First National Bank has a history and commitment to customers that goes back to 1934. Since commencing operations they have been proud of their tradition as a family-owned business and the connections to the communities they serve. Over the years they have grown, adding more locations and banking products, but always continuing to offer... show more
First National Bank Reviews
5
46%
4
16%
3
8%
2
4%
1
25%
3.5
106 reviews
from WalletHub and across the web
106 reviews from WalletHub and across the web
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Most Recent
Donald Faulknor
@faulknordonald
3 Star Rating
I feel there are some unethical things going on here. I use my credit card weekly and then pay it off completely on payday. Every week, my card has a $0.00 balance. They removed it from my credit report for having a $0.00 balance and a perfect payment history. This is the kind of stuff I WANT on my credit report. Credit utilization went up when they removed this card.
Product: First National Bank Credit Cards
Comment
androdizon
@androdizon
1 Star Rating
Online accounts are very limited; declined for credit increase after 2 years. Low credit limit of $600 will affect your credit utilization ratio. Wish I could just cancel this card.
Product: First National Bank Credit Cards
Comment
Merril
@spali18
5 Star Rating
Been with them a long time. Always helpful and considerate when speaking with them. They consider an increase every year, and I have received one.
Product: First National Bank Credit Cards
Comment
Tori wishon
@babygirl_nc89
1 Star Rating
This would be the last bank I would ever go to; they give you so much trouble. It's ridiculous! They don't know what's going on at all. You can't connect with someone who knows what they're doing, and most of the banks I've been to treat you like you're a nobody, even if you're a great customer. This place will take your money, run a dispute, and they're going to claim they never received it! I cannot wait until this is over so I can switch banks. Just save yourself a lot of time and heartache by going anywhere but here!
Product: First National Bank Checking
Comment
PRE SAM
@preya1982
1 Star Rating
This is a waste of a credit card. Even if you are desperate do not use this company. They have very poor customer service and refuse to be of any assistance. I closed my card.
Product: First National Bank Credit Cards
Comment
charles
@kimberlyhamlett71
1 Star Rating
This has been reported as fraudulent charges and should reflect as such on my report for creditors to see. This account should also have a negative balance as monthly payments were being made at the time the fraudulent chgs were being made
Product: First National Bank Credit Cards
Comment
mark
@grdchker58
4 Star Rating
I would like a higher limit ,then I could use the card more because if I go over my 30 percent utilization they take points . So only small purchases on this card I need 2 or 3 k then I could use it daily . Thanku
Product: First National Bank Credit Cards
Comment
sherell
@sherellh1
5 Star Rating
I really enjoyed having this Card & using it will recommend to others but would love to get a Credit Line Increase don’t have much more to say at this time
Product: First National Bank Credit Cards
Comment
caroline
@cmoonaspire
1 Star Rating
I make payments on their phone service and talk with a person. They charge my bank and then Clain no payment only to charge me a late fee. They have affected my credit score causing it to drop. This has happened 3 times I have never used the card this is all for their yearly fee. I am cancelling my account today.
Product: First National Bank Credit Cards
Comment
Chefphilip
@Chefphilip
5 Star Rating
Goid to have around to assist in credit building. High rate but that's expected with bad credit. Does have benefits to help raise credit score
Product: First National Bank Credit Cards
Comment
Mary
@maryhanewich507
5 Star Rating
This card had been helpful.i have been able to maintain monthly needed list of payment..they been very sociable and helpful when in a phone conversation
Product: First National Bank Credit Cards
Comment
Hondatyper_00798
@Hondatyper_00798
5 Star Rating
Great credit card to rebuild your credit. Started off at $350 and 6 months after at $600. Zero issues and I pay zero interest as I pay it in full every time.
Product: First National Bank Credit Cards
Comment
Michael
@Userfoxy1978
5 Star Rating
Excellent bank to have a credit card with. The best customer care I have delta with always there for you. First National is top Notch in my book....
Product: First National Bank Credit Cards
Comment
Darrell
@Calmcoolbrother
5 Star Rating
Waiting on credit limit increase. Good service. Have not had any issues with the card. Knock wood. Hopefully I can keep up the good habits.
Product: First National Bank Credit Cards
Comment
Christopher
@christopherw_175
4 Star Rating
I’ve had this since March 2021- pay off and never later - I received a notice in the mail recently that stated ‘Congratulations you’ve earned a credit line increase’ I was pleasantly surprised at the amount they increased it. These cards do exactly what they are designed to do, slightly expensive but worth every penny- I received an alert saying- milestone- your credit score is the highest it’s been in three year. Up 87 points.
Product: First National Bank Credit Cards
Comment
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First National Bank Q&A(9 questions)
Get answers to your questions about First National Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Upvotes
How do I apply for a First National Bank credit card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way to apply for a First National Bank credit card is to call your local branch and they will mail you an application. Alternatively, you can visit your nearest branch and apply in person. Unfortunately. there is no way to apply for a First National Bank credit card online.
Keep in mind that the First National Bank credit cards typically require at least fair credit for approval, according to customer service. If you don't know where you stand, you can check your credit score for free on WalletHub.
Upvotes
How do I get a Legacy Credit Card credit limit increase?
Reply
Sarah Bilkins, WalletHub Credit Card Analyst
@sarah.bilkins
You can get a Legacy Credit Card credit limit increase by calling customer service at (888) 883-9824.
To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income the issuer has on file. The issuer will be more likely to increase your credit limit if the revised income clearly shows that you can afford a...
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Upvotes
How do I get a Taz Credit Card credit limit increase?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can get a Taz Credit Card credit limit increase by calling customer service at (888) 803-6634.
To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income the issuer has on file. The issuer will be more likely to increase your credit limit if the revised income clearly shows that you can afford a...
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Upvotes
What's the starting credit limit for the Taz Credit Card?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The Taz Credit Card credit limit is $350 or more. Everyone who gets approved for Taz Credit Card is guaranteed a credit limit of at least $350,and the most creditworthy applicants could get much higher limits. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The Taz Credit Card credit limit that you receive upon approval isn't necessarily permanent. You can ask to get a credit limit increase by calling...
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Upvotes
do you offer a debit card
Reply
Upvotes
How long does it take to get a Legacy Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
It should take 10 to 14 business days to get a Legacy Credit Card after being approved.
If your card doesn't arrive within that time frame, then call customer service at (888) 883-9824. They'll be able to send you a replacement card if the original got lost on the way.
Upvotes
How long does it take to get the Taz Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
It should take 7 to 10 business days to get the Taz Credit Card after being approved.
If your card doesn't arrive within that time frame, then call customer service at (888) 803-6634. They'll be able to send you a replacement card if the original got lost on the way.
Upvotes
How can I pay my Taz Credit card?
Reply
John Miller, Credit Cards Moderator
@john_miller
The easiest way you can pay your Taz Credit Card is online, either from your account, or by using the mobile app for iOS and Android. But that's not the only way you can make a payment.
Here's How You Can Pay Your Taz Credit Card
- Account: Log in to your online account to make your Taz Credit Card payment.
- Mobile App: Use the iOS or Android mobile app to...
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Upvotes
What credit score do you need for a Taz Credit Card?
Reply
John Miller, Credit Cards Moderator
@john_miller
You can get approved for a Taz Credit Card even with a credit score of 300. The card was designed to help people rebuild credit, so it accepts applicants with bad credit, too. The Taz Credit Card, however, does not accept applicants with no credit.
You should note that while the credit score requirements are lenient, there are plenty of other things that will impact your chances of being approved for the card. Some...
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