There is almost no way to talk to a live person. All the "contact us" numbers go to recorded messages. It's as if they want you to close your account! And I did. I am greatly relieved to be done with them.
Im in the process of rebuilding my credit and are off to a good start in my opinion. I do have a lower score which is slowly improving. I was recently approved for the Discover It Secured card as well as a US Bank Secured Visa card. Both Discover and US Bank are really good banks and are harder to get approved for, I was approved for both recently so that clearly indicates that im doing something right. The First National Bank Secured Visa card is an ideal card to have, especially since it has no annual fee and the minimum deposit is only $300 and First National Banks website says this card is good for rebuilding credit which would be perfect for my situation however they denied me for this card. I submitted the online application and provided my banking info for the $300 deposit. An instant approval was not given and the application status showed as pending for about 5 business days which tells me that First National Bank most likely does a manual review of each applicants credit history and application. I received an email today indicating that a decision was made and for me to check the status online. I logged in and it stated that i was denied for the secured card and would receive a letter in the mail indicating the reason why. My advise is to not waste your time applying for this card. This bank in my opinion has very selective criteria even to be approved for a secured card. If anyone is in the same situation as me and is in the market for a secured card, I highly recommend the Discover It Secured card or a secured card by US Bank. Both banks and cards get 5 stars in my opinion. I hope this review is helpful.