First National Visa Credit Card - Avoid This Card
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 wasnโt Legacy that caused my credit score to not be where it should, Iโm a big boy I take responsibility , ) in order to build my credit back to where it should be, I donโt expect to be treated like a American Express Platinum member , with that being said this is the most difficult card to use and I believe itโs that way by design #1 you can only make two ach payments during a billing cycle or you have to call in , First RED FLAG a credit card company doesnโt want to make it easy for you to pay off your card or pay down your card to avoid the interest #2 Pay off you balance (maybe you going on a trip or maybe you just want to pay off the balance) Donโt expect to use the card for at least 10 days while they hold the funds. Look, I get it , in theory you could write a check or ACH withdrawal and jack up your card limit and then the check bounces .But seriously what your expose on a $350.00 card that you were charged $75.00 to open $625.00 MAX. and your a financial institution and its talking you 10 days to verify funds #3 75.00 Annually fee Nuff said I called and cancelled my account, They asked why, but didnโt bat an eye and closed the account Donโt get me wrong, they werenโt rude or talked down to me, the rep was pleasant I am not naรฏve I donโt think credit card companies care about you individually, nor do they have to or necessary should, but at the very base level they should provide a mutually beneficial financial environment they provide me with a service and in turn they make money , but this card is designed to assist you in failure
Reason of review: Problems with payment.
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