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The Total VisaŽ Card is issued by Plains Commerce Bank. This card is suitable for those who are having problems getting a credit card due to their past credit history. This
card gives a chance for those with limited credit to get an unsecured credit card.It is common for this type of card to charge various fees such as an annual fee, an account set-up fee, a program fee, and a monthly maintenance fee. For Total Visa Card, your initial credit limit will be at least $250. When your card is issued, you will have at least $50 of credit available for use after the $56 Account Set-Up Fee, $96 Program Fee, and $48 Annual Fee are charged to your account. You must make payments on your account to free up additional available credit. There is also a monthly participation fee of $8 ($96 per year). Upon your request, a minimum Credit Limit Increase of $25 may be granted after your account has been open for six (6) months, has not been past due for the prior three (3) months, and is not over limit. Every three months thereafter, upon your request, your account will be reviewed for a credit limit increase using the same requirements. Unlike some unsecured credit cards, there is no fee imposed for the review or for any resulting increase in the credit limit for this card, which is a plus point. This card does have an above average interest rate for purchases(which is common for this type of card), but those cardholders who can pay their monthly balances in full will be able to avoid the high rate while still taking advantage of having their card reported to the major credit bureaus. The Total VisaŽ Card will benefit those with limited credit who can pay their balances in full, want an unsecured credit card, and do not mind paying the various fees. 
Safe and secured online application with SSL encryption technology.The review is believed to be accurate during the update. However, information posted may have changed since the update. As such, we strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application. |
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Cardholders Comment/Review/Rating "Helping you to build credit - I have had this card since May of 2007 and this card has been great. I read ll the fine print, so I knew to expect the high fees and charges. But well, a small price to pay to improve my credit, right? I've always made my payments online, and when calling customer service reps, I've gotten nothing but the best service. I decided today to go for that credit increase, unfortunately it was only $25, but well beggers can't be choosers. Also If youre going to be a day or two late with your payment, call customer service and let them know that its in the mail. They moved back my due date so that a payment I mailed wouldnt be late. Finally they do report monthly to all three credit bureus (sorry bout the spelling.lol. I've seen it on my credit reports and it has raised my score." Miss Mack, 12/20/2007 "good for people who want to start positive credit history - im am 18 years old, and no one would accept me for credit every time i applied it said declined due to limited credit history, so i applied and they accepted me, i have only had this card since jan my crdit score went from 0-693 in three months and i just recived a macy's card, i recommed this card to anyone it helped me establish credit when no one else would help me do so, so just give it a try you will be happy" jasmine, 4/19/2007 "its easy and convenient to apply online . card arrives promptly and all you have to do is send in your payments on time , and you get a functional credit card to rebuild your credit with." Timothy, 3/28/2007 "Love it - Applied for card. recieved it in 5 days. Customer service was very helpful. Activated it. made two payments in same month. No phone calls. Never a denial for usage. just love it. Second chance to do the right thing. I will....." Stephanie, 11/18/2006 "Great CC for bad credit situations. I have had my Total Card for about a year now. They credited my $250 back to me right on schedule. My credit rating has gone up over a 100 points so that now I was able to get financing for a new car loan. This was the least expensive CC I found available for those with poor credit. It basically cost me $10 a month to rebuild my credit and have the convenience of a CC available. For what it is I have nothing but praise for this card." Jack, 10/24/2006 "Great Card for Non-Great Credit - Got the card with horrible credit. I pay my bill every month on time with MoneyGram(cost only 6.95) and funds are available then next day. They report every month to All 3 bearue's!! Great!! My score is steadily going up by 30 points every month. I'm very excited to see where it'll be in six months...maybe a 700???" Adam, 8/17/2006 "Good Card - I dont have the greatest credit, and I was approved. I applied and in less than a week the card came to me. I used it to purchase gas (the customer service rep did inform me to go inside) which was not a problem. I also used it for a few small items with no problem. So far so good, I am hoping just to use this to build my credit and so far it's working." Fixingmycredit, 8/13/2006 "Basically a good way to start re-building your credit. Terms are clearly stated, good customer service, and if you pay on time, it is reported to the credit agencies promptly. I have never had a bad experience with this card or company. In fact it has helped me obtain an unsecured Master Card by paying my Total Card on time each and every month." Giovanni, 8/10/2006
