The Total VISA® Credit Card is a solid choice for consumers who may have poor or limited credit.
What to Like
As this card regularly reports to all three major credit bureaus, responsible credit use and on-time payments are recommended. This Total Visa® Credit Card is accepted online and by merchants nationwide, and consumers with limited credit histories may qualify.
Look Out For
Like many cards that are geared towards those with poor or limited credit, the Total VISA® Credit Card has fees to keep track of and relatively high interest rates. Paying off your balance in full each month can help you avoid any unnecessary interest charges, but you’ll still need to consider the one-time processing fee, annual fee, and monthly servicing fee starting in your second year.