Sign up today for the Total Visa® Unsecured Credit Card which could help build or improve your credit. This card regularly reports to all three credit bureaus; with responsible credit usage and on-time payments, however, this card could either make or break your credit, so responsible usage is emphasized.
(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)
Compare credit card options:
- Chase credit cards
- American Express credit cards
- Wells Fargo credit cards
- Citi credit cards
- Capital One credit cards
The Total Visa® Unsecured is a perfect tool for people who have faced financial challenges and struggled to get credit in the past. Learn more about this card’s fees and features below!
Total Visa® Unsecured Credit Card Summary
| Bonus Available | No sign-up bonus available for this card |
| Ongoing Rewards/Benefits | No rewards and limited perks |
| Program Fee | See Terms |
| Foreign Transaction Fees | Not available |
| Annual Fee | See terms |
Recommended Free Credit Score (Get Free Score)
PROS
- No security deposit required
- Reports to all three credit bureaus
CONS
- More expensive than a secured card in the long run
- Limited on how you can use it
- Low credit limit
Total Visa® Unsecured Credit Card Features
- Checking account required
- Fast and easy application process; response provided in seconds
- A genuine Visa® card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit).
- Multiple card designs available
- Reports monthly to all three major credit bureaus
- Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment.
No Rewards & Limited Perks
The Total Visa card does not offer or include any rewards program. so as a cardholder you won’t get to enjoy other perks like account alerts or additional insurance. Not only that, it also doesn’t allow foreign transactions, so you won’t be able to use the card at all while traveling abroad.
So if you’re someone who wants to earn benefits, you should consider looking into other cards.
Total Visa® Credit Card Fees
The Total Visa® Unsecured Credit Card has a series of fees, including an account program fee for opening the account and a first-year annual fee. After your first year, your yearly fee drops. However, you’ll still have a monthly service fee.
Total Visa® Unsecured Credit Card Features
- Manageable monthly payments
- Reports monthly to all three major credit bureau
- Accepted by merchants throughout the USA and online
- Checking account required
Who Should Apply
Total Visa® Unsecured Credit Card accepts applications from people who are interested in looking for a true VISA® credit card that does not require perfect credit for approval. People who want a fast application process with a response provided in seconds. People who want reporting to all three credit bureaus.
Conclusion
The Total Visa® Unsecured Credit Card is available for those with fair, poor, or limited credit with a straight-forward application process and a quick response. Keep in mind that with the high interest rate, it’s recommended that you pay off your balances each month. Don’t forget to check out our complete list of Credit Card Promotions today!
(Visit the link above to sign up for the Total Visa® Unsecured Credit Card Review)
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
