I, like many of the others, applied for the Legacy Visa Card through First National Bank and have not been able to use the card due to declining at the checkouts. I thought at first that it was because I had an over the limit fee (my limit being $250) and started checking my statements when they came in. They have so many different fees and charges for services that I cannot take off the card nor have I been able to cancel the card.
I call the number on the back of the card and get a recording that states to call back during office hours or a the phone just rings and no one answers. If I do not pay my $30 payment each month, they call me to set up a payment and then send my a letter confirming my payment. However, each month I pay a little more than the fee, but my balance never goes below the $250 credit limit, which makes me have an over-the-limit fee of $29 each month. What is going on with this company? They have been making so much money off of me and I have gotten nothing in return!
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