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1.5 Based on 6 reviews
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  • Customers like
    • Low credit score able to get credit 1
  • Customers don't like
    • Quality of service 3
    • Scam artist 1
    • Threats to pay what i do not owe 1

Lost my card for the first time in like 10 years that I've had the car when I called they close the car down stated that I old them a past due bill which my bill was current and then wouldn't give me my account number stating that they couldn't give out that information over the phone after they took my dog for a nap and now I don't have a car I don't have an account number so I can update my car I don't get it Read more

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I paid the annual fee because my credit needs help. I paid this in March. The FIRST time I try to use the card in May, it is DECLINED! Why? Fraudulent use that they were aware of but had not contacted me about yet. Fast forward to Aug. 10th....charges are still on my card, card that I PAID an annual fee for can't be used and there is NO resolution. I call all the time and every time I call, another THIRTY days is getting added to the... Read more

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I have called Customer Service at BOTH numbers (888-883-9824 and 888-530-3626 NUMEROUS TIMES and all I got was a busy signal. I couldn't even activate my card because of this. (That's a good thing, because I have no desire to make use of this card.) Perhaps they sensed that the purpose of the call was to cancel the card due to the fees incurred for a paltry $350 credit line! Imagine a $75 user fee for such a meager credit line! If I had gotten... Read more

Was this review helpful? 2 2

Don't even call that number to see what details are. Stay away. *** artists ruining people's credit..

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I've had the card for about 2.5 years now and maintained good payment history with the exception of one late payment. I got this card when my score was pretty low (mid 500) and I really needed a credit card. My first time seeking a credit line increase with this company I was denied. Years of fixing my credit I achieved and still maintain 717 Equifax, 725 TransUnion (the bureau they used), 717 Experian (See Picture). They sent me a letter today... Read more

Was this review helpful? 1 6

I have had my Legacy card for about 5 months now. My first payment was paid after hours on the due date and I was charged the $35 fee. I call them and brought attention to it and they gladly took the fee off and credited my account. I haven't had any issues with the company as of yet and its showing on my credit report. You have to pay your payments on time if you want to get ahead with credit cards. If you pay on time there is little worry that... Read more

Was this review helpful? 4 7

All these posters saying they were scammed didn't read the application, I worked for Legacy Visa and nothing is a scam.. Its for people that need credit.. We are NOT Premiere either.. Learn how a credit card works before you apply and pay on time and you have nothing to worry about. Nothing they do is illegal and NOBODY claims to be a lawyer or cop. You are just making it up because you didn't pay your bill probably. All the calls are... Read more

Was this review helpful? 12 3

I received a call from a collection agency claiming I owe Legacy Visa over $700. The only I got them to back off was to have a lawyer call them. I thought this was the end of it, but a few weeks later I got another call from another collection agency. Again, I had to get my lawyer involved to get them to cease and desist. Yesterday, I got a voice-mail from yet another collection agency, this time threatening my job, home and bank account. What... Read more

Was this review helpful? 4 5

I had returned my offer, voided the application, and told them, that they insulted me. I have an American Express Green Charge Card, 2 Cap one’s MC’s, Visa Credit One Bank, a First National Bank of Omaha-Visa, no fees and 19.99% Interest with $1500 limit. with only a TU score of 618. Knowing, these people are the same family of the First Premier MasterCard Clan, try to lure me in, several times. This time, I decide to answer them, and use the... Read more

Was this review helpful? 3 6

No surprise, if your applying for a Legacy Visa, its more out of necessity and not out of choice, and truthfully I have no problems with paying a higher interest rate or even jumping through a few more hoops, (it wasn’t Legacy that caused my credit score to not be where it should, I’m a big boy I take responsibility , ) in order to build my credit back to where it should be, I don’t expect to be treated like a American Express Platinum member... Read more

Was this review helpful? 8 2
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