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Although I am not able to access the Legacy credit card application directly, the Legacy Visa Card website did have a link to “credit card contracts” which I could view.

There were 6 different offers listed as of August 2014 and below is the pertinent information in each contract: If the Legacy Visa offer you received happened to be #1, that appears to be fair being that there’s no annual fee and an average APR.

Such opacity is usually a red flag that the company is guarding a secret (as in their products are crazy expensive and not a good deal).

With that said, First National Bank is a real, legitimate company based in South Dakota. Aside from that, I can’t really tell you much more about them since so little information is provided on their website, though other sub-prime lenders like First Premier, are based in that state.