment by phone?

Cardholders can call Atlanticus customer service using the number on the back of their card to make an Imagine Credit Card payment by phone, and a live representative is also available during business hours for help completing the payment.