There are tons of credit cards out there – but not many options for folks with poor credit, or no credit at all. There are a couple options, though – one of which is the Total Visa. Keep reading for our Total Visa Unsecured Credit Card review.
Total Visa Unsecured Credit Card Review – Basics
- For people with low/no credit
- Does not require a security deposit (unsecured)
- Does not earn rewards
- Initial credit limit of $225, with options to raise over time
- $89 one-time processing fee for starting your account
- $75 annual fee first year; $48 per year after first year
- $ 0 servicing fee first year; $75 per year after that
- $29 annual fee for additional card
Who is it For?
This card really only makes sense for folks who don’t have many other options. Even if you have poor credit, there are good odds of getting approved for this product. And because you don’t have to do a security deposit, the upfront cost is a bit lower.
With that said, the fees on this product are pretty brutal. See the full review below for more info.
Total Visa Unsecured Credit Card Review
This card has extremely high fees. In the first year you’ll be hit with the $89 initial processing fee, plus the $75 annual fee, for a total of $164. In the second year, you’ll have the $48 annual fee, plus $75 servicing fee.
Honestly, that’s too many fees for a card that only offers an initial credit limit of $225. You technically get a $300 initial credit limit, but the annual fee hits right away, reducing your available credit to $225 before you even get the card in the mail. You can see the full terms of this card here.
The big “perk” of this card is that it’s unsecured. There are other unsecured cards with better terms, however. Plus, you may be better off using a secured credit card anyways, particularly considering the high fees of this card.
Think about it this way: A secured card might require you to deposit $300 in order to get a $300 credit line. The money remains yours, locked in an account you can access later. With the Total Visa, you don’t have to make that security deposit – but, you have to pay $89+$75 up front in fees, money which is no longer yours.
For most people, a quality, low-fee secured credit card like the Discover IT Secured is a far better option.
Thanks for reading our Total Visa credit card review! Leave a comment if you have any questions.
FAQ
Is total credit card legit?
Quick Review: The Total Visa Card is an expensive unsecured credit card for people with bad credit. ... The Total Visa Card's credit limit is 0+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges.
What are the easiest unsecured credit cards to get?
Here are the easiest unsecured credit cards to get:Overall: Fingerhut Credit Account.Rewards: Credit One Bank® Platinum Visa®Small Business: Capital One® Spark® Classic for Business
Is Total Visa a secured credit card?
The Total Visa® Credit Card is a standard unsecured card issued by The Bank of Missouri that's designed for applicants who struggle to get approved for credit. Instead of paying a refundable security deposit, as you would with a secured card, you pay several fees that are not refundable.
What is an unsecured credit limit?
An unsecured credit card is a credit card that doesn't require a security deposit to be approved for the credit card or to get your credit limit increased, once approved. When people use the term credit card, what they are really referring to is an unsecured credit card.
What is MyCCPay?
MyCCPay.com is the portal of paying and managing the payments of the credit cards and the Total cards, Inc. will the service through which the work will be done. If your account is been managed by the MyCCPay than you need to look for credit cards with a lower amount of annual fee.
How do I pay my total Visa bill?
You can pay this online or by calling customer service at 844-206-4371. Find your approved application by searching with your birthdate and Application ID or email address. Then follow the instructions to pay the program fee.
How do I check the balance on my Visa card?
To check your account balance, make a payment, or for other general customer service inquiries, please call (844) 548-9721.
How can I access my Visa account online?
To sign up, go to Visa Online Access in NEFCUOnline and click on the link for “Transaction Alerts” (under the Account Services tab). What is Visa Online Access? Visa Online Access provides you with 24/7 secure access to your Visa credit card account information through NEFCUOnline.
Is Total Card Visa legit?
Review: Total VISA® Credit Card. Quick Review: The Total Visa Card is an expensive unsecured credit card for people with bad credit. Total Visa does not require applicants to place a refundable security deposit, but it does charge high fees, starting with an “program fee” that's assessed before account opening.
What are the easiest unsecured credit cards to get?
Here are the easiest unsecured credit cards to get:Overall: Fingerhut Credit Account.Rewards: Credit One Bank® Platinum Visa®Small Business: Capital One® Spark® Classic for Business
