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Total Visa® Card

Total Visa® Card was ranked on Money.com as one of this year's top credit cards. Read more from nationally recognized credit card expert, Jason Steele or see if you qualify by clicking "Apply Now" below.
Best for
unsecured credit building
Our Partner
See Rates & Fees | Terms Apply

Total Visa® Card

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Intro Bonus
n/a
Annual Fee
See Terms
Credit Level
no credit to fair
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From
The Expert
Jason Steele
Why Apply?
Start rebuilding your credit without having to submit a security deposit. On-time payments are reported to the major credit bureaus and you can choose your own card design.
I Think You'll Love
Being able to open an account with poor credit and no security deposit.
Pros
  • Be approved with poor credit.
  • Improve your credit with on-time payments.
  • Payments are reported to the three major consumer credit bureaus. 
  • Choose your own card design.
     
Cons
  • Very high fees and interest rates.
  • Can’t be used at automated fuel pumps or outside the United States.
     
ABOUT THIS CARD

If you’re someone who has had very serious problems with your credit, it will be extremely difficult to get approved for a credit card without having to pay a security deposit. The Total Visa Card is one of the few standard, unsecured cards designed for applicants with poor credit. 
Applicants should be aware of all of this card’s fees. You will have to pay a $89 program fee and a $75 annual fee the first year. After the first year, the annual fee falls to $48, but there is a monthly servicing fee of $6.25, which works out to $75 per year. These fees are deducted from your initial credit limit. It also has a very high standard APR for both new purchases and cash advances. So when you use this card, you should always avoid interest by paying your balance in full with the card’s 21 day grace period. 

The Total Visa also reports to all three of the major consumer credit bureaus, so when you pay your bills on-time, it will add positive information to all your credit reports, and improve your credit scores. You also get to choose your own card design for no extra cost. 
 

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4 things informed consumers need to know:
  1. Get enough credit cards to keep the balance on each one below 30% of its limit.
  2. Pay on time, use cards sparingly and keep your accounts open.
  3. Don’t apply for too many cards at once. Do 1 today, again in 6 months, etc.
  4. More cards mean a wider variety of points and benefits.
Jason steele
The Expert
Jason Steele

Analysis is brought to you by nationally recognized credit card expert Jason Steele, who has appeared in publications such as:

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Details and conditions for each credit card offer are available on the online credit card application page. Our team makes reasonable efforts to ensure the information on our page is accurate, but this information is presented without warranty and some of the offers on this page may no longer be available through our site. You can click on the “Learn More” or “Apply Now” button for each credit card offer to continue to the issuer’s web site and review the terms and conditions on their site. Offers, details, and other information is subject to change, and the terms displayed may not be available to all consumers. ConsumersAdvocate has partnered with CardRatings for some of our credit card offerings. ConsumersAdvocate and CardRatings may receive a commission from card issuers.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.