If you have come this far, you are interested in obtaining the Visa Total credit card.
and you should know that it is a card for which you will have to pay very high fees to have few benefits. However, it is designed for users with a bad credit history who want to repair it.
Therefore, its main advantages are that its application process is speedy and easy, the chances of being rejected are almost zero, and you will not have to make any security deposit.
So, to make sure that you know what you will be facing, below, we leave you the most frequent questions that users interested in this card have.
Frequently asked questions about the Visa Total credit card
Is your approval rate that high?
The answer is yes.
It is the most outstanding feature of the Total Visa credit card. If you have problems opening an account and obtaining a credit card and need it as soon as possible, this may be your solution.
Since you will get an answer in a few minutes to know whether or not it has been approved.
What is the credit limit increase program like?
The truth is that it is not adequately specified, at least on its official page.
Keep in mind that what is made clear is that your initial credit is $300, from which the annual fee will be immediately deducted.
And because the Visa Total credit card is not guaranteed, it is impossible to increase your credit limit by depositing more than the maximum amount in advance.
Nor does the Visa Total credit card present a schedule that lets you know when to access your account to see if you have received an increase.
But if you request a credit increase privately and it is approved, you should know that you will have to pay a fee for the rise in that credit by 20%.
To give you an idea: if your new credit limit is $100, your interest will be $20.
The APRs are pretty high.
It is perhaps what you should look for the most about this card. Its APR is very high compared to similar cards.
You will find cards with a purchase APR of 34.99%, which give you multiple benefits, a point this card lacks.
Therefore, if your limit is $100 (for example) and your purchase APR is 34.99%, you will owe the bank $100 plus $34.99 in interest if you purchase your total credit limit.
Our recommendation
Choose this card only if you have not been able to get the approval of any other card in the banks and you need to repair your credit history immediately.
Also, limit your purchases to only 30% of the amount of credit you have and pay on time to avoid penalties.
