Accepted Credit Scores
Fair Credit, Bad Credit
Editor’s Take
John Kiernan, Credit Card Editor
March 24, 2021
Review: Total VISA® Credit Card
The Total Visa Card is an expensive unsecured credit card for people with bad credit. The Total Visa Credit Card does not require applicants to place a refundable security deposit, but it does charge high fees, starting with an $89 “program fee” that’s assessed before account opening. There’s also a $75 annual fee the first year, which is replaced by a total of $123 in monthly and annual fees each year after.
What do you get in return for those non-refundable fees? A fairly low limit and a very high APR. The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
The costs begin with an $89 program fee before you even get your Total Visa Card, and they just keep on coming. You’ll get hit with a $75 annual fee upon account opening, which gets replaced by the combination of a $48 annual fee and a $6.25 monthly fee in the second year.
New Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
The Total Visa Credit Card has an astronomic APR, which will quickly inflate the cost of any balance carried from month to month. For context, the average secured credit card charges only 16.63%, according to WalletHub’s latest Credit Card Landscape Report.
Total Visa allows you to choose a design for your card from their gallery for free. There are a handful of options, including dogs and cats, flowers, a beach scene, and an American flag design.
You need a checking account to get approved for the Total Visa Credit Card. It will be used to facilitate monthly payments. This is fairly standard, but not all credit cards require a bank account.
Whether you need an emergency loan or just a low-cost means of building credit, you can do better than the Total Visa Credit Card. Just take a look through WalletHub’s picks for the best credit cards for people with bad credit.
The Total Visa Card’s application processing fee is $89. This fee, which the Total Visa calls a program fee, is assessed prior to account opening and card activation.
The Total Visa Card’s credit limit is $300. A new cardholder’s initial available credit will only be $225, however, as the card’s $75 first-year annual fee is assessed upon account opening.
To activate a Total Visa Card, pay the one-time program fee for the account, find your approved application on the Total Visa website, and follow the instructions to activate your card.
What do you get in return for those non-refundable fees? A fairly low limit and a very high APR. The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
Total Visa Review Highlights
Monthly credit-bureau reporting
The Total Visa Card reports account information to the three major credit bureaus each month. This will help you build positive credit history if you don’t miss due dates or max out your spending limit.
Expensive fees everywhere you look
The costs begin with an $89 program fee before you even get your Total Visa Card, and they just keep on coming. You’ll get hit with a $75 annual fee upon account opening, which gets replaced by the combination of a $48 annual fee and a $6.25 monthly fee in the second year.
Limited initial spending power
New Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
Interest packs a punch
The Total Visa Credit Card has an astronomic APR, which will quickly inflate the cost of any balance carried from month to month. For context, the average secured credit card charges only 16.63%, according to WalletHub’s latest Credit Card Landscape Report.
Card design options
Total Visa allows you to choose a design for your card from their gallery for free. There are a handful of options, including dogs and cats, flowers, a beach scene, and an American flag design.
Bank account required
You need a checking account to get approved for the Total Visa Credit Card. It will be used to facilitate monthly payments. This is fairly standard, but not all credit cards require a bank account.
Better options for bad credit
Whether you need an emergency loan or just a low-cost means of building credit, you can do better than the Total Visa Credit Card. Just take a look through WalletHub’s picks for the best credit cards for people with bad credit.Learn more about the Total Visa Card
Total Visa Card Phone number
The Total Visa Card customer service phone number is (844) 548-9721. People who do not yet have a Total Visa Card can call (844) 206-4371 for questions about the application or paying the Total Visa program fee.
Total Visa Card Processing Fee
The Total Visa Card’s application processing fee is $89. This fee, which the Total Visa calls a program fee, is assessed prior to account opening and card activation.
Total Visa Card Credit limit
The Total Visa Card’s credit limit is $300. A new cardholder’s initial available credit will only be $225, however, as the card’s $75 first-year annual fee is assessed upon account opening.
