Reviews
Total Visa® Card Review
Getting a credit card without a good credit score can be tricky. Follow this Total Visa® Card review and find out how it can be useful for you.
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No monthly maintenance fees for the first year!
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.
Applying for the Total Visa® Card: learn how!
The Total Visa® Card is very beneficial for anyone who needs to rebuild credit. Want to find out how to apply? Check it out here.
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!
- Credit Score: Bad/Fair;
- Annual Fee: $75 for the first year, then $48;
- Regular APR: 35.99%;
- Welcome bonus: No monthly maintenance or cash advance fees for the first year;
- Rewards: Earn 1% cash back as statement credits for each dollar you pay toward your Total Visa Credit Card bill.
How does the Total Visa® Card work?
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.
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Total Visa® Card pros and cons
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!
Pros
- Allows application by people without a good credit score;
- 1% cash back on bill payments;
- Mobile app available for account management;
- Issues good usage reports to the main agencies in the country: Equifax, Experian, and TransUnion.
Cons
- High fees such as annual, program, and monthly additional card maintenance;
- It does not offer a high credit limit;
- It has a high APR;
Does my credit score need to be good?
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.
Want to apply for the Total Visa® Card?
The Total Visa® Card review allows the application of any citizen with a credit score above 300. But to increase the chances of approval, it is essential to know how to apply.
Want to understand how the application works? Then check out the tips in this post to help you apply for this credit card option.
Applying for the Total Visa® Card: learn how!
The Total Visa® Card is very beneficial for anyone who needs to rebuild credit. Want to find out how to apply? Check it out here.
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