| 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. |
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.