Total Visa Card Card activation
To activate a Total Visa Card, pay the one-time program fee for the account, find your approved application on the Total Visa website, and follow the instructions to activate your card.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
March 24, 2021
Total VISA® Credit Card's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| $89 |
| ANNUAL FEE
|
| $75 1st yr, $48 after |
| MONTHLY FEE
|
| None 1st year, $6.25 after |
| REGULAR RATE
|
|---|
| 34.99% |
| GRACE PERIOD
|
| 21 days |
Total VISA® Credit Card's Highlights
| Checking Account Required |
| Fast and easy application process; response provided in seconds |
| A genuine Visa® card accepted by merchants nationwide across the USA and online |
| Manageable monthly payments |
| $300 credit limit (subject to available credit). |
| Reports monthly to all three major credit bureaus |
| Select your favorite card design from our gallery, for free! |
| See rates, fees, costs and limitations for additional details |
Total VISA® Credit Card's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| FOREIGN TRANSACTION FEE
|
N/A |
| SMART CHIP
|
No |
-
CASH ADVANCE APR
34.99%
-
CASH ADVANCE FEE
$0 the 1st yr, 3% (min $10) after
- Last updated on 3/24/2021
at Total Card Inc's secure site
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Related Credit Card Categories
Total VISA® Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Total VISA® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Where can I make my Total Visa payment? Reply 126
WalletHub
@WalletHub
You can pay your Total Visa Credit Card bill online by logging in at myccpay.com.
However, be sure to steer clear of myccpay.net. That is a fraudulent site designed to lure Total Visa customers into giving up their account information.
It’s easy to make this mistake, so before you enter any account information, confirm that you’re at myccpay.com rather than myccpay.net.
12
Upvotes
What are the best Total Rewards Visa benefits? Reply 3
Paul Archer
@paul_archer
The best Total Rewards Visa benefits are zero fraud liability and monthly reporting to the major credit bureaus: TransUnion, Experian and Equifax.
It doesn't offer much, and it's also expensive, having:
- $89 one-time fee
- $75 annual fee the first year, $48 after
- None 1st year, $6.25 after monthly fee from the second year
- 34.99% regular APR
- $300 starting credit limit
For a cheaper unsecured card for bad credit I'd suggest checking out the Credit One Bank Visa Credit Card, offering the same benefits and more.
3
Upvotes
How do I apply for the Total Visa Credit Card? Reply 81
SUE PATTERSON
@sweetsue
To apply for the Total Visa Credit Card, fill out the application online by clicking “Apply Now.” There is no way to apply over the phone or in person. You’ll need to provide some personal details, such as your name, mailing address, phone number, date of birth, and Social Security number. Also, keep in mind that you must have a checking account to get approved for the Total Visa Card.
After you submit your Total Visa application, you could receive a credit decision instantly, and you’ll be sent a confirmation email with an application number in it. If you are approved for the card, you can pay your one-time $89 program fee on the Total Visa website (you’ll need your application ID or email address and your date of birth to locate your account). Alternately, you can pay the program fee over the phone by calling (844) 206-4371.
Once you’ve paid your program fee, you can expect your Total Visa credit card to arrive in the mail in 7-10 business days.
8
Upvotes
Where can I make my Total Visa online payment? Reply 52
RODNEY BENNETT
@rodneyben
You can easily make a Total Visa online payment at https://www.myccpay.com. You will need to register for online banking if you do not already have an account. They accept debit and prepaid cards.
If you encounter any difficulties, give them a call at 888-547-6541.
5
Upvotes
How do I check my Total Visa application status? Reply 1
William Drake
@will_drake
You should get your status for the Total Visa credit card application by email within 30 seconds from clicking the Apply Now button. So make sure to check your Spam folder as well. In rare cases, it may take them up to 14 days to determine approval.
If you still can't find your application status, simply call (844) 206-4371.
1
Upvote
How can I check my Total Visa balance? Reply 5
Adam McCann
@adam_mccann
To check your Total VISA® Credit Card balance by phone, call (877) 480-6988 and follow the prompts. To check your Total Visa Card balance online, log in to your online account and you will see your current balance on your account summary page.
It’s also good to note that you can see your Total Visa Card balance on the statement you will receive each month. However, that balance is only accurate as of the date the billing cycle closed, so if you’ve made any more purchases or payments since then, your actual balance will be different.
5
Upvotes
How can I get a Total Visa cash advance? Reply 32
JAMIE THOMPSON
@ExTaxMan
You can get a Total Visa cash advance at pretty much any ATM in the world. But credit card cash advances are awful, just because they cost so much. Avoid them!
The folks that issue Total Visa will charge you 5% (min. $5) per cash advance and the APR is 29.99%. Plus, interest starts building up right away.
3
Upvotes
How can I activate my Total Visa card online? Reply 2
Peter Fox
@PeterFox
If you've already paid the Processing Fee and received your card, you can activate your Total Visa card online at this page.
To get to your approved application, search by your birthdate and Application ID or email address. Then follow the instructions to activate your card.
Once activated, you can use it wherever you see the Visa logo.
2
Upvotes
Does Total Visa report to all bureaus? Reply 1011
Vinnie Altone
@vinnie_altone
The Total Visa credit card will be reported to all big credit bureaus, like Transunion, Equifax and Experian. Most, if not all, lenders do that nowadays.
10
Upvotes
How much do I initially have to pay to get the Total Visa credit card? Reply 87
Brianne Larch
@BrianneLarch
The Total Visa card initial fee is $89. And then once your account is open, you have to pay a $75 first-year fee, and $123 each year after that.
You will have to live with that if you absolutely need an unsecured card to rebuild credit. There's no way to avoid it.
An alternative would be getting a secured card, and here the Discover it Secured, Citi Secured and Capital One Secured lead the pack. None of these charge a processing fee or an annual fee for that matter. Therefore, with responsible use, you'll rebuild credit at virtually no cost.
8
Upvotes
Total VISA® Credit Card Reviews
Share your insights and review the Total VISA® Credit Card.
Apr 17, 2021
Its worth it to build credit but make sure that when it reports that the balance reported is accurate. High rates and reliable makes this a good starting card
Comment
Apr 12, 2021
I don't have much to say.... Love my card.... Have had no issues with it.... Have received my credit increases upon request without any issues
Apr 07, 2021
I paid my total card off and it is still showing the 136.00 as not being paid. Total never reports payment on time and therefore causes problems.
Apr 06, 2021
This card was one of my first cards used to rebuild my credit. It has been a lifesaver to handle small accounts to keep me updated and active and has helped in other scenarios... I would recommend and use it wisely
Apr 05, 2021
At 34.99 APR a consumer would do better by borrowing money through a "loan shark." Its exorbitant APR coupled with its annual fee added in each month makes it a lack of options rather than a choice. There's no customer service whatsoever. Caveat Emptor would be the best strategy here! Run, very fast!
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Mar 26, 2021
Great card if it's the only one you can get. Otherwise yearly fee,and if you ask for credit line increase, you will pay 20% of what your card is increased ( ask for $1000.00 line increase you will pay $200 fee!!! That is crazy!!
Mar 24, 2021
This card is the absolute worse!! I have had this card for over 2 years and I have not gotten a credit increase. I pay my bill on time etc. I hardly ever use it but because of the interest rate the balance never seems to go down. I asked for an increase because one is not given to you until you ask. If they approve you you must pay 20% of that increase; it is added onto your bill. You cannot make a payment from your checking acct twice however they will allow you to use your debit card from the same acct.. wtf! I have 4 other credit card accts that have increased my account after 6 months WITHOUT me asking for it.. Their customer service sucks! I suggested Capital One, Mission Lane anyone but this company!! I will be paying off this account in 2 weeks and closing it. I will just take the hit to my credit score. Do not do it to yourself... look for another company.… show more
Mar 24, 2021
This card is a joke had it for a year and a half never went over the limit never missed a payment and cannot get one credit increase. Found a much better card so I called to pay off and close this account and to go along with all of their ridiculous fees they already have it's 10 bucks to do it over the phone. So glad to be done with these thieves! And that's exactly what they are.… show more
Mar 16, 2021
Opened this card just to Have another credit card never used it only paid the monthly servicing fee, had my account on auto pay and they decided to turn off my auto pay causing me to miss a monthly payment, get charged a late fee and added a ding to my credit score. Closed my account on the spot do not recommend at all, and they charge 20% for a credit increase
Mar 15, 2021
Absolutely horrible. I filed a dispute. They took two months to resolve it, and told me in the meantime that I would not have to pay, and they wouldn't report late payment. They resolved the dispute wrongly, saying I was obligated to pay, and they didn't notify me and just reported the account as past due. This card is a LIABILITY! Their customer service is garbage and they just told me to go back through the dispute process again. No attempt to provide additional support.… show more
Mar 10, 2021
This card has way too high interest plus an annual fee. I don't recommend it unless it's your only choice. There are better options out there.
