Total Visa
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The Total Visa® Credit Card is ideal for those with limited or poor credit, providing a simple way to build.
Total Visa
Designed for building Easy applicationWith a quick approval process and flexible credit requirements, this card provides a path to better credit for those who may have struggled to qualify for traditional cards.
Let’s explore how the Total Visa® Credit Card can help you take control of your credit journey.
Accessible Credit for All
The Total Visa® Credit Card is tailored to meet the needs of individuals working to improve their credit. With an easy online application and a fast approval process, this card is accessible to those who need a fresh start.
Unlike secured credit cards, the Total Visa® doesn’t require a deposit, but it does come with a one-time program fee and an annual fee.
These costs should be carefully considered when evaluating whether this card aligns with your financial goals.
Once approved, cardholders can use the card for everyday purchases, with the opportunity to demonstrate responsible credit usage by making on-time payments and keeping balances low.
Pros and Cons
Pros
- Easy application process with flexible credit requirements.
- Reports to all three major credit bureaus.
- No security deposit required.
Cons
- High fees, including a one-time program fee and annual fee.
- High APR for carried balances.
- No rewards or cashback program.
How Do I Know If the Total Visa® Credit Card Is the Best Credit Card for Me?
The Total Visa® Credit Card is ideal for individuals who are focused on building or rebuilding their credit and need a straightforward card to help achieve that goal.
If you’ve struggled to qualify for other credit cards and can commit to managing this card responsibly, it offers a practical way to improve your credit profile.
However, the card’s high fees and lack of rewards make it less suitable for those who are looking for additional perks or lower-cost options.
It’s best for individuals who value accessibility and are serious about improving their financial health.
Why Do We Like This Card?
We like the Total Visa® Credit Card for its accessibility and focus on helping individuals establish or rebuild their credit.
The lack of a security deposit makes it more attainable for those with limited funds, while the regular reporting to all three major credit bureaus ensures that positive payment habits are reflected in your credit score.
For individuals who need a second chance and are willing to manage the associated costs, the Total Visa® Credit Card provides a path to better credit opportunities.
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