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Home > Credit Card Directory > Visa > Total Visa®

Total Visa®

Total Visa® offers a credit card for people with “less than perfect” credit. Apply today and with the instant online decision, you may be approved in minutes. For people with a poor and/or limited credit history who are looking to improve their credit rating, this is a good option.

(0 votes)

Free 24-hour Online Account Access
Monthly Reporting to All Major Credit Bureaus
Fraud Protection
Outstanding Customer Service

Intro Rate	Intro Rate Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0.00%	N/A**	19.92 %*	Yes*	None*	Needs Improvement

Rebuild Credit with Total Visa®

With monthly reporting to the major credit bureaus and the ability to secure this card even with bad credit, the Total Visa® card is a good option for those bad credit cardholders who want to take their credit rating in a positive direction. By depositing money int the account and paying it off regularly, the Total Visa® is a good way to rebuild credit from the ground up.

Total Visa® - Fees and Interest Rate

Like other prepaid debit cards, there are more fees and a higher interest rate than cards for people with good credit. The card does have initial activation fees, as well as a monthly fee for transactions. However, this set-up is preferable to using a bank-issued debit card because a standard debit card cannot rebuild a credit rating in the same manner as paying monthly payments. While there are fees, these fees can work in your favor if they're paid off responsibly. The card has 19.92 interest rate, which is also common for this type of card.