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Your go-to card for everyday purchases. Pay with confidence — use your credit card anywhere Visa is accepted. Build credit with responsible card use. No interest on purchases if your balance is paid in full each month. Use with confidence and trust Legacy’s 20+ years of experience. We’re right here every step of the journey!
- Login Or Register New User
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- Cardmember Services
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- Apply Reservation Number
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- Enter Your Reservation Number
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- Contact US
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- Account Summary
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- Frequently Asked Questions
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- 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
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...
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Who makes the legacy Visa credit card?
Feb 2, 2024 · The Legacy Visa® Credit Card is a legitimate offering by the First National Bank for those looking to establish credit. It is important to evaluate the card’s fee structure and APR relative to other available credit card options.
- Dean Snow
Jan 22, 2015 · Any Info on Legacy Visa Issued By First National Bank. Received a pre approval today for a Legacy Visa with a SL of up to $1500. The card is issued by First National Bank. It comes with a nice $75 annual fee.
Jan 24, 2024 · First National Bank will initially issue you a credit line of at least $350 on its Legacy Visa® Credit Card. The highest starting credit line is $1,500. You may be considered for a higher credit limit if you meet the bank’s requirements. You must: Make all your payments on time. Late payments will delay or permanently bar a credit limit ...
- Legacy Credit Card
May 17, 2023 · The Legacy Visa Credit Card is a credit card offered by the First National Bank. Many people who want a credit card are attracted to this particular one as it boasts so many benefits. However, there is the argument that these benefits do not make having the card worth your while as there are many downsides to this credit card option and it is ...
