Total Visa® Credit Card Reviews

Approval Odds

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2.6 out of 5 stars
36 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

2.5 out of 5 stars

2.5 5

Most Helpful Positive Review

Jan 05, 2017
Excellent card to rebuild credit !
Anonymous Cardholder

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 !  , 

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Most Helpful Negative Review

Apr 07, 2017
Anonymous Cardholder

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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These reviews were written by current and former cardholders in the last year.

Sep 15, 2017
Avoid this card. PLEASE
aladytaling64 Cardholder

So I paid the $89.00 with my debit card. Now there's a hold on the account for 7 days and they won't activate it. Avoid my mistake and get a Credit One or Capital One card. This company is illegitimate and a fraud. PLEASE I implore you, they will do more to DAMAGE YOUR CREDIT then repair it. And the CSR PHONE NUMBER is incorrect. I had to do some research to get the appropriate contact info. The last for digits are 1157 for the phone number. Any other number and you'll be waiting for weeks for someone to answer. The first CSR assured me my card would be activated today. Called back TWICE and NOPE, now there's a hold. They are a fraud. Did some double checking and now I noticed they drafted 300.00 EXTRA DOLLARS OUT. They will RIP you off.

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Aug 20, 2017
Poor choice
Anonymous Cardholder

I got this card to help with building credit. All good, next thing they want processing fee of $89, okay they give you option of one, two or three month payments...spreading them out to be approx $26 a month for three month choice. Now I get the card and can't use the **** thing because I didn't pay upfront, but made arrangements to have bank drafts for the next two!

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Jun 24, 2017
They put the *** in Customer Assistance
Boomtastic Cardholder

Prepare to pay monthly fees, high interest rates and to be ignored if you try to contact them any way *other* than directly by phone (which is difficult at times). What you DO get though is a very low limit credit card that works in some places but not others (you can't use it at a gas pump, but you can use it inside to pay for gas .. WTF?) and it does report to all of the major credit bureaus. OH! Good luck trying to get a credit limit increase too. My best recommendation is to get this, keep it for a year and then get rid of it!!

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Jun 20, 2017
It is what it is, read the fine print
romboy Cardholder

So, I have this card currently as my credit was awful, 490 awful. I paid off my debts and student loans little by little and this was the first card that was offered to me. Yes, you must pay $89 to get the card, yes it has a $78 annual fee ($48 after the first year) and a $7 monthly fee, just to own the card which severely limits your $300 inital credit line. It really is awful, but it's a credit card that reports monthly and as long as you pay it on time (it's ok to keep a balance you just pay interest, but make sure to make a payment each and every month, even if it's the minimum) then your credit score will increase. I'm still working on improving my credit, but thanks to using this card, I was able to get approved for a Capital One (not Credit One) Quicksilver card and now I get cash back for using it!

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May 08, 2017
Great for now
HemiRyda Cardholder

I was approved with a 500 score. There is a processing fee you must pay before recieving card. So far I have had no issues. If you have a low score and want to rebuild your credit this card may be for you. 

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May 05, 2017
Always there
Anonymous Cardholder

Just that you get what you pay for. And It will build up your credit score if you use it the way your suppose to.

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May 02, 2017
I wish I could give zero stars
rupeirced3 Cardholder

This card has been incorrectly reporting a late payment on my credit for months. Their customer service department is horrible and they won't even send me to a manager to get this resolved. Stay away, its not worth it. 

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Apr 27, 2017
Anonymous Cardholder

Worst company to deal with.  They charge $75 a month late fee and refuse to change the due date to work with when you get paid.

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Jul 13, 2017

It's your responsibility to save your money when you get paid to pay your credit card and not blow it.
Does your electric co change your due date or is that late too?
Does the water co change your due date or just cut it off?

Jul 13, 2017

Here is an idea pay your bill!

Apr 26, 2017
Anonymous Cardholder

Scam, money grab, incorrect entries on credit report almost impossible to remove. So many fees. 

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Apr 24, 2017
Anonymous Cardholder

misrepreset card as credit card really just prepaid debit card

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1 Reply
Jul 13, 2017

That is an outright lie

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