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I only applied for this card because they sent me letter saying I was pre-approved. I was denied and it is an outright lie. Scam So do not apply online for this card, it will only ding your credit score and I did not get the card after all that. I was told that I will...
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I didn't like
  • Lack of concern
#1134005
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I have had the privilege of having an Legacy Visa and the company has been nothing but nice to me even waving some of my late fees. They did not have to do that and I have read so many bad complaints but actually it is a good card to start your credit fresh and you...
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4.4
I liked
  • Pretty good company so far
#1096849
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I contacted them, tried to make a half payment on July 27th, and said the rest would be received August 11th, the operator said I could not do that but I could make full payment on August 11th and it would put the account back to Good standing.Then August 2 turned me...
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Anonymous
Lisa

The reason most people apply for this card is to rebuild their credit history. If you qualify for this credit card, you are considered a high risk borrower. As such and unde...

1.0
#1085272
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Legacy Visa - Very curteous

Legacy Visa
#1126812
3.4
Details
They were ate vwry vuribp
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Legacy Visa - Lost pre approval #

Legacy Visa
#1121545
2.0
Details
Did not recieve it. Would like to please.
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Never Heard of Legacy Visa

Legacy Visa
#1082668
1.0
Details
A "company" called Premium Finance Solutions called (1-855-725-6781) & claims a company called Legacy Visa issued me a card & I owr a balance on over $900 & they are going to file suit. I have never had a legacy visa so all of their warnings are BS.
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Legacy Visa - Dead end card

Legacy Visa
#1078708
1.6
Details
This company will not give you a credit limit increase. 100% payment history , 10% utilization All of my other card companies give me increases periodically. My credit limit with this card is laughable compared to my other cards!! Legacy only wants customers for their annual fee. Customer service isnt friendly either. OKAY for people starting out. But not for me! closed my Legacy account
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I went through a bankruptcy and Legacy was the only company that would give me credit. The amount was minuscule ($300) - BUT I got regular increases every 6 months like clock-work. I have now been a card holder for 4 years, and keep using this card a lot (I never carry...
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5.0
#1046968
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I opened a Legacy Visa around 2013. I was just 5 years out of a Bankruptcy and ready to rebuild my credit with a new card. Legacy charged me a $75 annual fee and around 25%+ interest. I was ok with that as sub-prime rates were appropriate in the rebuilding stage. Since...
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1.4
I liked
  • Text messages
  • Low credit score able to get credit
  • Website
I didn't like
  • No response to phone calls
  • Slow payment processing
  • No credit line increases
#1044477
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Opened credit card and made first payment, bank statement shows the deduction and payee as Legacy Visa Payment but LEGACY does not show payment on account. Provided proof of payment from bank but LEGACY customer service supervisor told me I need document from my bank...
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Anonymous
Deanna

I have never had a problem. Actually have recieved 3 credit line increases. Very happy with this card

Anonymous
eric

I am legacy visa customer, Things are simply for this and any other credit company, pay on time, if possible, pay no more than 2 days before due date, do things on the right w...

1.7
#1021167
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Called Legacy to inquire about my card and the agent was rude *** ***. I received a credit increase denial letter that was a total lie. All they should have said was they don't give increases instead of sending me a lie. They said my debt to ratio was too high for an...
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Anonymous
Anonymous

Do how many day do I have to activate my card after I receive it

1.0
#1006098
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I applied and received a Legacy Visa a few months back trying to rebuild my credit. Paid the $75 annual fee upon arrival of the card. Made payments each month between $50 & $ 75 and always posts to my account as available credit the next day. This month I paid it off...
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Anonymous
Anonymous

Thanks for posting. I paid off the 255 balance and it's still showing 45 avail credit, I was panicking! Good to know they hold large payments. Ridiculous practice but at least...

#1005637
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This is a ripoff. I dont remember having this cause of a major stroke. I know mylimit was low. They got a collection to come after and they threated me on phone and then a had another stroke. Paying it off but i will.stop payments cause im not going to pay 5 times the...
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Anonymous
Mimi

Honey don't stress. They can't do anything other than put it on your report. I had this happen after a divorce years ago and got behind. Eventually, possibly next year they wi...

1.0
I didn't like
  • Threats to pay what i do not owe
#1004094
Reply to reviews
It was nice to receive this card in order to rebuild my credit & overall an easy experience. The only thing that infuriates me is that EACH time you log in to make a payment you have to provide the 3 numbers on the back of card & expiration date. I call the 1-800...
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2.4
#991014
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