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Legacy Visa credit card offers a fresh start to help build your legacy with no interest on purchases and no security deposit. Contact the Customer Care team for any questions or issues with your account, or manage it online with the free mobile app and website.
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First National Visa Credit Card, issued by First National...
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Enter Your Reservation Number - Legacy Visa® Credit Card - A...
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Online Privacy Policy - Legacy Visa® Credit Card - A Fresh...
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Account Summary - Legacy Visa® Credit Card - A Fresh Start...
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Accept Mail Offer - Legacy Visa® Credit Card - A Fresh Start...
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Apr 1, 2024 · Sarah Bilkins, WalletHub Credit Card Analyst. You can get a Legacy Credit Card credit limit increase by calling customer service at (888) 883-9824. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income the issuer has on file.
Nov 16, 2023 · Access your First National Credit Card® account virtually anywhere with the Legacy mobile app. You can check your account balance, pay your bill, view transactions and more. FAST AND EASY ACCOUNT ACCESS. • Biometrics for a safe and secure sign in. STAY IN-THE-KNOW WHEN YOU’RE ON THE GO.
- Is The Legacy Visa® Worth It?
- What The Crowd Says
- Rates & Fees
- Credit Limit
- Benefits
- How to Get A Legacy Visa® Credit Card
- Building Credit
- FAQs
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No, the Legacy Visa® isn’t worth it. Even if you have bad credit and don’t want to pay a deposit, there are better unsecured credit cards out there that have lower fees, more perks, and the same credit-building potential. Here’s why we don’t recommend the Legacy Visa®: 1. Little in exchange for the annual fee: This card comes with an annual fee of ...
Reviews of the Legacy Visa® are scarce, and the ones available online offer pretty mixed opinions on whether or not it’s a card worth getting. The consensus seems to be that while it’s not the worst unsecured card out there for subprime borrowers, there are alternatives that offer better value for money.
Fees
1. Annual fee: $49 or $75 2. Cash advance fee: 2% 3. Authorized user fee: $20 per year per additional cardholder 4. Late/returned payment fee: Up to $25
Interest Rates
1. Purchase APR: 29.90% (variable) 2. Cash advance APR: 29.90% (variable) 3. Penalty APR: N/A 4. Minimum interest charge: None
Your credit score is affected by your credit utilization rate, aka how much of your available credit you’re using. A lower rate is better, so having a higher credit limit is a good way to improve your credit score.
The Legacy Visa® features several benefits: These benefits are nice to have, but none of them are extraordinary. Several (ID theft and fraud protection) are practically universal—almost all credit cards offer them.
Credit Score Required
The Legacy Visa® website doesn’t actually specify what credit score you need in order to be eligible. However, when we spoke to the customer service team, they told us it was available to bad-credit borrowers and could be used for building or rebuilding credit. This makes it suitable for people with credit scores between 300 and 580, which are considered bad scores. If your credit is above this range, you can almost certainly qualify for a better card and shouldn’t apply for the Legacy Visa®.
How to Apply
You can only apply for the Legacy Visa® if you’ve received an offer in the mail. If you have, you can respond onlineby going to the website and entering your reservation number and access code (which you’ll find on the acceptance form you received). Note that your credit score may drop slightly when you apply. That’s because your application will trigger a type of credit check called a hard inquiry, which will knock a few points off your score. The effect will be minor and will last for one y...
Credit Reporting
If you want to build your credit, it’s important to pick a card that reports to all three major credit bureaus in the US. All of these companies have a major influence on your credit and your borrowing prospects, and you want your positive activity on your credit card to be reported to all three.
Tips for Credit Building
The Legacy Visa® credit card will only help your credit if you manage your account responsibly. Here’s what you need to do to build credit with the Legacy Visa®. 1. Pay all your bills on time: If you miss your payments, you’ll eventually receive late payments on your credit report, which will hurt your score. You’ll also have to pay late fees on your credit card, which will make it even harder to stay on top of your bills going forward. 2. Keep your spending low: As mentioned, the lower you c...
What bank issues the Legacy Visa®?
The Legacy Visa® credit card is issued by First National Bank.
Does the Legacy Visa® credit card have a grace period?
The Legacy Visa® credit card gives a grace period of 25 days (beginning on the first day of the new billing cycle). A grace period of this length is very standard in the credit card industry. During the grace period on your credit card, you won’t have to pay interest on purchases you made in your most recent billing cycle. However, if you don’t pay them off in full by your payment due date, they’ll start to accumulate interest.
Does the Legacy Visa® allow cash advances?
Yes, the Legacy Visa® allows cash advances (a service where you use your credit card to borrow money or make cash-like transactions). The Legacy Visa® charges a cash advance fee of 2%, which is relatively low, and its cash advance APR is the same as its purchase APR (whereas on many cards it’s higher). This makes it a decent card for cash advances. However, unlike normal purchases, cash advances start to accrue interest right away, so they can still get expensive. Be careful about using the L...
The Legacy Visa® is an unsecured card for bad credit with a high annual fee and APR. It has no rewards, benefits, or customer service information on its web page.
- First National Credit Card
Apr 21, 2023 · Learn how to make a payment on your Legacy Visa card online, by mail, by phone or in person. Find out how to manage your account, dispute charges, report a lost or stolen card and more.
Call Us. Customer Service Inquiries: 1-888-295-5540. Report a Lost or Stolen Card: 1-888-295-5540. User ID/Password Help or Technical Assistance: 1-888-467-2217. Hearing Impaired Customers with TDD Equipment:
