Total Visa Card

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Total Visa Card Review

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

Although the card does not require a security deposit, 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.