• Report: #313096

Complaint Review: First National Credit Card Division Of First National Bank (Pierre, SD)---LEGACY CREDIT CARD

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  • Submitted: Thursday, February 28, 2008
  • Posted: Thursday, February 28, 2008
  • Reported By: — St. Petersburg Florida
First National Credit Card Division Of First National Bank (Pierre, SD)---LEGACY CREDIT CARD
125 West Sioux Avenue Pierre South Dakota 57501 U.S.A.

First National Credit Card Division Of First National Bank (Pierre, SD)--- LEGACY CREDIT CARD No Credit Credit Card... imagine that... Pierre South Dakota


1Author 0Consumer 0Employee/Owner

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To my suprise I got a curious letter in the mail. It was a credit offer, my first credit offer in a long time. I had messed my credit up a while ago in college and haven't bothered with credit applications since. I always get denied and it hurts my credit every time I try. The "Pre-approved" offer was from First National Credit Card a division of First National Bank (Pierre, SD)---LEGACY CREDIT CARD. I read the first page and it seemed legitimate.

I had remembered hearing something on the radio some time back about "credit fixing credit cards," but they had the opposite effect. Giving an initial credit limit of $250 and then with the annual fees of $50, acceptance fees of $119, as well as a participation fee of $72 it left you with a $9 credit limit left. After one month you incurred a $29 late fee, and no matter how much you paid on the card, it would never go under the $250 credit limit.

Remembering this story I took a minute to read the fine print. Found a magnifying glass and started to read. As i had figured it was the card I had previously been warned about. However my boyfriend did't head my warning. He now is stuck with this credit card he can't cancel, has over $350 on charges on it and he has never even used it.

Please, there are a ton of listing warning you about these types of credit cards. Please take the time, just a moment to discover if these companies that solicit you with "prescreened," "pre-approved" credit offers are any sort of legitimate. The company I am reporting is so quick to report late payments or limt overages, it further damages your credit, causes headaches and are just plain not worth it.

Before you fill out your next application for credit make sure it is a credit card that actually extends credit, that it is not a scam. PLEASE READ THE FINE PRINT & LOOK FOR: First National Credit Card division of First National Bank (Pierre, SD)---LEGACY VISA CREDIT CARD

Shayintampa
St. Petersburg, Florida
U.S.A.

This report was posted on Ripoff Report on 2/28/2008 5:02:36 PM and is a permanent record located here: http://www.ripoffreport.com/credit-card-processing-ach-companies/first-national-credi/first-national-credit-card-div-2fz39.htm.

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