Report: #313096

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

  • Submitted: Thu, February 28, 2008
  • Updated: Mon, April 02, 2012
  • 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

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

*Consumer Comment: First National Credit Card

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

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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

St. Petersburg, Florida

This report was posted on Ripoff Report on 02/28/2008 05:02 PM and is a permanent record located here: 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 Comment

First National Credit Card

AUTHOR: rwm3579 - (United States of America)

I would like to say that I was in the same boat, screwed up credit and all of a sudden started to get credit card offers to rebuild my credit, including the Legacy Card. Let me start by saying I filled out 5 applications that were all accepted. All had the same premise, start with a $250.00 to $300.00 limit, pay the fees and what I was left with was between $9.00 and $41.00 on each card.

This brings me to my point. If you read all the literature before you signed, you would have known what you were in for. The Legacy Card is the only 1 out of the 5 I still have, and that is because it is the only 1 that was honest from day 1 and didn't screw me over. I have had this card for 4 years, pay a little over the monthly payment each month, have gotten periodic credit increases, and never had any problems. I also was in the hospital on 2 seperate occasions for a month at a time and they waived the late charges incurred because of my past payment history.

What I suspect is you didn't read everything before you signed up, or you screwed up again. Are there other favorable reports out there?
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