Total Visa – How to apply

By Raquel Oliveira • 04/11/2025

Total Visa Credit Card is designed who are working to rebuild their financial history.

The Total Visa Credit Card is designed for individuals who are working to rebuild their financial history. With a simple and accessible application process, it offers a second chance to take back control of your credit profile responsibly.

While the card charges upfront and monthly fees, these costs can be seen as a necessary investment toward achieving financial stability. Building a stronger credit history often requires commitment, and responsible use of this card can help unlock better opportunities.

One of the key benefits of the Total Visa Credit Card is the opportunity to establish consistent payment habits and manage your finances more carefully. Over time, this behavior contributes to improving your credit score and strengthening your financial foundation.

In this article, you’ll discover how the Total Visa Credit Card works, its primary advantages, potential drawbacks, and how you can easily apply. If you’re ready to make a positive change in your financial life, this card may be a valuable tool.

How Does the Total Visa Credit Card Work?

The Total Visa Credit Card is designed to offer credit access to individuals with limited or poor credit history. The application process is simple and doesn’t require a perfect credit score, making it accessible to a wide range of users.

Once approved, cardholders can use the card for everyday purchases. The card reports payment activity to all three major credit bureaus—Equifax, Experian, and TransUnion—ensuring that responsible use positively impacts your credit profile.

The card comes with a one-time program fee that must be paid before the account is activated, as well as an annual fee.

While these costs are higher than some alternatives, they provide an opportunity for individuals to start building credit without the need for a security deposit.

Main benefits of Credit Card Total Visa

• Quick and easy access: One of the biggest attractions of the Total Visa is its inclusive approach. It is designed for people with a credit history is limited or damaged, allowing that may be approved without the need for a high score.
• Improvement active credit history: All payments made with this card are reported monthly to the major credit bureaus, which helps users build up a better credit score with responsible use.
• Global acceptance: The card is accepted at millions of merchants worldwide, which makes it a convenient option to make daily purchases, and manage expenses.
• Financial management simplified:it Includes a mobile application intuitive which allows holders to review your transactions, make payments and manage your account from anywhere, promoting a financial management efficient.
• Protection against fraud: The Total Visa provides additional security to ensure that every purchase is safe, providing peace of mind on every transaction.

Cons for the Total Visa Credit Card

While the Total Visa Credit Card offers accessibility, it comes with some drawbacks. The card’s high fees, including the program fee and annual fee, can make it a costly option compared to other credit-building alternatives.

Additionally, the card doesn’t offer rewards or cashback, limiting its appeal for those seeking added value beyond credit-building.

The high APR also makes it less suitable for individuals who plan to carry a balance, as interest charges can quickly add up.

Dues and fees of the Card Total Visa

It is essential to understand the fees associated with this card before applying. Some of the costs include:

• Initial charge: An amount that is only necessary to activate the card.
• Monthly fee: for A recurring fee to keep the account active.
• Rate of interest: Although it may be high, you can avoid interest if you pay your balance in full each month.

While these fees may seem like a drawback, should be considered as an investment to improve your credit history. The responsible management of the card helps to mitigate these costs, allowing the benefits outweigh the disadvantages.

What is the Credit Card is suitable for you?

The Total Visa is ideal if you are looking for a practical solution to rebuild your credit. It is specifically designed for people with a credit history is limited or negative, offering a pathway to restore its financial position.

Although it includes start-up fees and monthly, its ability to report your payments to the credit agencies can result in a significant improvement in your score over time.

If you use the card responsibly, you will pay your balances on time and avoid interest unnecessary, maximizing the benefits of this financial tool.

How to apply for Credit Card Total Visa?

Apply for the Card Total Visa is a quick and easy process that can be completed online in just a few minutes. Follow these steps:

1. Access the official website: Go to the official portal of the Total Visa and select the option to start your application.
2. Complete the application form: Provide your personal information, such as full name, address, email address and financial details basic.
3. Make the payment of the initial fee: To activate your card, it is necessary to pay an initial charge. This payment can be made online and it is a requirement to move forward in the process.
4. Review and approval: once you have completed your application, you’ll receive a quick response on approval. You do not require a credit score perfect, which facilitates the access to this card.
5. Activation and use: After approval, you will receive your card by mail. Then you should check it using the instructions provided and begins to use it to improve your credit history.

This process has been designed to maximize the accessibility, ensuring that even people with a history of financial complicated to get a credit card functional.

Conclusion

The Credit Card Total Visa is a great option for those who need to rebuild their credit. With a request accessible, global acceptance, and report monthly to the credit bureaus, provides a valuable opportunity to regain control of your finances.

If you’re ready to take the next step towards financial health more solid, it asks for the Card Total Visa today. With responsible use, you’ll be on the path toward a financial future more stable and positive.