Credit Cards
Total Visa® Card review: 1% cashback on every purchase
Total Visa® Credit Card is an excellent solution for individuals with less-than-ideal credit! Start earning cash back on your everyday purchases and discover more by reading on!
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Looking to reestablish your credit score? The Total Visa® Card could be your lifeline!
Whether you’re battling poor credit or just starting your credit journey, the Total Visa® Credit Card might be an ideal option for you. Take a step towards rebuilding your credit and get 1% cash back on purchases.
Delve into our comprehensive Total Visa® Credit Card review to learn more!
This particular card breaks the norm and does not require a refundable security deposit for approval. However, be aware of its high associated fees. Here are some key features and benefits you can expect:
Credit Score: Suitable for those with bad to fair credit; Annual Fee: $75 for the first year, then $48 annually; Purchase APR: A high 35.99%; Cash Advance APR: 35.99%; Welcome Bonus: None offered; Rewards: Enjoy earning 1% cash back on purchases.
Arm yourself with this information and make an informed decision that fits your credit needs. Total Visa® Credit Card could be the tool you need to turn your credit score around!
A Brief Overview of Total Visa® Card
Are you looking to build or rebuild your credit score? Then Total Visa® Card could be your ideal option! With an initial credit limit of $300 and an impressive rewards program, it offers a unique opportunity to earn while you spend, granting you 1% cash back on purchases.
After maintaining your account for at least a year, you have the privilege of requesting a credit limit increase. As a widely accepted Visa card, it comes packed with an array of exclusive Visa benefits, giving you the best possible credit card experience.
The Total Visa® Credit Card aims to give you the maximum return on your spending, providing a rewarding credit journey!
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The two sides of the coin
While it can be difficult to dissect these features, we have simplified this task for you. Here’s a quick rundown of the benefits and drawbacks of the Total Visa® Credit Card:
Pros:
- Qualify even with limited credit history;
- No requirement for a security deposit;
- Your payments are reported to all three major credit bureaus;
- Enjoy your earned points with no expiration.
- Benefit from Visa’s widespread acceptance;
- Earn 1% cash back based on payments to your Total Card Visa account;
Cons:
- Annual fee is charged.
- Annual fee is applicable;
- Potentially high APR;
- A one-time fee of $89 is charged;
Compare these features and decide whether the Total Visa® Credit Card is the right choice for your financial journey!
Eligibility Requirements
The Total Visa® Credit Card is designed for individuals looking to establish or rebuild their credit, making it accessible to those with low or fair credit scores.
However, meeting certain eligibility criteria is essential to increase your chances of approval. Below are the key eligibility requirements:
- Minimum Age Requirement: Applicants must be at least 18 years old (or the legal age in their state of residence).
- U.S. Residency: Must be a U.S. citizen or permanent resident with a valid Social Security Number (SSN).
- Verifiable Income: A steady source of income is required to demonstrate the ability to make monthly payments.
- No Pending Bankruptcies: Individuals with an active or pending bankruptcy may not qualify for approval.
- Valid Checking or Debit Account: A checking account or debit card is necessary to pay the required $95 program fee before activation.
- Credit History: While applicants with poor or limited credit may still qualify, approval is not guaranteed. The issuer considers various financial factors when making a decision.
Before applying, potential cardholders should carefully review these requirements and ensure they can manage the fees and high APR associated with this credit-building card.
Apply for the Total Visa® Card: Online
Applying for the Total Visa® Card is a simple and straightforward process that can be done online. Here’s a step-by-step guide to help you through the application:
- Visit the official website.
- Fill out the form: Complete the online form with your personal information, such as your name, address, and contact details.
- Provide financial information: Enter your financial details as required, including your income and employment information.
- Review the Terms & Conditions: Take the time to carefully review the Terms & Conditions of the Total Visa® Credit Card to ensure you understand the card’s features, fees, and responsibilities.
- Submit your application: Once you have reviewed all the information and are satisfied with your application, submit it for review.
- Await the decision: You will receive a response regarding your application status in a timely manner. If approved, you will need to pay a one-time program fee of $89.
Apply for the card: Mobile App
Although the Total Visa® Credit Card does not have a dedicated mobile app for the application, you can easily manage your card after approval using the Total Card mobile app.
The app allows you to conveniently monitor your credit score, check your account balance, make payments, and access other important features to stay in control of your finances.
Total Visa® Credit Card versus OpenSky® Secured Visa®
If you’re deciding between the Total Visa® Credit Card and the OpenSky® Secured Visa®, the key difference lies in security deposits vs. fees.
The Total Visa® is unsecured, meaning no deposit is required, but it comes with high fees and interest rates.
In contrast, the OpenSky® Secured Visa® requires a refundable deposit but has lower ongoing costs and no credit check for approval.
If avoiding upfront costs is your priority, Total Visa® might appeal to you, but if you prefer a more budget-friendly credit-building option, OpenSky® could be the better choice.
Check out our full review to compare both!
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