| Rewards | Low credit limit of $300 allows those with poor credit scores to establish a good credit standing. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $75.00 for first year, after that, $48.00 annually |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99%. Variable based on the market Prime Rate. |
| Cash Advance Fee | Either $5.00 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $37.00; up to $15.00 for Iowa residents |
| Purchases APR | 29.99%. Variable based on the market Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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High cos, little benefit
This card charges steep fees just to open and maintain an account. The credit limit is low, making it hard to use for real expenses. Interest rate are high, so carrying a balance is expensive. Overall, it feels more like a burden than a helpful credit option
P
No credit increase for long time customer
I have had my TOTAL VISA card for 10 years with a beginning credit limit of $250. I have never been late on a payment in all that time and I have almost always paid over the minimum payment due. I have asked numerous times for a credit increase and have been denied. I got another credit card at the same time (also a secured card) and they have increased my credit by over $600.
