Editor's ChoiceCategories Issuers Free Credit ScoreBlog
 
Picture of Item Reviewed
Total Visa® Unsecured Credit Card
Consumer Reviews: 39
Regular APR
card['Rate']
 
 
3.1
Advertiser Disclosure
Picture of Item Reviewed


Consumer Reviews, Credit Score and Limits
Total VISA® Unsecured Credit Card

Annual Fee: $75 One-time Processing Fee: $89 Monthly Fee: $6.25/month from 2nd Year

Pros: Reports to 3 bureaus, Good for rebuilding credit scores (see reviews below), payment clears immediately if you use debit card.

Cons: Cannot use card abroad or with foreign merchants online, have to pay inside the gas station, up to 14 day hold if you pay by check via ACH

Our Take: This card is targeted at those who want to rebuild their credit with an unsecured card. Though fees are high, some customers have reported success at rebuilding their scores with this card (see below). One has to be aware of the nuances of this card like having to pay inside the gas station and not at the pump. It is best to use a debit card for your payments to avoid any payment holds.
Consumer Rating:
Average Score: 486
Lowest Score: 0
Highest Score: 610
* The following information was provided by consumers who filled out the review forms. Issuers do not endorse nor can anyone guarantee its accuracy.
CREDIT SCORE

By Limit
By Score
By Age
39 CONSUMER REVIEWS
OVERALL RATING  1
Posted 08/23/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
i have never had a credit card of my own in 35 years without difficulty. i received the total card in 2016. glad to have credit of $225 ($300 - $75) got some items i needed and wanted as i had been struggling financially with no credit history. i made first payment august 2016 via phone with debit card. have confirmation # and everything. they never took the payment out of my account. tried to pay online, not successful. called and was placed on hold for who knows how long. so i decided not to continue with use of card. now item is on my credit report as NEVER MADE FIRST PAYMENT. I have them $89.00, They gave me $225.00, now i owe them $225, $75, and a late fee of $37, and interest. Ok. If I wait 10 years it will drop off credit report. THAT IS NOT THE REASON I NEEDED CREDIT. I like not owing anyone - neither borrower or lender be, but I authorized them to receive payment from my account. Why is my credit report reflecting NO PAYMENT when in fact I did provide funds for payment. Why is my credit report listing bad account when I acted in good faith. AND I AM STILL RECEIVING OFFERS OF CREDIT - IF THEY STILL NEED THREE HUNDRED A MONTH, WHY DIDN'T THEY ACCEPT MY DAMNED PAYMENT AND LET ME BUILD CREDIT?
CREDIT SCORE : 549
CREDIT LIMIT : $300
AGE : 55-64
OVERALL RATING  1
Posted 07/30/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
would like to apply 4 this card my srore is528
CREDIT SCORE : 0
CREDIT LIMIT : $0
AGE : 45-54
OVERALL RATING  1
Posted 06/02/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
THEY ARE CONTINUALLY SENDING ME EMAILS TO APPLY - ASSUMING THEY SEND THEM TO THOSE WITH LOWER CREDIT SCORES. MY CREDIT HAS CONTINUALT IMPROVED AND YET THEY CONTINUE TO DENY. IF ITS A HARD CREDIT CHECKTHEN THAT'S A PROBLEM. TOTAL SCAM!!!
CREDIT SCORE : 0
CREDIT LIMIT : $0
AGE : 55-64
OVERALL RATING  5
Posted 05/02/2017
CUSTOMER SERVICE : 5/5
BENEFITS : 4/5
Rebuild credit saver.
CREDIT SCORE : 600
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  1
Posted 03/15/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
when can i request for acredit increase?
CREDIT SCORE : 0
CREDIT LIMIT : $0
AGE : 45-54
OVERALL RATING  1
Posted 03/02/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Just Got My Total Visa Activated! As I Have Reviewed Other Statement Here! I Sudjest That If You Want To Rebuild Your Credit, And Credit Score, Do What I Do! I Am A Member Of NetFlix, Hulu.com And CBS.com, Where On I Watch Different Shows, The Cost Of Being A Member Is Low!

So I Use My Total Visa, To Pay For These, And After A Month Or Two, And To See If No Other Charges Have Been Applyied!, I Copy My Information From My Credit Card Account Number And Other Info, Then I Shred It! Leaveing It Open, Then I Pay My Uses, Back To My Total Visa, Which Runs Around! $20.00.

And I Pay Before The Due Date! And So I Am Rebuilding My Credit And Credit Score, And I Have No Fear Of The HIGH INTEREST! Please NOTE: If You Get This Card! YOU! Are Your Worst Enemy!

If You Can Control Your Spending The Way That I Am Doing! Then You Should Not Have A Problem With This Card. Also! Even If They Give You A Credit Line Increase! Once You Shread It! And Keep It Open, You Should Be Okay!
CREDIT SCORE : 0
CREDIT LIMIT : $300
AGE : 45-54
OVERALL RATING  1
Posted 02/20/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I was just approved online and sent a confirmation email. How long did it take to receive your card after you were approved? I play to pay the $89 fee with my debit card once I receive the card in the mail. I am seeing some people say that once they paid the initial fee they could not use their card for 2 weeks. Once you activated the card how long until you were able to use it?
CREDIT SCORE : 540
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 11/09/2016
CUSTOMER SERVICE : 5/5
BENEFITS : 5/5
One of the most important thing for me in a credit card is their payment system. In this regard, I had no problems with Total. I pay with either my debit card or checking account and it clears the next day. I've had other cards that hold your payment.
CREDIT SCORE : 565
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 10/26/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
There are fees with this card but I went in with my eyes wide open. I am willing to pay to rebuild.
CREDIT SCORE : 540
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  2
Posted 09/14/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 3/5
They held my payment for 14 days when I paid from my checking account. When I asked why, CSR had no logical explanation other than send us a copy that it has cleared your bank and we will clear it in 2-3 days.
CREDIT SCORE : 495
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 08/12/2016
CUSTOMER SERVICE : 5/5
BENEFITS : 5/5
I got this card when my score was 565. I also had a Credit One just prior to this. Within 14 months, my score had improved to 640.
CREDIT SCORE : 565
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 07/26/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
This card is definitely not the best out there. But when your scores are 530, what choice do you have? At least they allow you to pay with your debit card and it clears the next day. It seems like it gets tricky when you pay with checks because they may hold it for 14 days. The trick is to just spend $30 to $40 a month and pay it off in full. After a year to 18 months, cancel it and get a no annual fee rebuilder card. Remember, this card is solely for rebuilding.
CREDIT SCORE : 530
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 07/19/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
I have had this card for about a month and everything seems fine. Payment went through with no problem. I just noticed that it has not reported to the bureaus yet? Can anyone tell me how long it takes?
CREDIT SCORE : 603
CREDIT LIMIT : $300
AGE : 45-54
OVERALL RATING  3
Posted 06/08/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
A little warning. Every payment has to be 5 days apart. This applies to those of you who want to pay multiple times during a billing cycle.
CREDIT SCORE : 580
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 04/20/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 5/5
This card works. There are definitely some quirky things like

1. can't use overseas
2. need to pay inside at the gas station
3. payments hold if you use ACH/checks.

