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Total VISA® Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Total Visa® Card
46 Reviews
Consumer Rating:
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Lowest:
0
Average Score:
484
Highest:
670
 

Executive Summary - A subprime card that has the usual high fees and rates. Though there are other cards with higher fees (upfront, annual and monthly maintenance), we would still recommend shopping around for other cards that have lower fees and rates (the Credit One would be an alternative), or consider secured cards.

Plains Commerce Bank is a bank out of South Dakota which began as the Bank of Hoven in 1931. The Total Visa Card was issued by Plains Commerce Bank as a card for people with no credit or bad credit, as a means to not only have a credit card but to establish and improve on their credit in the meantime. Unfortunately, regardless of the long bank's long history in South Dakota, the Total Visa Card is not the greatest card to use to assist in that process.

Fees - Because Total Visa is a sub-prime card targeted at those with not so good credit, they can of course get away with an obscene amount of fees because people who are trying to rebuild their credit histories will pay them. 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). This totals $296.00 just to have the card for the first year.

For the second year onwards, the total fees per year works out to $48 + $96 = 144. Though not the highest (that award might well go to the imagine card), it is pretty high.

The APR is a fixed rate at 19.92% for both purchases and cash advances, which isn't the highest APR that we've seen with sub-prime cards, but considering all of the other fees that are involved, it's still pretty high. 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.

Total Visa Card Comparison With Other Sub-Prime Cards - Way back before the 2008 financial crisis, there were lots of other similar card to this one. Today, however, there are only two other similar competitors as the rest of them have been fined by the FTC and closed down or bought over and no longer issued (like Orchard Bank).

Although all of the cards have additional fees for carrying the cards, First Premier's fees include a security deposit of $95.00 which is refundable, an annual fee of $75.00 the first year and then $45.00 annually thereafter and a monthly servicing fee which is billed at $6.50 per month for a total of $78.00 annually. These fees total a little lower than Total Visa Card's fees however, the APR on the First Premier card is 36%.

The other card to compare with is the Credit One Bank Visa with Gas Rewards. The annual fee ranges from $35 to $75 and there is none of that one time processing or application fee. Compared to the other cards, this one is the most reasonable in terms of fees. Furthermore, you can earn reward points for gasoline spending (rewards are rare for subprime cards).

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 to be honest, these fees are exorbitant even for a sub-prime card. If you are considering this card, you should also check out other cards. The type of cards that you will be approved for depends on your credit situation. the offering from Credit One Bank.

As a general guide, if you have just emerged from bankruptcy or have charge offs and collections that have not been settled or paid off, then a secured card like First Progress would be your best bet because you are highly unlikely to get approved for an unsecured card.

If on the other hand, you have settled any old charge offs or collections, have a 600ish score and have been paying on time for 6 months to a year and a good track record with your other installment credit like auto loans, you may have a shot at no annual fee unsecured cards like the Barclaycard Rewards MasterCard, the NFL Visa.

The Credit One Bank Visa with Gas Rewards is also a good alternative as it only has an annual fee (no upfront fees or monthly maintenance fees) and a reward program for gas purchases.

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3 Star
17%
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Credit Score: 417 Credit Limit: 300 Age: 45-54
Posted 02/15 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingstar rating
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
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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
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Rebuild credit saver.
 
Credit Score: 565 Credit Limit: 300 Age: 25-34
Posted 11/09 2016
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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
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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
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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
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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
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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
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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
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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.
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