What to Do When You Can’t Pay Your Legacy Credit Card Bill
For more than 50 years, Legacy has provides financial services to the residents of St. Clair, Blount, Walker, Chilton, Bibb, Shelby and Jefferson County Alabama. The Credit Union offers world-class customer service as well as products such as the Legacy credit card. As a pillar of the community, customers can expect the company to stand behind them when faced with financial hardships. Aside from assistance programs, the Legacy Credit Card offers the following benefits:
- No annual fee on select cards
- 24 hour customer service
- Low penalty fees
How to Pay the Bill
Do you want to make a payment on time in a quick and easy manner? Utilize the following services.
Pay online: Customers can pay your Legacy Credit Card bill online by visiting https://firstnationalcc.com/ApplySecured/info/ViewContract.aspx.
Pay by phone: Utilize the automated system or speak to a live customer service representative at 800-828-0103 to pay your bill by phone.
Pay in person: You can visit several locations in the surrounding area to pay your Legacy Credit card. The Legacy Credit Card payment locations are available on the website.
Automatic draft: Schedule bill payments directly from your bank account by using the automatic draft option. You will not incur late payment fees when utilizing this service.
Questions About Your Billing Statement or Account?
Do you have questions regarding your Legacy Credit Card account? You can either review the Legacy Credit Card Rates page or contact customer service at 800-828-0103.
How the Penalty Fees Work
The Legacy Credit Card charges customers the following service charges and fees based upon your credit history and timeliness of your bill payment.
- Card replacement- $25
- Over the limit- $25
- Returned payment- $25
- Late payment- $25
- Foreign transaction– 1% of the transaction amount
- APR – 8.90% to 12.90%
I Can’t Make a Payment
When you can’t make a timely bill payment to your Legacy Credit Card account, customers are expected to call a customer service representative at 800-828-0103. The representative will discuss all applicable payment assistance programs to return you balance to a current state. The available options include:
- Payment plans– The company places your past due balance on a payment plan. You will pay the past due balance over the course of several months.
- Extended due date– Change the date of your due date in order to fit the payment into your budget as well as avoid late payment charges.
- Credit Counseling – The company offers this service to customers so they can avoid the cycle of late payments and avoid penalty fees.
Will They Work With Me to Pay My Bill?
Although the Legacy Credit Card discloses all relevant information pertaining to your account, customers should be concerned more if the company provides assistance when you can’t pay your bill. If you needed assistance, did the company help or simply refer you to a credit counseling service? We want to hear your experiences dealing with the Legacy Credit Card.