Total Visa – How to Apply
Looking for a simple card to rebuild or start credit? The Total Visa is a practical choice.
This unsecured credit card is tailored for individuals with less-than-perfect credit and provides a way to access a revolving credit line without requiring a security deposit upfront.
Total Visa
No security deposit required High APRHow does the Total Visa work?
The Total Visa Credit Card is specifically intended for consumers who have had credit challenges in the past or are new to credit.
Unlike secured cards, it doesn’t require a cash deposit to open the account, which makes it more accessible for many users.
Applicants undergo a quick and simple pre-qualification process that doesn’t impact their credit score. If approved, the user is offered a modest initial credit line—usually around $300—which can be used anywhere Visa is accepted.
Once activated, the card functions like a typical credit card: you can make purchases up to your limit and repay them over time, with interest applied to balances that aren’t paid in full.
Main benefits of the Total Visa
One of the standout features of the Total Visa is its accessibility. It’s open to applicants with low credit scores, which can be a lifeline for those struggling to get approved for other credit products.
The application process is fast and doesn’t involve a hard credit pull unless you choose to move forward after pre-qualification. This means users can check their eligibility without any risk to their score.
The card also reports to all three major credit bureaus—Equifax, Experian, and TransUnion. Responsible use, such as making payments on time and keeping balances low, can help improve your credit profile over time.
Since the Total Visa is an unsecured card, there’s no need to tie up cash in a security deposit, which allows you to use your available funds for other purposes while still working on your credit.
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Cons of the Total Visa
While the Total Visa provides credit access to many, it comes with several fees that may be a drawback for some users.
Upon approval, there is an initial program fee that must be paid before the card is even mailed out. This reduces the available credit right from the start.
There is also an annual fee, a monthly maintenance fee after the first year, and a relatively high APR, which can make carrying a balance expensive.
These costs can add up quickly, especially for users who rely on the card frequently or carry over balances.
Another limitation is the low initial credit limit. While it’s possible to increase the limit over time with responsible use, starting with a small line can make it difficult to keep your credit utilization ratio low, which is a key factor in building credit.
Finally, the card does not offer any rewards or additional perks, such as cashback or travel protections, focusing solely on credit access rather than benefits.
APR and Fees
The Total Visa charges a variable APR of 35.99%, which is considerably higher than most traditional credit cards. Because of this, it’s best to avoid carrying a balance from month to month to minimize interest charges.
The card also includes a one-time program fee of $89, which must be paid before receiving the card. There’s a $75 annual fee for the first year, which drops to $48 after that, and a monthly servicing fee of $6.25 (waived for the first year).
Late or returned payments may incur additional fees of up to $41, so timely payments are essential to avoid extra charges and potential negative impacts on your credit.
How to apply for the Total Visa
Applying for the Total Visa is quick and can be done entirely online. The process starts with a pre-qualification form that checks your eligibility without affecting your credit score.
If pre-approved, you’ll be invited to continue the application and pay the initial program fee.
Once the program fee is submitted, the card will be processed and sent to your address. Upon receiving and activating it, you can start using your available credit and begin working toward improving your credit score.
To increase your chances of approval, you should have a steady income and ensure all your information is accurate during the application. It’s also helpful to have a plan to use the card responsibly and pay your balance on time each month.
