For customers with less than stellar credit one credit card option that customers can use to rebuild their credit score is the Total Visa Credit Card. Customers may have heard about this card via a letter they received in the mail or possibly via email but it’s a decent card for those serious about turning their credit around. The online application process is simple and quick allowing you to receive a decision on your acceptance within a few minutes.
Customers will need to visit (www.totalcardvisa.com) and complete the online application. You will need to enter your name, email address, physical home address, city, state, zip code, mobile phone number, and verify if you have a checking account. After finishing the rest of the application you will receive an instant decision. If approved for a card the card will have an initial credit limit of $300 depending on your credit history.
Customers are required to have a checking account to be accepted for the Total Visa. Another highlight of the card is there is an $89.00 processing fee to actually open your approved account and access your available credit line. Once the processing fee has been paid then you can begin to use your card anywhere Visa is accepted.
Other highlights from the Total Visa that customers need to be aware of is the annual percentage rate is 29.99%. There is a $75 annual fee for the first year and every year there after it drops to $48. A monthly servicing fee is also applied to customers credit cards which for the first year there is no charge but after the first year it’s $75 annually. If a customer requires an additional card there is a fee of $29 annually. Late penalty fees are accessed for late pays up to $37 including the same fee for returned payments.