Total Visa® Credit Card

Sorry, this offer is no longer available on Credit Karma.
  • 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
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Annual Fee:
See Terms*
Purchase Intro APR:
N/A
Purchase Regular APR:
See Terms*
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms*
Cash Advance Fee See Terms*
Late Fee See Terms*
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee N/A
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Excellent card to rebuild credit !
by Anonymous
Helpful to 11 out of 11

I read all the reviews on the different secured cards . I came across the total card that didn't ask for a deposit ! Granted the percentage rate is pretty high at 30% ,but it's been an excellent credit rebuilder so far . I've had this card for two months and my credit scores have gone up by 100 points , no lie . I still have a lot of work to do and wait for some of my paid off collection accounts to fall off my reports, and I will be well on my to rebuilding my ruined credit !  , 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Anonymous
TOTAL CARD VISA WASTEOFTIME
by Anonymous
Helpful to 26 out of 27

I have had this card for a year I used it to reestablish my credit. When I applied for the card my credit score was at about 560 and awarded a $400 credit limit, which was a enormous blessing. I've had the card for about a year and have always made my payments on time and more than what was due monthly; I am a 31 year old female, salary $55,000 a year and my credi score is 607 (clearly working on it still) its's taking time; After a year of having the total visa card I received a email stating congratulations you qualify for a credit increase, coincidentally I recently applied for one already; I contacted customer service to check the status of the credit increase was advised from the representative "congratulations" we have increased your limit by $50.00. $50.00!! that is horrific. Please don't waste your time. On a positive note if you are working on your credit a good card is Merrick Bank my credit score at the time was 580 and I was awarded $500 after 6 months I was provided a credit increase of $600.00, try this one, downfall of Merrick bank high interest rates but its good to build your credit, also try Capital One initial credit limit $500 when I was at a 560 score lower interest rates. Clearly I have quite a bit of credit cards and I am trying to get rid of them, the goal is to have one card with a NICE limit. Currently, although I'm at a 607 for a credit score I just paid all my credit cards about 2 weeks ago, my credit card bills are paid down to $0 which were originally a balance of $3,000, credit karma states I should be at 663 (fair credit) once my credit updates so lets see!! I hope so!! Whomever reads this..I wish you all well on building your credit:)

 


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2017 through November 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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