|Rewards||Low credit limit of $300 allows those with poor credit scores to establish a good credit standing.|
|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.|
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.