Total VISA Unsecured Credit Card
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The Total VISA Unsecured Credit Card is a card for someone who has few, if any, other options when it comes to credit, but who can’t fathom opening a secured credit card. Still, the Total VISA carries a double-whammy of high fees and a high annual percentage rate.
When you have poor credit, your choices can be limited. But if you’re savvy enough to read a review of this card, then you’re smart enough to understand why you shouldn’t get this card. The thing is, you can do better, much better.
Although this card is easy to get approved for, the exorbitant fees and high APR make it a terrible pick. You’re charged a fee to open the account, an annual fee and a servicing fee. If you’re serious about trying to rebuild your credit, choose another card that won’t ding you for every little thing.
Who should get this card
Anyone who does not have good credit, wants fast approval for a card and doesn’t mind paying a lot of fees for card ownership should consider this card.
Fees and APR
- There’s a one-time processing fee when you open the account.
- See terms for annual fee information.
- There is an annual servicing fee in addition to the annual fee. See terms for more information.
- Late payments won’t affect your APR but you will have to pay a fee.
Extras and perks
If you have paid your balance on time for at least six billing cycles, you can request a higher credit limit.
You can personalize your card with a choice of six different designs.
How this card compares
We give kudos to the Capital One Secured MasterCard for not charging an annual fee and being one of the only secured cards that potentially lets you deposit less than your credit limit.
If you can’t afford a $200 security deposit all at once, Capital One Secured is a great option for its installment plan. This makes the Capital One card a solid choice for someone trying build (or rebuild) their credit history.
The two reasons you may want to apply for the OpenSky Secured Visa Credit Card is if you don’t own a checking account, but still want access to a credit card, or if you’re looking for a secured card with a decent annual percentage rate.
If you have a bank account but limited or poor credit history, the Discover it® Secured Card is a terrific choice to help build your credit and earn cash-back rewards, too.
We also like that you can quickly graduate to an unsecured Discover card with just seven months of good payment behavior.