Legacy Visa Card

Issued by the First National Bank, the Legacy Visa is available by invitation only and designed to establish or re-establish credit score. Often referred to as ‘credit repairing visa card‘ or ‘poor credit visa card‘, Legacy Visa Card offers relief to those with no credit or poor credit.

Whether Legacy Visa Card is your first or last resort to fix your credit score, we believe not all credit cards are the same so is Legacy Visa.

So here’s our unbiased review of the Legacy Visa

  1. The Legacy appears to be a viable option to repair your credit score when you’ve exhausted all other options. From what we’ve come to know, your payment history is reported to three credit bureaus who are responsible for your overall credit report. This is perhaps the only reason why we think you should take advantage of the card in the first place. Only if you were committed to paying on time what you owe.
  2. Common among other cards, it is supplemented by yet another feature such as purchase protection which gives you assurance that the products you purchase will be insured against accidental damages, losses and thefts. Pretty standard, huh?
  3. Built to give ease to its customers, Legacy can be accessed online for one to check his account information or even make payments from home which reduces the risk of paying your bills late. Identity theft is also not the problem. Moreover, you can also check your account status at the time most convenient to you.

But before you say “Yes”, let’s take a look at some other little facts about the Legacy.

  1. Legacy will charge an amount of up front fees at the time you receive your Visa Card applicable even if the card should remain unused until you do. However, the fee will be refunded should you opt not to use it after 30-day trial period.
  2. Usually, Legacy will not grant an opening credit line for more than $250 especially for new accounts. The good thing is that it is not so strict when it comes to account reviews and it happens so rare which gives you a better chance to have higher credit line should you maintain good payment history.
  3. Should you opt to have Visa card with Legacy, it’s important that you’re aware of its slightly higher interest rates and annual fees. However, according to our sources, those rates are negotiable at all times. We suggest that you call their customer representative just to make sure you are viable for their low interest rates.

And if you decide to use Legacy Visa Credit Card, we suggest that you read and comprehend the terms and conditions upon receipt of the card itself. If questions should arise, you can their hotline @ 866-604-0380 or visit their website for complete, up-to-date details on what you’re getting into.

Other credit cards for people with bad credit

Getting a credit card alone will not help you build, re-build or re-establish your credit history. The key to a better credit history is to pay your credit card bills on time and maintain your account balances below the allocated credit limits.

Below are credit cards for people with less than perfect credit.