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The Total Visa credit card is agood option because it is an affordable credit card for consumers who want to build or renew their credit.
Approvals are simplified even for those with damaged or limited credit, and credit activity is reported to the three major credit reporting agencies (Equifax, Experian and TransUnion) to help cardholders.
The card requires no deposit, but does include an initial fee and an annual fee for activation and maintenance.
Total Visa is widely accepted in the US, but focuses only on credit repair, with no additional perks or benefits.
With its high APR, the Total Visa credit card is ideal for those who can avoid high financing costs and pay off the balance in full every month.
Total Visa
Designed for building Easy applicationHow does the Total Visa credit card work?
The Total Visa credit card is unsecured.This means that no deposit is required for approval, it’s a good differential.
The application process is quick and inexpensive and credit checks are simplified.Once approved, the cardholder must pay an initial activation fee to use the card.
The cards have an initial credit limit which is reduced after deducting an initial fee.
Owners can use it for everyday purchases, and all transactions and payments are reported to the main credit agencies, helping them to build a positive track record of on-time payments and responsible use.
Although Total Visa does not include any benefits, it is an effective tool for those who need to demonstrate responsible credit and ultimately qualify for cards with better conditions in the future.
Main benefits of Total Visa
One of the main benefits of the Total Visa credit card is its affordability.
It is aimed at consumers with a poor or non-existent credit history and does not require a deposit, making access to credit easier for those who cannot afford a large initial payment.
The card reports all activity to the three main credit agencies, allowing cardholders to build or improve their credit score through responsible financial practices.As
Total Visa is issued by the Visa network, it is widely accepted at thousands of establishments in the United States and offers flexibility for online and in-person purchases.
You will be redirected to the official website
Cons of Total Visa
Total Visa There are some disadvantages to the Total Visa credit card that you should consider.
The biggest disadvantage is the high fees, including an initial activation fee that must be paid before you can use the card.
Annual and monthly maintenance fees that increase the total cost of ownership of the card.
Another point is the high APR of 34.99%. This can result in hefty fees if you don’t pay off the balance in full every month.
In addition, this card does not offer any additional benefits such as rewards, cashback, insurance or purchase protection, which makes it a simple and unattractive option for consumers looking for additional benefits.
APR and fees
The Total Visa credit card has a fixed APR of 34.99%, one of the highest on the market, requiring cardholders to pay off their balances in a disciplined manner to avoid financial stress.
Other charges include:
- Initial activation fee: charged to activate your card after approval.
- Annual fee: usually around US$ 75 for the first year and US$ 48 for subsequent years.
- Monthly maintenance fee: Approximately US$ 6.25 per month from the second year of use.
These costs can initially significantly reduce the available credit limit and make the card more expensive than other credit restructuring options.
How to apply for the Total Visa
You can apply for a Total Visa credit card online on the issuer’s official website.This process requires basic information such as name, address, annual income and financial information.
Approval is quick and does not require a strict credit check. Once approved, the cardholder must pay an activation fee to issue the card. It will be sent to your registered address and will be available for use after activation.
Card management is managed through the card issuer’s portal, where cardholders can track transactions, set payment reminders and view available account balances.
To maximize your benefits, it is important to make payments on time and avoid exceeding your entire credit limit.
