Finding the right credit card can be challenging, especially when you’re working to build or rebuild your credit. The Total Visa Credit Card is specifically designed to help individuals with poor or limited credit history. With its straightforward application process, credit line reporting to all three major credit bureaus, and a unique rewards program, this card offers a pathway to better financial opportunities. But is it the right choice for you? Let’s explore its features, costs, and who can benefit most.
Why the Total Visa Credit Card Could Be Your Best Credit-Building Ally
Spend with Confidence Anywhere in the U.S.
The Total Visa Credit Card is part of the trusted Visa network, ensuring it’s accepted at millions of locations nationwide. Whether you’re picking up essentials at a local grocery store or shopping online, this card is designed to meet your everyday needs. Its broad acceptance provides the convenience and reliability you’d expect from a Visa product.
Build or Rebuild Your Credit Score Strategically
If you’re working to establish or improve your credit profile, this card can be a powerful ally. By making consistent, on-time payments and maintaining a low balance relative to your credit limit, you can steadily enhance your creditworthiness. Reporting to Experian, Equifax, and TransUnion ensures your responsible usage is reflected in your credit history, helping you pave the way toward better financial opportunities.
Earn While You Pay with Total Visa Rewards
The Total Visa Credit Card goes beyond credit building by rewarding you for your financial diligence. With the Total Visa Rewards Program, cardholders earn 1% cashback on payments made toward their account balance.
Points accumulate effortlessly and can be redeemed as statement credits once your account is in good standing for six months. This unique program turns payments into tangible rewards, keeping you motivated while fostering responsible spending habits.
Empower Your Finances with Advanced Digital Tools
The card’s robust mobile app, available for both iOS and Android devices, offers an array of tools to streamline account management. You can monitor your spending, set up payment reminders, and redeem rewards all in one place.
Users frequently commend the app’s intuitive design, which makes managing finances easier than ever. Whether you’re at home or on the go, the app ensures you stay in control of your financial journey.
Additional Perks That Set the Total Visa Card Apart
- Dedicated Customer Support: Reliable customer service ensures help is just a call or email away, addressing concerns efficiently.
- Fast Application Decisions: Most applicants receive a decision within minutes, streamlining the process for those eager to begin rebuilding their credit.
- No Credit History Required: The card is accessible even to those with no prior credit history, providing a starting point for financial growth.
- Statement Credit Rewards: Rewards are applied directly to your balance, making it easier to manage and reduce outstanding debt.
- Eco-Friendly Features: The digital-first approach minimizes paper usage with e-statements and online account management.
Key Considerations Before Choosing the Total Visa Credit Card
Who Can Apply for the Total Visa Card?
To apply for the Total Visa Credit Card, you need:
- A valid Social Security Number.
- An active checking account.
- To meet the minimum age requirement (18 or older, depending on your state).
Important Limitations to Keep in Mind
While the card offers valuable credit-building opportunities, it’s essential to consider its limitations:
- High Fees: The card has an upfront program fee, an annual fee, and a monthly servicing fee after the first year.
- Limited Usability: The card cannot be used at automated fuel pumps, for gambling transactions, or at merchants outside the United States.
- Low Initial Credit Limit: The starting credit limit is typically $300, which may be reduced by fees upon account opening.
- High APR: The card’s APR is higher than average, so carrying a balance can lead to significant interest charges.
Breaking Down the Costs: Total Visa Fees and Rates
The Total Visa Credit Card comes with several fees you should be aware of:
- Program Fee: $95 (one-time, due before account activation).
- Annual Fee: $75 for the first year, then $48 annually.
- Monthly Servicing Fee: None for the first year; $6.25 per month starting in year two.
- APR for Purchases: Variable, 34.99%.
- Additional Fees: Includes charges for late payments, returned payments, and optional services.
Understanding these fees is crucial to ensuring the card aligns with your financial goals.
Step-by-Step Guide to Applying for the Total Visa Credit Card
Applying for the Total Visa Credit Card is simple and secure. Here’s how you can complete the process in just a few steps:
Step 1: Start Your Application
Visit the official Total Credit Card website:
Click the “Apply Now” button. The secure online portal will guide you through the process:
Step 2: Enter Personal Information
Provide your legal first and last name, email address, and phone number. Confirm your details to ensure accuracy. You’ll also need to input your home address—P.O. boxes are not allowed, except for APO and FPO addresses.
Step 3: Verify Eligibility
Confirm that you have an active checking account and that you meet the minimum age requirement (18 years or older). These are essential to qualify for the card.
Step 4: Choose Your Card Design
Select from a variety of card designs. Opt for one of the free designs or choose a premium design for an additional $9.95, which will be billed to your account.
Step 5: Review Terms and Conditions
Carefully read through the terms and conditions provided. This includes details about fees, interest rates, and usage limitations. Make sure you fully understand the card’s features before proceeding.
Step 6: Pay the $95 Program Fee
Once approved, pay the $95 program fee to activate your account. This one-time fee must be completed to finalize your application.
Step 7: Download the Mobile App
Enhance your account management experience by downloading the Total Visa Mobile App, available for iOS and Android. Use the app to monitor your account, redeem rewards, and make payments conveniently.
By following these steps, you’ll be well on your way to using the Total Visa Credit Card as a reliable tool for building or rebuilding your credit.
Applying Through the Mobile App
- Download the App
- Search for “Total Visa Mobile App” on the App Store or Google Play, and install it on your device.
- Create an Account
- Use your email to sign up and set up a secure password.
- Start Your Application
- Enter the required personal and financial information directly within the app.
- Verify Your Details
- Confirm eligibility requirements and ensure all fields are accurate.
- Submit and Pay
- Review your application, submit it, and pay the $95 program fee for activation.
How to Get Help: Contacting Total Visa Support
If you have questions or need assistance, Total Visa offers multiple ways to reach their customer support team:
- Phone: Call 1-877-526-5799 for help with your account or application.
- Mailing Address: Send inquiries to Total Visa, P.O. Box 85710, Sioux Falls, SD 57118-5710.
- Website: Visit www.totalcardvisa.com for more information and account management tools.
Frequently Asked Questions About the Total Visa Credit Card
1. Does the Total Visa Credit Card help build credit?
Yes, it reports to all three major credit bureaus, helping you establish or rebuild your credit with responsible use.
2. How does the rewards program work?
You earn 1% cashback on payments made to your account. Rewards are provided as statement credits and can be redeemed once your account is in good standing for at least six months.
3. Are there any restrictions on where I can use the card?
Yes, the card is limited to domestic use within the United States and cannot be used at automated fuel pumps, for gambling, or at international merchants.
4. What happens if I close my account?
If your account is closed, any unredeemed rewards will be forfeited. Ensure you redeem all points before closing your account.
