Legacy Visa First National Credit Card.com Received an Offer Fee's are Clearly Stated and so is Credit Limit Sioux Falls, South Dakota

I totally agree with this poster. Everything is spelled out before you decide to accept. One person complained that they did not get $1500 that they said it guaranteed them and then they only ended up with $250 or something like that. IF they had read it better they would have seen that it said UP TO $1500, but MOST users will get a $350 credit line. It also proceeds to explain that there is $75 annual fee assessed immediately so if you qualify for $350, then you will start out with $275 or $255 if you added an authorized user. How much clearer does it need to be? That totally spells it out. Also the people moaning about the 29% interest rate  can also see that on the form before they accept, as well. What do they expect? This is a card for people with poor credit.

The interest rate is going to be high. If they want a lower interest card, they can use this card responsibly to build their credit so they may eventually get a lowert interest card. That is the purpose of this card , and they have totally missed the point of this card if theymissed that point. It is a card that gives a person a chance to prove themselves when no other card is willing to do that. If they look at this as the opportunity it is, then they would understand the purpose and could use it as a stepping stone to better credit and thus a lower interest card someday. There are no hidden fees. Every single thing is spelled out in the invitation they received. Perhaps they need to learn the difference between reading and skimming!!

I had my card with First National since it was a Green Dot credit card. Yes, the interest is a little high because it's for high credit risk like I was. But with the card, I was able to improve my credit report to finance a vehicle again and negotiate for a credit card at a lower rate. I still use the card for "rainy days". Get good customer service. I don't know about the Legacy card but if it's like my First National credit card. Then, it's a good card in my book!

I am really not trying to pick on you but why are you posting a report on what "might" happen.  This is NOT a review site.  I guess if they are a "ripoff" you can at least have the satisfaction of knowing you already posted a report beforehand.

As I said I just responded to the offer,so I'm just going to see how this company does business.
I monitor my spending and accounts quite well now,so IF they try anything with me I will let you people know what that is.

I agree with your comments about credit in general and people not reading things they sign.  But this is Ripoffreport.com not "I am going to handle credit better.com"  So how exactly did this company Rip you off?