Report: #294237

Complaint Review: Legacy Bank Visa Card Thru First National Credit Card A Division Of First National Bank Pierre, SD

  • Submitted: Mon, December 24, 2007
  • Updated: Mon, December 24, 2007
  • Reported By: Bossier City Louisiana
  • Legacy Bank Visa Card Thru First National Credit Card A Division Of First National Bank Pierre, SD

    Pierre, South Dakota
    U.S.A.

Legacy Bank Visa Card Thru First National Credit Card A Division Of First National Bank Pierre, This company is a total rip off. Pierre South Dakota

*Consumer Suggestion: Just FYI

Show customers why they should trust your business over your competitors...

I received this card in the mail without even knowing what the credit card company is all about. I did not know you have to pay $119.00 just to activate the account, $20.00 for an additional card and $50.00 annual fee. My credit limit was to be $250.00 and if you add all the original charges $189.00 that leaves my with $61.00. What a joke.

I have written to all major credit reporting bureaus to notify them that I will not be accepting this card. This company gives you no way of contacting them other than by their statement. Which when you receive your first statement, you already owe them the $189.00 and according to their terms you are in default even if you close the account and do not pay the charges. This is really a BIG RIP-OFF. People please be aware of what is going on with this company.

Sue
Bossier City, Louisiana
U.S.A.
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This report was posted on Ripoff Report on 12/24/2007 03:46 PM and is a permanent record located here: http://www.ripoffreport.com/reports/legacy-bank-visa-card-thru-first-national-credit-card-a-division-of-first-national-bank-pierre-sd/pierre-south-dakota/legacy-bank-visa-card-thru-first-national-credit-card-a-division-of-first-national-bank-pi-294237. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Just FYI

AUTHOR: Melissa - (U.S.A.)

If you are getting this kind of "credit card" offer, you have pretty terrible credit. A company would have to be pretty dumb to offer credit to people who most likely will not be paying it back. Perhaps in the future, you should read the terms before you send in the application.
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