Total VISA Credit Card Reviews for 2022

Total Visa Credit Card. If you’re looking for a quick overview, there are five things you really need to know about the Total Visa Card…

First, the Total Visa Credit Card is an unsecured card that people with limited or damaged credit can get. In other words, you don’t need to place a refundable security deposit to get approved.

Second, the Total Visa Credit Card is very expensive. For one thing, there’s an $89 “program fee” that you have to pay before even opening an account. Then, there’s a $75 annual fee the first year. Starting year two, there’s an annual fee AND a monthly fee, adding up to a total of $123 per year.

Third, the Total Visa Credit Card offers a credit limit of at least $300. That won’t cover too many emergency expenses, especially since the annual fee will be subtracted from your available credit initially.

You could have just a bit over $200 in spending power to start with. Plus, any balance that you carry from billing period to billing period will rack up interest charges at a REALLY high rate - above 30%.

Fourth, the Total Visa Card reports to all three major credit bureaus each month. That gives you the opportunity to add positive credit history to your credit reports and build a better credit score. Y

ou just have to keep your account in good standing. That means paying your bill on time every month and keeping your balance well below your credit limit.

Fifth, the Total Visa Card may be better than some of the alternatives if you’re in a bind and need to borrow. But if you just want to rebuild your credit, consider a secured credit card instead.

Those are the five key things you really need to know about Total Visa. You can learn more or apply for the Total Visa Credit Card online by clicking the button here.

If you want some more info first, I’ve got you covered there, too… For starters, a lot of people want to know whether the Total Visa Credit Card offers any rewards...

I’ve got bad news for you: it doesn’t have any. Few credit cards for people with limited or poor credit do. Another common question is whether the Total Visa Credit Card does a credit check when you apply?

Yes, there’s a hard inquiry into your credit history when you apply for the Total Visa Credit Card. This will likely cause a small, temporary decline in your credit score. But that would be the case with any credit card you apply for, so you should pick the card you go after carefully.

Similarly, does Total Visa guarantee approval for everyone, no matter how bad their credit history is? Unfortunately not. While applicants with bad credit are considered for Total Visa, no credit card offers 100% guaranteed approval. There’s always some sort of requirement you have to meet.

At a minimum, the Total Visa Credit Card has the following requirements: You must be at least 18 years old, be a U.S. resident, and make enough money to afford monthly bill payments. People who’ve applied also say you need a credit score of at least 550.

Finally, is there anything else worth knowing about the Total Visa Credit Card? One thing worth mentioning is that the Total Visa Credit Card sometimes runs a promotion where there are no cash advance fees for the first year your account is open.

But remember that cash advances have really high interest rates that apply right away, so it’s still best to avoid them. Another, probably less important detail, is that you’ll also have the opportunity to choose your card design from the Total Visa gallery.

With that, you should have what you need to make an informed decision about the Total Visa Credit Card. To learn more, and submit an application.

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