Mar 02, 2021
Do not get this card if you have other options they charge interest daily like other cards but won’t allow you to make extra payments to lower the daily interest they also won’t adjust the interest when You pay off the account like I just did, I was going to have to make a second payment today to cover the last 60$ and was told no I have to wait 5 days before I could pay it off, so I said I was a portion of the interest waived since I’m not able to pay it off completely today because of your policy and they said no, I’ve never been so happy to close and account I work in credit cards I’m pretty sure they aren’t in compliance with the udaap regulations for fair lending… show more
Feb 24, 2021
Only get this card, if nobody else will give you one. This is Bank of Missouri. They have several low credit score predator cards. They have TERRIBLE customer service. They will do nothing (they lie, saying they are sending you forms), if you dispute charges that you didn't make. I noticed fraudulent charges that maxed my card. If that wasn't bad enough, TOTAL charged me a month in advance for an annual renewal that I didn't even want to do. This put the card $4 over the credit limit and it was reported to credit, knocking my credit score down 26 points. (First Premier is the same bank)… show more
Feb 18, 2021
Nope - no good. I received this card a year or more ago; $300 limit. I’ve paid off balance each month, not minimum payment, with no late payments. Issuer has not allowed for an increase - if they did, they’d charge 20%. So, for example, if they did raise it to $500, then it would cost me $40!
I also feel this card is intentionally designed for failure to make the issuer maximum $$ on fees. It is difficult to access the website, and there is no easy to use app. Customer support is terrible if you have questions. My Discover card, for example, has a robust; easy to use app as does my other card. If you get this card, you will have to be intentional about overcoming what I believe are intentional obstacles.
I no longer use the card. I just leave it open and auto-pay the small monthly fee. Once it will no longer damage my credit to close the acct., it will be closed.… show more
I also feel this card is intentionally designed for failure to make the issuer maximum $$ on fees. It is difficult to access the website, and there is no easy to use app. Customer support is terrible if you have questions. My Discover card, for example, has a robust; easy to use app as does my other card. If you get this card, you will have to be intentional about overcoming what I believe are intentional obstacles.
I no longer use the card. I just leave it open and auto-pay the small monthly fee. Once it will no longer damage my credit to close the acct., it will be closed.… show more
Jan 09, 2021
This card didn’t work out so well for me. It’s way too expensive for what you get. Every month you are assessed a $6.00 charge for the privilege of having the card. Personally, I don’t have the time to deal with the extra bookkeeping. I know you should try to avoid closing accounts, but I dumped this card because I have a problem with their plan to make me use their card every month whether I want to or not. If you have other options, AVOID this card, it’s just not worth it!… show more
Dec 28, 2020
I got this card after a bankruptcy with a $300 limit i make over $60k a year my bankruptcy is over 2 yrs old my payment history is at 100% on all my credit, i now have over $10k in available credit on cards and this card declines me for a limit increase i immediately called and canceled this card no need for it or its fees, really p/o that i wasted my time and paid these people on time 100%… show more
Dec 16, 2020
Terrible customer service. It was stated I submitted a fraud claim, in which I did not. I was told to fax statement stating that I didnt submit the claim. I fax requested information over 8 times. Spoke with support and managers and got no where. This went on for about a month. The account was then closed, while closing on a home. My credit score dropped 33 points.
Nov 23, 2020
Verified Customer
If you decide to get this card to better your credit you better hope your info/card does not get stolen. The fraud dept will not talk over the phone, when you call all they will do is submit to the dept for you. You have to fill out a form, mail it in and wait up to 2!!!! Months to get it taken care of. The credit card is almost maxed out and it’s reporting on my credit and hurting my credit while waiting their 2 months. There are way better options, I would recommend steering away from this one.… show more
Oct 13, 2020
Verified Customer
Terrible customer services and you will be over charged in fees. Ive trued several times to speak to representative or supervisor yet i always get hung up on.i would not recommend this card to anyone. You will be in more debt trying to catch up and pay back.
Oct 04, 2020
Verified Customer
Total Visa discontinued their covid program unlike most other credit companies so I guess I'll stay with those who helped and Total Visa will go in the trash.
They charge a high annual fee anyway so I'd rather use my Discover and Capital One cards anyhow.
So much for rebuilding my credit huh.
Thanks Government!!!!
They charge a high annual fee anyway so I'd rather use my Discover and Capital One cards anyhow.
So much for rebuilding my credit huh.
Thanks Government!!!!
Jun 23, 2020
Verified Customer
They decerve no stars, had their credit card for a year and then they started charging me $6.25 a month just to have their card with only a $300 credit limit with a 34.99% apr, they are crazy!!! Closed that account and would never recommend. STAY AWAY FROM TOTAL!!!
