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Any Info on Legacy Visa Issued By First National Bank

StruggleIsReal
Valued Contributor

Any Info on Legacy Visa Issued By First National Bank

Received a pre approval today for a Legacy Visa with a SL of up to $1500. The card is issued by First National Bank. It comes with a nice $75 annual fee. :/ Any info? Not taking, just curious.
Chase Freedom* Cap1 QS1* Cap1 QS1* Wal-Mart* Amazon* One Stop Plus* Avenue* Burke's Outlet* PayPal Credit* Fingerhut* Barclay Apple Rewards* Belk Rewards* Care Credit* Home Depot* Lowes
Message 1 of 16
15 REPLIES 15
Nixon
Super Contributor

Re: Any Info on Legacy Visa Issued By First National Bank


@StruggleIsReal wrote:
Received a pre approval today for a Legacy Visa with a SL of up to $1500. The card is issued by First National Bank. It comes with a nice $75 annual fee. :/ Any info? Not taking, just curious.

Apparently it's one of the better subprime CC's.

 

I got an offer from them too along with a so-so FNBO offer.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 2 of 16
jaylau17
Valued Contributor

Re: Any Info on Legacy Visa Issued By First National Bank

I've seen worse for subprime CC, but based on what you have already, it's a Legacy not worth remembering...

Better Balance Rewards - $1000 || Discover It (Joint) - $2000 || Better Balance Rewards #2 - $2100 || Wells Fargo Platinum - $2900 || Barclays Commence MC - $3700 || Better Balance Rewards #3 - $4000 || Amex SPG - $3000 || Discover It - $5000 || IHG Rewards WM - $5000 || Merrill+ VS - $5000 || Vantage West Connect Rewards VS - $5000 || Wells Fargo Propel Amex - $5100 || AARP VS - $7000 || Wyndham Rewards Visa - $7000 || US Bank Cash+ VS # - $7500 || Citi Dividend - $7600 || Citi Double Cash - $8000 || Sam's Club MC - $8500 || Chase Freedom VS - $8500 || Marriott Rewards VS - $9000 || Penfed Pathfinder Amex - $10000 || Quicksilver WMC - $10500 || US Bank Cash+ VS - $11500 || Amex Everyday - $12000 || Quicksilver VS - $23500 || Amex PRG || Total Credit: $150,400
Message 3 of 16
CreditCuriosity
Moderator

Re: Any Info on Legacy Visa Issued By First National Bank

Love the "Up to 1500" words..  I would say Merrick > Legacy > Credit 1 > FP..

Message 4 of 16
Imperfectfuture
Super Contributor

Re: Any Info on Legacy Visa Issued By First National Bank


@CreditCuriousity wrote:

Love the "Up to 1500" words..  I would say Merrick > Legacy > Credit 1 > FP..


Actually. I have that card, and was in 500s when approved, 750 starting limit.  Merrick, not so much.

 

however, as stated above, OP doesn't need it.  I am in primer territory, and when the 12th statement reports, it's gone, toast, cruncher, history, off the boards, etc,  (it's done it's job, and not recognized by many computer algorithms as sub prime).

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Message 5 of 16
StruggleIsReal
Valued Contributor

Re: Any Info on Legacy Visa Issued By First National Bank

Thanks for the information! Definitely didn't need or want, just curious! I guess if it's a better subprime, I'm moving in the right direction! Smiley Happy
Chase Freedom* Cap1 QS1* Cap1 QS1* Wal-Mart* Amazon* One Stop Plus* Avenue* Burke's Outlet* PayPal Credit* Fingerhut* Barclay Apple Rewards* Belk Rewards* Care Credit* Home Depot* Lowes
Message 6 of 16
kade6767
Contributor

Re: Any Info on Legacy Visa Issued By First National Bank

 I got the same offer. Also, one from Blaze and their MasterCard. All the same company. I actually sent back the pre-approved one for the Legacy just out of curiosity. They requested to verify my address for some reason. Came back with a card with a $1500 limit and the $75 AF. I'm actually contemplating accepting it since I can't get Capital One to raise my Quicksilver beyond $1250. Heck, I just got BoA to raise me from $1,000 to $4500 after only having the card 2 months. Maybe this is better than CapOne?

Walmart Store Card $5,000 Bank of America Cash Rewards $4,500 Chase Amazon Visa $3,000 Capital One QS1 $1,250 Macy's $1,600
Message 7 of 16
gdale6
Moderator

Re: Any Info on Legacy Visa Issued By First National Bank


@kade6767 wrote:

 I got the same offer. Also, one from Blaze and their MasterCard. All the same company. I actually sent back the pre-approved one for the Legacy just out of curiosity. They requested to verify my address for some reason. Came back with a card with a $1500 limit and the $75 AF. I'm actually contemplating accepting it since I can't get Capital One to raise my Quicksilver beyond $1250. Heck, I just got BoA to raise me from $1,000 to $4500 after only having the card 2 months. Maybe this is better than CapOne?


I had the card for 1 year when I started my rebuild then canceled it out. If you need another card and are unable to be approved from someone else then you might want to take it.

Message 8 of 16
betax
Valued Member

Re: Any Info on Legacy Visa Issued By First National Bank

I have the first savings MasterCard 350limit. 75 Annual fee. Had it a couple months no issues. Pre approved inventation by mail. if you have other cards like capital one I would pass on this. good if you need a positive trade line.
Message 9 of 16
Imperfectfuture
Super Contributor

Re: Any Info on Legacy Visa Issued By First National Bank


@kade6767 wrote:

 I got the same offer. Also, one from Blaze and their MasterCard. All the same company. I actually sent back the pre-approved one for the Legacy just out of curiosity. They requested to verify my address for some reason. Came back with a card with a $1500 limit and the $75 AF. I'm actually contemplating accepting it since I can't get Capital One to raise my Quicksilver beyond $1250. Heck, I just got BoA to raise me from $1,000 to $4500 after only having the card 2 months. Maybe this is better than CapOne?


Your line up is good enough.  My scores were low when pre approved.  I just cancelled after the 12th statement.  There is no redeeming feature for the annual fee.  No rewards, high apr.  It's a rebuilders card, and the CS will readily admit that.  They served their purpose, and are now dismissed from my portfolio. Smiley Very Happy

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Message 10 of 16
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