But otherwise, my score improved from 540 to 650 with this card within 13 months.
CREDIT SCORE : 538
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 03/30/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
One thing to be aware of this card is that you cannot use it when you travel out of the USA. You also cannot use it with a foreign merchant online.
CREDIT SCORE : 610
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  2
Posted 03/29/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
After I paid the processing fee, I went to activate the card and was told I cannot do it until the funds are "verified"! what the heck is this?
CREDIT SCORE : 480
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 02/13/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
Got approved for Total. Not too sure if I will regret not going the secured route. But I got my foot in with an unsecured card. Score was EQ504 and the limit was $300.
CREDIT SCORE : 504
CREDIT LIMIT : $300
AGE : 18-24
OVERALL RATING  4
Posted 01/04/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
When I called to activate the card, the automated answering system said that if you fill up at a gas station, you should pay inside and not at the pump. Otherwise, it will be declined for security reasons. They also said that if you pay by check, they will hold for 14 days. I am glad I was told that and I have since been using my debit card.
CREDIT SCORE : 490
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 11/16/2015
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
I got this card simply for rebuilding. I understand the fees and have read the terms and conditions. I plan to simply cancel this card after a year and get a lower fee card.
CREDIT SCORE : 603
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 11/08/2015
CUSTOMER SERVICE : 5/5
BENEFITS : 5/5
Score was 530 and a couple of baddies. I was denied by Credit One. Decided to give this card a shot even though the fees were higher. Got approved and so far so good. There are a few things that you need to be aware of (these have already been mentioned here) - like the 14 day hold if you pay by check and to pay inside a gas station. I use my debit card to pay and it clears the next day.
CREDIT SCORE : 530
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  2
Posted 10/25/2015
CUSTOMER SERVICE : 2/5
BENEFITS : 2/5
Where is the website for you to check your transactions? In fact, I don't think there is one. Who in today's age remembers what they spend on their card? I need to see the statement online occasionally just to verify.
CREDIT SCORE : 568
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  1
Posted 10/14/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
The phone system is in need of a fix. When you call, you are automatically presented 2 options which does not include speaking to a representative. In fact, hunting down a number to call a rep is almost impossible.
CREDIT SCORE : 578
CREDIT LIMIT : $300
AGE : 18-24
OVERALL RATING  4
Posted 09/22/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
I had opened a Capital One and Opensky secured card. After about 8 months, I got this card with an initial credit limit of $300. Paid off the $89 fee and just used the card sparingly a month (not more than $40). I pay off a week early and I use a debit card to pay so it clears immediately. It seems that Total always reports the highest limit to the bureaus but I do not care since I limit my charge to $40 max a month.
CREDIT SCORE : 548
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  5
Posted 09/21/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 3/5
After being rejected by Cap One secured, I decided to go the unsecured route and apply for this card. I got approved with a $300 limit. My score then was 505. I paid up the $89 processing fee and after the first bill, the $75 annual fee was paid off. I charged no more than $50 a month on the card. I pay it off in full and early with my debit card (ACH checking accounts will result in a 14 day hold). After 3 months, my scores went up to 550. After 10 months, my score had increased to 615. I canceled the card before the one year anniversary was up and got myself a couple of no annual fee store cards. But I do have to thank total. They gave me a chance when no one else would and despite the high fees and some inconveniences, it did it's job.
CREDIT SCORE : 505
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  1
Posted 09/03/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
The customer rep told me that I could use the card immediately after I paid the processing fee. Turns out I have to wait for 2 weeks!
CREDIT SCORE : 529
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 09/01/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
When I got this card, my score was like 475. I did not expect to get approved but I did. Paid off the $89 processing fee and then also paid off my $75 annual fee. Limit was $300. After a year of using it responsibly, my scores are now at about 610. I will be going on a little app spree to try to get a no annual fee card. Once I get a couple under my belt, I will cancel this card as it has served it's purpose.
CREDIT SCORE : 475
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 08/17/2015
CUSTOMER SERVICE : 5/5
BENEFITS : 5/5
I decided to get this card and not secured cards because I did not want to leave a deposit. I got approved for $300. Paid the $89 and $75 fees. After 6 months, my credit score has improved about 75 points. There are still a couple of baddies in my report that will take a little time to drop off. But I am really encouraged by my process since I got the card.
CREDIT SCORE : 520
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  1
Posted 06/12/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
My card was paid up when I decided to cancel. Then I found out that my credit report had a delinquent account from Total! Disputing it right now. These guys are total scums.
CREDIT SCORE : 530
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 06/11/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
I have this card and First Access. I believe both are from mid trust bank. I got them around the same time when my scores were like 505. Since using them for about 6 months, my scores are now like 640. That is a over 100 points increase and I am not kidding. I am not too sure if I can attribute this solely to this card since I also have the First Access. Like many say here, you just have to use it carefully. You want to either pay by debit or credit card and there will be no hold on your payments. Pay by ACH and according to the terms and conditions, they may hold it for UP to 14 days.
CREDIT SCORE : 505
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 05/12/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 3/5
Found out the hard way that this card cannot be used abroad. I went to Canada and found out the hard way.
CREDIT SCORE : 561
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 05/03/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
Total is one of the 2 high fee cards that I have. They served their purpose but they will charge you for everything. I got a $300 credit line (seems like most folks are given that amount). You have to pay the $89 fee and the $75 annual fee. (fees fees fees). The APR is high as well. But my scores did go up using it. I always paid in full and on time. If you need an unsecured credit card, make sure you have only one with high fees. Like for example, if you have this card, do not get a First Premier. And it is best to cancel before year 2 otherwise you will be stuck with the monthly $6.25 fee (together with your annual fee).
CREDIT SCORE : 498
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 04/25/2015
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
EQ 515
EX 525
TU 501
CREDIT SCORE : 515
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 04/21/2015
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Just got approved for this card. Score was 586. Not sure how this will pan out.
CREDIT SCORE : 586
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 04/02/2015
CUSTOMER SERVICE : 5/5
BENEFITS : 4/5
Here is what I did to get my scores up over 100 points with this card. My limit was $300. I charged $45 a month to the card. I pay $43 and leave a couple of bucks as balance. Always pay on time. I started off with a score of about 553 on EQ. After 7 months, my score jumped to 660. This card works. Yes, there are fees and you should read and re-read the terms and conditions. But it does work as a rebuilder. They do report about once a month.
CREDIT SCORE : 553
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 03/07/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I was pre-approved for this card but they requested that I send or fax copies of SS card, drivers license or a state id, bank statement or latest utility bill. Did that and was approved in a couple of days.
CREDIT SCORE : 549
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  2
Posted 02/22/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 2/5
My experience was not good right from the start. I sent a check in for the processing fee. After it was deducted from my bank account, I called to activate the card and was told that the check needs to be verified. If the checked has cleared my bank account what is there a need to verify? Anyway, customer service was not particularly helpful. Wait times were long and it was not a very pleasant experience.
CREDIT SCORE : 576
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 02/05/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 5/5
First you have to pay $89. Then the $75 annual fee gets billed so your credit becomes $225. I would pay off the $75 at once so that your limit is back up to $300. My experience was that after about 6 months, my score went from 540 to 625. So the fees are worth it.
CREDIT SCORE : 540
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 01/20/2015
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Have been with Total for a few years. As long as you pay on time, there should be no problem. They were the ones who gave me a chance when I kept getting denied by other banks.
CREDIT SCORE : 494
CREDIT LIMIT : $300
AGE : 45-54
PLEASE SHARE YOUR EXPERIENCE
Name:
Credit Rating:
Credit Limit:
Overall Rating:
Benefits:
Customer Service:
Your Age:
Comments   (Please include your credit scores and limits on your card as well as any benefits or customer service experience) :




Privacy Policy Terms and Conditions About Me Disclosure Contact Me

Newsletter Sign Up

Name

Email