May 27, 2020
Not a great deal. I have had card for 12 months never been late, never extended card, paid early. Requested increase, declined stating I’ve had past late charges on other accounts prior to getting this card. My credit score has increased tremendously and was told the interest rate stays the same. There is no benefit to having this card other than to help with your credit in making payments on time. Be aware of annual fees and monthly fees, very steep. Again no perks or benefits worth having this card. Customer service is not very helpful either, they have a lot of “can’t do.”… show more
Apr 27, 2020
Verified Customer
I have had this total card for 7 months. I did read the reviews before I received but I also know that each experience is different. I love my card. Yes I paid the fees and will continue to pay them. They have given me a chance many other cards have not. I use the card sometimes just 50 dollars. Sometimes the full $300. But I pay on time the full amount every month sometimes 2 a month. And yes they do report to the credit bureaus i wouldn't admit all three but the main two that most do i have Credit Karma so that is how I know about those two. Yes I know that a year of having the card it will be a couple of fees and i am ready to pay them. I have it marked in my calendar the month before letting me know to make sure I don't use it but for gas so I won't go over limit. Responsible use is hard if you don't train yourself and you shouldn't spend the amount if you are unable to pay it with cash is just a tip I use... Thank you Total for this opportunity I look forward to having this card for years to come!!!… show more
Apr 25, 2020
Its ok for bad credit, but it seems my credit was doing fine without it. I pay my full balance off each month. I went 4 dollars over my balance and it flagged my credit report over limit. My credit score dropped alot of points i will pay it off completly close my account and deal with self lender. Its my fault my credit is bad but this is not helping if im reported for using the card or not using the card. There seems to be no sure way to rebuild ur credit if i get points taking away for simple things… show more
Apr 07, 2020
Verified Customer
If your credit is bad and you have not applied for a card in years and need somewhere to begin, then get this card and maybe one other. Don't use it, pay the fees they charge you, check your credit. After 6 months to a year, go to a Citi Double Cash card and close this account. That way you have a steady credit history. I will be closing this account in the near future, no real benefits besides building credit.… show more
10/25/20
FYI, you have to have excellent credit for Citi's Double Cash Back card. So six months with this card is not going to get you in that 800 range. And closing an account will cause a score drop because your credit age and utilization will be affected. You should use a card if you have bad credit... credit card issuers look at high and low balances. If you don't use the card they will pass on you because they won't make money off you. Also, in order to show responsible credit card use, you have to use it and then pay off the debt! Your advice should not be heeded.… show more
Mar 26, 2020
PURE EVIL! This card issuer, Bank of Missouri, is the DEVIL! If you're credit has taken a nosedive like mine did, then you have to start somewhere but this card is the worst imaginable. Discover has the BEST second chance card in existence and they treat you like a human being. DO NOT GET THIS CARD
Feb 27, 2020
This card sucks, I would not recommend this card unless you plan on canceling it within the same year, the customer service sucks, they just had a data breach for customers using cards at Wawa‘s gas station, they didn’t send out new cards to customers, This card actually did not help my credit it helped me hurt my credit, and did I mention the customer service sucks
Jan 06, 2020
This is the worst card ever. I make two payments a month and they still charge a late fee. The rep told me it’s only considered as lowering your balance not an extra payment. I’ve never heard of this with anything I’ve paid. Paying this off and done. DO NOT RECOMMEND THIS IS ONE OF THE WORST. Zero stars
02/07/20
I'm confused. If you have a minimum payment of let's say $60 and you make two payments of $20 during one month's statement cycle, then you did not meet the minimum payment by the due date and thus, you will be hit with a late fee. It's not the number of times you pay, it's the amount you pay.
Also, if you pay the minimum amount before the due date and pay another amount before the next statement date, that second payment does not count as a payment for the following month--you are just lowering your balance of the current statement cycle. Hope this helps!… show more
Also, if you pay the minimum amount before the due date and pay another amount before the next statement date, that second payment does not count as a payment for the following month--you are just lowering your balance of the current statement cycle. Hope this helps!… show more
Dec 24, 2019
Verified Customer
I love Total Visa it is the perfect card to help you build or fix your credit all you have to do is pay your bills on time! People that give bad reviews don’t know how to play adult cause they’re all out front with EVERYTHING
Dec 09, 2019
Verified Customer
charged me $39.00 late fee because their stupid website was inoperable.cut card up into tiny pieces. done!guess what?2 weeks later its still inoperable.hasnt anyone else reported this scam? i cant be the only one.
