The Total Visa was last reviewed on 31st July 2008
Summary - The Total Visa® Card from Plains Commerce Bank is designed for those with poor credit. Find out if this is the right card for you.
Fee - The Total Visa is a sub-prime card targeted at those with not so good credit. Once you get approved for this card, there is an account set-up fee of $56.00. There is also a program fee of $96.00. The annual fee is $48.00 and there is also a monthly participating fee of $8.00 (which works out to $96.00).
The apr is a fixed rate at 19.92% for both purchases and cash advances. The average daily balance method is used to calculate
your monthly interest charges. The grace period is 25 days, which is longer than the standard 20 days that most credit cards give.
Verdict - The Total Visa® Card will appeal to those have bad credit and want to get an unsecured credit card. There are some upfront fees
and annual fees that you have to pay. But if you have difficulty getting an unsecured card, you may want to give this card a try.
| Annual Fees |
$48.00 |
| Monthly Participating Fees |
$8.00 per month |
| One-time Setup Fees |
$56.00 |
| Program Fees |
$96.00 |
| Purchase APR |
19.92% |
| Penalty/Default Rate APR |
19.92% fixed |
| Min Finance Charge |
$0.00 |
| Grace Period |
25 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Cash Advance fee |
$5.00 for each transaction |
| Over-the-credit-limit fee |
$25.00 |
| Late Payment fee |
$29.00 |
|
