First National Bank, Legacy Visa rip-off! They gave me the impression that I was rebuilding my credit. Pierre South Dakota

I read the contract on this card thoroughly. It told me that we were going to be assessed all the "Annual Fees" etc... and that the amount of the fees would be deducted from my Credit Balance. I've found no wrong doing by this company. It stated everything in the letter accompanying the card.

My limit was $55.00 after fees and extra card fee etc... This is another way of them giving you a "Secured" card without calling it that.

For people with bad credit, such as myself, these are the only types of cards we can get. By assessing you the fees and such and only allowing you $30-$50 of credit they minimize their risk as well as negate a "Deposit" or "Down Payment". Most secured cards are infact just that.

A deposit for $250.00 gets you a $250.00 credit line. This is the way it works. I would suggest to everyone out there to read everything they sign very, very carefully.

In my letter it wasn't in small print. It was in bold type. I'm not saying it wasn't for other people, just stating that they didn't try to slip one by me. Thxs for your time and I hope this may help you in some way.

I received this card also in the mail but my limit was 75.00.I paid the 250.00 through my checking and the money was available the very next day and I usually do this three or four times a month so that a visit to the bank is not needed, so far so good!