Credit Score: 417 Credit Limit: 300 Age: 45-54

Posted 02/15 2019

I got approved for a $300 with this card back in July when my score was in the 400s. I have been doing real good with it making my payments on-time, until the holidays and a family emergency came up. I ended up going over my balance which impacted my score dramatically. I am going to bring my balance back to zero, and start over again with this card. I have had no issues with CS & the card is wonderful. Stay within your spending percentage, make your payments on-time, and you will see your score go up.

 

Credit Score: 0 Credit Limit: 0 Age: 18-24

Posted 12/01 2017

Card works great and customer service is great. Hold time is a little long but they are nice.

 

Credit Score: 600 Credit Limit: 300 Age: 35-44

Posted 05/02 2017

Rebuild credit saver.

 

Credit Score: 565 Credit Limit: 300 Age: 25-34

Posted 11/09 2016

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

Posted 08/12 2016

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: 538 Credit Limit: 300 Age: 35-44

Posted 04/20 2016

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: 530 Credit Limit: 300 Age: 25-34

Posted 11/08 2015

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: 505 Credit Limit: 300 Age: 35-44

Posted 09/21 2015

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: 520 Credit Limit: 300 Age: 35-44

Posted 08/17 2015

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: 540 Credit Limit: 300 Age: 35-44

Posted 02/05 2015

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.