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 things will be out of order. Pay earlier for cheaper interest; better yet pay all of what you spend that month so you never pay interest!
This reviewer shared experience about problems with payment and wants this business to read this review and look into the issue (if any). The author is overall dissatisfied with Legacy Visa. Reviewer wants customer support to reach out to him or her ASAP for further discussion of this matter.
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