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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 wasnโ€™t Legacy that caused my credit score to not be where it should, Iโ€™m a big boy I take responsibility , ) in order to build my credit back to where it should be, I donโ€™t 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 itโ€™s 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 doesnโ€™t 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) Donโ€™t 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 didnโ€™t bat an eye and closed the account Donโ€™t get me wrong, they werenโ€™t rude or talked down to me, the rep was pleasant I am not naรฏve I donโ€™t 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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