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Total Visa credit card offers convenience, security and financial versatility for your users.
The Total Visa Credit Card is designed for individuals who need a straightforward way to rebuild their credit. With its easy application process and essential credit-building features, it’s a reliable choice for users looking to start over financially.
Total Visa
No hard credit check Fraud protectionHow Does the Total Visa Credit Card Work?
The Total Visa Credit Card offers a simple and accessible application process, with no hard credit check for pre-qualification. Once approved, users receive an initial credit limit of $300, which can increase with responsible use.
The card reports all payment activity to the three major credit bureaus, helping users establish a positive credit history. While the card includes high fees and a high APR, responsible use—such as making on-time payments and paying off balances in full—can help minimize costs and maximize its credit-building potential.
Main Benefits for the Total Visa Credit Card
The Total Visa Credit Card provides essential tools for credit-building, including regular reporting to major credit bureaus and no hard credit check for pre-qualification. Its accessibility makes it a strong option for individuals who have struggled to qualify for other cards.
While it lacks rewards or premium perks, its focus on credit-building ensures that users can improve their financial standing through consistent and responsible use.
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Cons for the Total Visa Credit Card
While the Total Visa Credit Card offers valuable credit-building features, it comes with high fees, including an annual fee, monthly maintenance fees, and a program fee. These costs can add up quickly, making it important for users to manage their spending carefully.
Additionally, the card’s low initial credit limit of $300 may be restrictive for some users, and the high APR emphasizes the need to pay off balances in full to avoid costly interest charges.
APR and Fees
The Total Visa Credit Card includes a high APR, an annual fee, and monthly maintenance fees. Users should carefully review the card’s terms and conditions to fully understand its costs and benefits before applying.
How to Apply for the Total Visa Credit Card
Applying for the Total Visa Credit Card is straightforward. Follow these steps:
- Visit the Website: Navigate to the Total Visa application page online. Click “Pre-Qualify Now” to start the process.
- Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income.
- Review Pre-Qualification Results: Check your approval odds without affecting your credit score.
- Complete the Application: If pre-qualified, complete the full application process, including paying the program fee.
- Activate Your Card: Once approved, your card will arrive within 7–10 business days. Activate it and start rebuilding your credit.
Final Thoughts
The Total Visa Credit Card is a practical option for individuals focused on rebuilding their credit. While it comes with higher fees and a low initial credit limit, its accessibility and ability to report to all three major credit bureaus make it a valuable tool for improving financial health.
For those ready to take control of their credit journey, the Total Visa Credit Card offers a straightforward and effective solution.
