Company Overview
Legacy Credit Card is issued by the First National Bank. First National Bank is a subsidiary of the First National Bank of Nebraska. It is rated as the largest privately held bank in the United States with assets with $17 billion. The bank offers a wide range of financial services such as- personal banking, business banking, credit cards, mortgage, insurance and more. First National Bank is headquartered in Omaha, United States. The First Bankcard is a subsidiary of the financial services provider.
Overview of the Legacy Credit Card
The Legacy and First National Bank Visa Credit Cards are made to fulfill your everyday credit requirements. The credit card is available to those who have received the invitation offer. It requires good credit for approval. The credit activity of the credit card holder is reported to all the major credit agencies. Legacy Visa Credit Card comes with a full line of rewards and ease of usage. You can use it for making payments at restaurants, shopping centers, departmental stores and everywhere where Visa is accepted.
Benefits of the Legacy Credit Card
- Legacy Visa Credit Card has no hidden fee as well as no penalty APR. Hence, you can save extra charges when you fail to make payment before the due date.
- It offers you fraud coverage. Therefore you are not liable for lost cards or any other fraudulent activity.
- Cardmembers are enabled a 24×7 online access to their credit card account.
- It lets you have total control over your purchases.
Legacy Credit Card Rate and Fee
- The credit card has an annual fee of $75.
- APR rate for the Legacy Visa is 29.9%
- Minimum payment is a minimum of $30.
- Late payment fee amounts to $25.
- 2% or a minimum of $20 is charged for cash advances.
- If you add an authorized user you have to pay a fee of $20.
Legacy Visa Credit Card Review
Pros
Good for Low Spenders– Legacy Visa Credit Card is a few advantages. Nevertheless, of fact, it is a decent deal for ones who do not have high spending habits. If you wish to have a financial backup of your everyday expenses then you can apply.
No deposit– Although the credit card targets a group which has excellent credit, it requires no initial deposit. Unlike a secure credit card, you have to pay no deposit at the time of approval. Thus consumers who wish to pay no deposit can find it a handy deal.
Cons
No Application Procedure– the Legacy Visa Credit Card has restricted liability. Hence, you need to receive a mail invitation to apply. This is a great drawback, as people who have not received the offer cannot get the card inside their wallet.
High Fees– The credit card charges a high annual fee as well as late payment charges. These might burn a hole in your pocket and stop you from accepting the mail offer. Furthermore, you can say that the credit card comes to shower you with debt upon activation.
Unresponsive Customer Service– As per customer reviews the customer help desk of the Legacy Credit Card is not quick and prompt. Users face a lot of trouble that is turned a deaf ear by the company. As per the review forum the website malfunctions often and the support lines are busy.
Credit Requirements
- You must have excellent credit to get the Legacy Credit Card invitation offer.
- One should be a resident of the U.S with a valid SSN.
Accept Legacy Visa Credit Card Mail Offer | Legacy Credit Card Application
Step 1– If you have received the pre-approved offer or the Legacy Visa Credit Card invitation you must visit the application page. firstnationalcc.com
Step 2– Next you must provide the reservation number and access code in the white boxes. Click ‘Continue’ and you are ready to go.
Step 3– The user can complete the procedure as shown on the screen to get the credit card.
Check Application Status
If you have accepted the Legacy Credit Card application invitation you can check the progress of your credit services by calling on 605-782-3391.
Legacy Credit Card Activation
Step 1– Received the credit card? You can activate it for use by visiting the account activation page.
Step 2– Provide the following data to activate card:
- Account Number
- Expiration Date
- Card Security Code
- Last 4 Digits of SSN
How to Log into the Legacy Visa Credit Card
Step 1– Existing credit card customers can simply open the login page to manage the account. firstnationalcc.com
Step 2– Enter the user name and password in the white boxes to access your Legacy Credit Card account.
Forgot Username or Password
Forgetting login credentials is quite common these days. If you are unable to recall your user name or password then no need to worry. Here is a guide.
Step 1– Click on the link reading “Forgot User Name or Password?” found on the login page of Legacy Visa.
Step 2– Complete the security verification procedure then the bank will let you select new credentials.
How to Enroll
Step 1– For new user registration or setting up online account access goes to the enrolment page.
Step 2– Enter your Legacy Credit Card account number, card information, and SSN to proceed.
Legacy Credit Card Payment
The credit card company offers convenient bill payment options. You can pay credit card bills online or through the mail. Read the guide below for deep insight.
Pay Online
In order to pay Legacy Credit Card bills online sign into your online banking account.
Once logged in, find the ‘Payment’ tab and fill in the required data. Now you can pay using your checking or savings account.
Pay via Mail
Customers of the Legacy Credit Card can send their paycheck to the address below:
LEGACY VISA
PO Box 5097
Sioux Falls, SD 57117-5097
Conclusion
At the closure, we consider the Legacy Credit Card as an average deal. The credit card has more drawbacks than advantages. Yet you can glance at the review provided above for more information on the Legacy Visa Card. Customers who have received the invitation in the mail can accept it if they find the credit card users.
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