Safe and secure online application with SSL encryption technology."Being the victim of Identity Theft, I had no choice but to get this card in December '03. I've never missed a payment and have always received the credit line increases every 3 months. The participation fee I pay is $6, not $10, and that covers the cost of reporting my payment history to the three bureaus. Everyone should remember that unless you were had something happen beyond your control like medical expenses or ID theft, how you paid (or didn't pay) your bills is the reason you have "sub-prime" cards. I work in the credit card industry and these cards work to rebuild credit if you are responsible. Fourteen days to post a payment isn't accurate...the company's Terms & Conditions clearly state that payments may be subject to hold to verify the bank or money issuer has paid the item. No need to give people money to spend when they pay the bill with a bad check. It is the bank's way of protecting itself because a few bad consumers have burned them in the past." RT, 7/26/2006 "appled online got approved with 5 collection accounts average fico of 536 42 inqueries with experian 20 with trans union 15 with eqifax no good accounts no accounts at all and got instanly approved sent the card in 9 days and cs isnt that bad unless you cuss them out and if you dont give them bum checks extra late payments dont overdraw more than 2 times they wont close the account and i will give updates on my progress with this card" robert,7/3/2006 "My credit score was 550... I couldn't get a credit card to save my life. I travel and may have even lost my job if I couldn't at least rent a car and pay for a hotel. These guys came to my rescue and I now enjoy the benefits of a MUCH better credit rating (still improving)and no embarrasment when I'm on the road. It is a long road, but hey, I got here by my bad habits and I need to get out with a good faith effort and some patience." Chris, 6/13/2006 "I have had this card since May of 2004. It was easy to get and even tho the fees up front left me with a 50.00 balance. I made the decision to make sure that I cleaned up my credit after bankruptcy. I have kept this card and while the Pay at the pump thing is inconvenient, I am not going to cancel over it. I have the card available to use for car rentals,online purchases,etc. This card is great and I always have my money available. I to became concerned over the hold policy on checks and bank payments. I finally learned to do a money gram ( most neighborhood Walmarts have them in your state) for 6.95 you can send your payment to them before 2 pm and it will post that night. NO HOLDS AT ALL. when you call the number on the back of the card you can choose the option to talk to Customer Service. Although it gives you another number to call you can still contact them. I can also make my payments online though thier website and they post immediately. All of these negative reports just surprise me as it seems like these people never read thier bills where it told them about online payments and also that payments made with checks can be held as they have to wait for clearence from the bank. The Gas at the pump was explained to me in the terms and conditions so I knew right up front. I ran into a money situation last year and fell severly behind my payments. I made my payment and they not only restored my account but also reported it to the bureau as on time. I really appreciated that. I will continue to use my card. great people and works everywhere" Gary, 6/8/2006
Safe and secure online application with SSL encryption technology."I got this card 2 years ago when I first turned 18. It was my first credit card EVER. No one else would give me credit. I pay my bill on time. every three months they credit my account 50 dollars if I have a balance and they increase my credit limit if I do not have a balance. If you keep the card long enough and just pay your bill on time, it will reflect on your credit report. Now I can get cards or loans from many more places than anyone I know my age-because of this card. I went overlimit a few dollars at first because I did not understand credit that much and they did not charge me an overlimit fee. It is a great card if you are trying to establish credit." Sarah, 4/5/2006 "Excellent Card. I have had this card since January 2004, started off with a limit of 250. Now its January 2006 and I have a limit of 650. I get my increases every 3 months. I call and request it and I get it. Never had any problems with customer service. If you send more than 100.00 they will hold your check for 14 days. Send 99.00 or less and your money will post the next day via ezcardinfo.com. You can only make a payment every 14 days via website, but you can send whatever to them by mail as long as its under 100.00 it'll post the same day, no hold, trust me! I never sent a payment via the mail, I use the website to pay my bills." D, 1/31/2006 "Great card for people serious about rebuilding their credit. This is a great way to rebuild your credit. I have read alot of complaints, but I have had this card for over a year and have not had one problem. The people that are complaining should spend more time making their payments on time and less time whining that they aren't being treated fairly. This card has been a huge help in rebuilding my credit. My advise: make your payments on time. Period!" J.S., 1/4/2006 "Decent Card - I've had the card since 2003 and I haven't had any major problems with them. I have paid my bills on time and have gotten credit limit increases regularly. I'm rebuilding my credit and couldn't be happier!" RJP, 11/16/2005
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