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Anonymous
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10-24-201508:01 AM
10-24-201508:01 AM
Re: Any Info on Legacy Visa Issued By First National Bank
I've just received this offer in the mail as well. I'm floating around the 600 range on all three credit reports right now and not sure if this would be worth it. I have Credit 1 and Merrick. I'd actually like to get rid of the Merrick because of the inconvenience of not being able to make online payments. Does anyone know if Legacy would be a good substitute for Merrick in that regard? Thank you. I'm fairly new to these forums so still studying all of the lingo.
Message 11 of 16
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ErikaC1
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10-24-201508:49 AM
10-24-201508:49 AM
Re: Any Info on Legacy Visa Issued By First National Bank
I have this Legacy Visa and the only issue I've had so far is that once I make an online payment with my cheking account it takes 12 days for it to be available. I only use it to reload my Starbucks app then pay in full. I will close it after the 12th statement. I received the Blaze card and First Savings offer in the mail after I got approved for the Legacy but one $75 fee while rebuilding is enough. I currently have 2 QS One MCs and several Comenity Store cards. I am going in the garden until 2017 due to inquiries in the 20's in all bureaus.
Message 12 of 16
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icyhot
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10-24-201509:39 AM
10-24-201509:39 AM
Re: Any Info on Legacy Visa Issued By First National Bank
I recieved one yesterday as well. My mother is a rebuilder and I wouldn't even recommend the card to her. Those really seem like bottom of the barrel offers IMO
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680
Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 13 of 16
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Anonymous
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10-24-201509:52 AM
10-24-201509:52 AM
Re: Any Info on Legacy Visa Issued By First National Bank
@Anonymous wrote:I've just received this offer in the mail as well. I'm floating around the 600 range on all three credit reports right now and not sure if this would be worth it. I have Credit 1 and Merrick. I'd actually like to get rid of the Merrick because of the inconvenience of not being able to make online payments. Does anyone know if Legacy would be a good substitute for Merrick in that regard? Thank you. I'm fairly new to these forums so still studying all of the lingo.
Merrick has online payment options, just go to their website and register for online banking. They also provide you with credit score from TU
Message 14 of 16
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Anonymous
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10-24-201510:19 AM
10-24-201510:19 AM
Re: Any Info on Legacy Visa Issued By First National Bank
No, not using a debit card they don't. You have to enter your routing and bank account info and I will not do that. Also takes a long time for them to apply the payment via that method. Credit One allows payment via debit card and it is applied the next day. That is what I'm talking about. It looks like Legacy has the same type of payment options. I'm going to pass.
Message 15 of 16
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injustifiiable
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10-27-201512:37 PM
10-27-201512:37 PM
Re: Any Info on Legacy Visa Issued By First National Bank
@Anonymous wrote:I've just received this offer in the mail as well. I'm floating around the 600 range on all three credit reports right now and not sure if this would be worth it. I have Credit 1 and Merrick. I'd actually like to get rid of the Merrick because of the inconvenience of not being able to make online payments. Does anyone know if Legacy would be a good substitute for Merrick in that regard? Thank you. I'm fairly new to these forums so still studying all of the lingo.
I have the Legacy card and do online payments via checking account. Payments get posted in a couple days and available credit is freed.
I'll be on my second year with it and will be dumping it at that point. It's done it's job.
Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680
In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 16 of 16
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