Casey Palmer, Member
@cass16
The Total Visa® Card interest rate is 35.99%. The regular Total Visa card interest rate is fixed, meaning the rate does not change based on economic conditions, like a variable rate would.
The Total Visa card gives you a 21-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that timeframe. Should you decide to carry a balance on your Total Visa card, it will accumulate interest daily at the card's regular APR.
In addition, the Total Visa card has a cash advance APR of 35.99%. The Total Visa card doesn't charge a penalty APR for late payments.
You can learn more by reading WalletHub’s guide to credit card interest rates.
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Will my Total Visa available credit go up after I pay the annual fee?
Yes, your Total Visa Card credit will go up by the same amount as the annual fee that you pay. However, this increase in your available credit will be applicable only until your account anniversary. Then, the annual fee will be charged again, thereby reducing your available credit.
It’s also worth noting that, beginning the second year, your Total Visa Card will start charging you a monthly fee, too. Your available credit will be recurrently reduced...
read full answer by Rodney Bennett, WalletHub AnalystHow many credit cards should I have for good credit?
You only need one credit card for good credit because simply having an open credit card account is the most efficient way to build and maintain a good (or even excellent) credit score. But the actual number of credit cards you have doesn’t make up a huge part of your credit score – roughly 5%-10%. The more important factors are your payment history, the total amount of your debts, and the total of your credit limits.
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read full answer by WalletHub, Financial CompanyHow do I find the interest rate on my credit card?
You can easily find the interest rate on your credit card by looking at your monthly credit card statements, your online account, or your cardmember agreement. Your interest rate will be there in the form of an annual percentage rate (APR). As “annual” implies, an APR is the cumulative interest rate for a whole year, but you can use it to calculate your actual interest charges from day to day or month to month.
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read full answer by Christie Matherne, Credit Card WriterDid we answer your question?
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