Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.

Rebuilding credit and improving your credit score can be a difficult task. However, this Total Visa® Card review will show you how to use this credit option to improve your financial condition.

This credit option is versatile and allows the application of those who have a bad or fair credit score.

Also, it reports good use and helps you have extra money for your purchases. Want to know more? Keep reading!

The Total Visa® is a credit card option that can be requested even by those with a bad or fair credit score.

It has a low usage limit of up to $300 and reports to major credit bureaus, helping to improve your rating.

However, the card has high associated monthly, annual, and APR fees to guarantee these services.

This Total Visa® Card review points out that the option is great for rebuilding credit. But it has pros and cons, just like every credit card.

With this option, you do not need a security deposit or a good credit score to apply. However, the associated fees for usage are high, and there is no possibility of a very high credit limit. Know more!

As you can see in this Total Visa® Card review, you don’t need a good credit score. The application can be made by any American citizen over 18 years old and with a fair or bad credit score.

In this sense, it is necessary to have a minimum FICO score of 300.

However, it is worth mentioning that the associated APR rate is high given the low credit score, which generates distrust of creditors.

The Total Visa® Card is a versatile and very useful option for rebuilding your credit score.

In this sense, it is not necessary to have a good credit score to apply, and you can enjoy having zero monthly maintenance fees in the first year.

The application is simple, fast, and easy, and you can apply online using any device with internet access, such as a computer or notebook.

It is essential to meet some requirements and have separate documentation. Find out how to proceed with your request.

To apply for the Total Visa® Card, you must be over 18 years of age and be a US citizen.

Start by filling out the application form at the official website with your personal information, including your full name, address, and email.

Once you’ve completed the form, carefully review the Terms & Conditions to ensure you understand the details of the card.

After reviewing and accepting the terms, submit your application and wait for the approval process to complete. If approved, you will need to pay the Program Fee to activate your card.

You cannot apply for the Total Visa® Card through the mobile app; the application process must be completed online on the official website.

However, once your account is set up, the mobile app provides easy access to manage your account on the go.

With the app, you can monitor your transactions, make payments, and stay on top of your balance, ensuring you have full control over your finances wherever you are.

Credit cards designed for low credit scores can provide additional funds for purchases. Plus, they’re great for boosting your score, rebuilding credit, and helping pay off some bills.

The Total Visa® Card, as we have seen here, does not require a good FICO score. You get a credit limit at reasonable rates and still have a good usage report sent to the main agencies.

Another interesting option is the First Access Visa® Card. It also serves people with bad or fair credit scores. Check out our comparison below!

And if you’re interested in knowing how to apply for the First Access Visa® Card, check out our post below to find out!