Total Visa® Card
- 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.
- Very high fees and interest rates.
- Can’t be used at automated fuel pumps or outside the United States.
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.
