What You Need to Know About Total Visa Credit Card
The Total Visa Credit Card is a credit card that offers individuals with less-than-perfect credit an opportunity to rebuild their credit history. This card is designed to help individuals withpoor credit scoresget back on track and improve their credit score. In this article, we will discuss what you need to know about the Total Visa Credit Card.
Features and Benefits
The Total Visa Credit Card comes with a few features and benefits that make it an attractive option for individuals with bad credit. The card has alow credit limit, which helps individuals avoid overspending and getting into debt. The card also reports to all three major credit bureaus, which allows individuals to improve their credit score by making timely payments. Additionally, the card comes withfraud liability protection, which ensures that individuals are not responsible for unauthorized purchases made on their card.
Fees and Interest Rates
It is important to note that the Total Visa Credit Card comes with a few fees and interest rates. The card has an annual fee of $75 for the first year and $48 for each subsequent year. The card also has a one-time processing fee of $89. Additionally, the card comes with a high-interest rate of 29.99% APR. It is essential to pay off the balance in full each month to avoid high-interest charges.
Application Process
The application process for the Total Visa Credit Card is straightforward. Individuals can apply for the card online by filling out an application form. The application form requires individuals to provide personal information, such as their name, address, and social security number. The card issuer will review the application and notify individuals of their approval status within a few business days.
Tips for Applying for a Credit Card
When applying for a credit card, it is essential to keep a few tips in mind. Firstly, individuals should check their credit score before applying for a credit card. This will help them determine which cards they are eligible for. Secondly, individuals should compare different credit cards and their features to find the best option for their needs. Finally, individuals should read the terms and conditions of the credit card carefully to understand the fees and interest rates.
Conclusion
The Total Visa Credit Card is an excellent option for individuals with poor credit scores who want to rebuild their credit history. The card comes with a few features and benefits, such as a low credit limit and fraud liability protection, that make it an attractive option for individuals with bad credit. However, it is important to note that the card comes with a few fees and a high-interest rate. It is essential to pay off the balance in full each month to avoid high-interest charges. When applying for a credit card, individuals should check their credit score, compare different credit cards, and read the terms and conditions carefully.
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