Credit Card Reviews ~ Bad Credit Credit Cards


Total Visa® Card Review

The Total Visa® Card, issued by Plains Commerce Bank, is intended for those with damaged or limited credit.

The card does not require a security deposit but it does have various fees applied to new applicants, which for the first year alone equal $296 (of this amount, $152 is applied for the first year only). Some applicants may prefer to pay the upfront fees as opposed to a larger security deposit; however, it is important to note that most of the fees applied are non-refundable (security deposits are usually refundable).

The interest rate is above average for this type of card, but the rate for cash advances is the same as for purchases, which is a rare benefit as the interest rate for cash advances is usually much higher. However, these rates are not ideal if the cardholder plans to carry a balance.

Those who become active members of the credit card will be glad to know that transactions will be reported to all major credit bureaus as an unsecured credit card.

Therefore, those who can afford to pay in full each month (to avoid finance charges) and do not mind paying numerous upfront fees may find the Total Visa® Card to be beneficial.

 

Cardholder Benefit/s:

* See website for additional benefits.


Note: We suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application since the information may have changed since the review is written.

Reviewed on March 23, 2007

Total Visa® Card




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About the Author

Liz Roberts is a freelance writer and loan consultant. The website BadCreditResources.com offers resources that specialize in providing loans and credit cards to people with bad credit.