Dec 04, 2019
Verified Customer
Apparently they don't serve NY residents. Fantastic. So what do I get out of this? A new inquiry onto my credit report and nothing more. There goes my progress...if you DON'T live in Missouri, which is where this card apparently comes from based on the company name "Bank of Missouri", DO NOT APPLY FOR THIS CARD!!!
Dec 03, 2019
Verified Customer
I have been inpatient in the hospital and they wont wave the late fee because they already waved 2. I have documentation supporting so they just want more money. Im reporting to the consumer credit dept. Its beyond my control but do pay every month.
02/07/20
Some companies will waive a late fee once per year as a goodwill gesture. THREE late payments indicates a history of paying late. I'm so sorry you were laid up in hospital but they are under no obligation to waive fees. It appears that since they have done so in the past, three's their limit.
Nov 05, 2019
By the look of the reviews. I normally don't go by everyone reviews because everybody has different experience and some folks just be complaining because they don't want to pay etc. I have not seen 1 review that makes me feel great to pay this $89. I will be cancelling.
Sep 30, 2019
Lie, It denied me so it does not approve everyone with bad credit. It is very misleading and now I have this on my credit report going against it. Very unhappy! I just got approved by capital one instead and you do not have to have an annual fee or have to pay anything up front and my 1st payment isnt due until the end of October.
10/25/20
If this credit company denied you then your credit is pretty awful.... one inquiry isn't going to make it even worse. Also, where does it say it approves everyone?
Sep 25, 2019
Stay away! $89 start up fee plus $75 dollar annual fee just for a $300 dollar limit! Hahahahahaha NEVER! You are better off getting a secured mastercard through Capital One! You pay $200 to start but that whole $200 is yours and eventually becomes refundable if you dont use it! This card is a waste of time and a joke and is just out to take advantage of desperate people with bad credit trying to rebuild credit! Such a shame!… show more
Sep 03, 2019
Horrible customer service, promise one thing and then say that it’s not possible. Their is no app making you use your browser every time, does not always accept payments on first try even with all correct information. AVOID AT ALL COSTS
02/15/20
I haven’t had any problems making my payments online. And the cost service was ok. You can always pay over the phone tol
Aug 23, 2019
Your payments thane up 21 days to be process at Total. Even though they take the money out of your bank the same day. Rip off!!!! I will pay them off and never bam again with them! That is absolutely ridiculous! They just hold your money while they make money off your money in the form of interest.
10/25/20
OMG...if you pay for something with a check, stores won't give cash refunds unless 7-10 days have passed. They want to make sure the check goes through. Same thing with a credit card... if you make a payment via checking or savings account, why would you expect them to extend the credit before making sure the payment cleared? Use your debit card,,,, it goes through within 24 hrs.
03/08/20
Only ACH payments have up to a 14 day hold. If you listened to the activation prompts it would’ve told you if you make a payment by a checking or savings account it has a 14 day hold.
02/15/20
Use your debit card. It comes out in 24 hours. I’ve never seen this. Stop giving misinformation
Aug 18, 2019
I got an alert on my credit report. This stupid company submitted to Transunion saying i went chapter 7 Bankruptcy. And i didn't. Im in the middle of buying a home with excellent credit and they screw me over with a false credit mark. If this screws my home buying up. Im suing them in the hardest way!
May 29, 2019
If you absolutely have no other options. Personally have had no issues with payments, or using the card. Just expensive, now no cli for a year and you have to pay for one. Gave the option accept these terms or your account will be closed. It will help you rebuild.
May 16, 2019
I would not get this card. If you would like to rebuild you credit. Here is a way to go. I had bad credit still have. I applied for a 200.00 dollar secured Discovery IT card. I used every month my fico score was 610. I also paid it of every month. After 7 month I got my security deposit back and my credit line got increased to whopping 2000.00. I have no annual fee so far have not paid any interest yet. I also got now two capital one CC with no annual fee. My score right now is 595. That is because i Replace the bad ones with good ones. With other word I get rid of the bad apples........… show more
02/07/20
I have the Discover It (non-secured) Cash Back card and I love it. I asked my college-aged students to apply to their secure card to build credit. Discover is a great card and treats you like a king. I only hope everyone else gets the opp to get their card, secured or not. Their app is outstanding! And you can pick what day to pay your bill!
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Last updated on: Mar 24th, 2021 at 10:31 ET
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Mar 24th, 2021 at 10:31 ET