Total VISA® Credit Card

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.

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!

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

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.

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!

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.

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........

Do not recommend at all. I'm sorry I ever got this card. As soon as I finish paying it off I'm closing it. You can not makeva payment as you want. 1 every 14 days. I must gave missed it in the fine print somewhere they mentiined it and made a second payment. They rejected that second payment then charged me a $27 fee for reversing it which flat out refused to reverse. I had 2 unauthorized transactuins on my card very little amounts $1 and one for 36 cents both they said I needed a police report to get a credit for. It would cost me more in gas to drive there. Customer service has inconvient hours and you email them and they tell you cant go over any account details via email. They have long hold times. The website doesn't work a lot of time. This is a horrible company.

Fees are too high. Lender is sub-prime which looks terrible on your report. You’re better off seeking a secured card with your bank or credit union. Overall the customer service was okay, the automated phone system is a nightmare and the website leaves much to be desired.

I love this Card. No complaints here great for rebuilding credit I. pay the balance off in FULL every month.. I. Def. Recommend this card for a BOOST in your Credit score.❤????????????????????????????????????????

I had an unauthorized charge on my account in September and tried calling them but could not get in contact with a customer representative. I finally sent the information that the automated message tells you to send, only to have them send me an affidavit to complete and have notarized. I do this and send it in. Then I receive a letter with another affidavit and more instructions for things I need to send in. I do this as well. Only to get a letter on January 2 stating that they have not received my information. I call and explain the situation the lady tells me I must submit a police report. I explain there is no police report (the charge was made in NY, I have never used the card in NY) and this is the only company that is stating this is required in connection with this charge. She then tells me I will be responsible for the charges.

Complete scam. They were hacked and my card was used in CA. I've never used the card, but because i didn't know it happened they except me to pay for it (LOOT CRATE). I believe its a sub company of theirs. which would make sense.

Reported stolen card yet keeps charging me and reporting as missed payments on all Credit reporting agencies. Very hard to actually get in contact with them as well. Absolutely a rip off of a credit card that’s supposed to help build credit

They are dishoy about raising your credit limit after six months. I paid this card in full every month. The 5th month, there was a payment error on their part, but I was told in the 6th month (when I applied for the increase) that even though the error was not my fault, I had to wait another six months to apply for and actually get, an increase. Poor customer service when trying to get them to take responsibility for their errors. Save your time and your money, and stay away from this card.

After a bunch of start up fee of ($189), a deposit of ($300), monthly fees ($6.95 per month), and annual fees ($44.00 per year), I have cancelled the card due to one big issue...I had one fraudulent charge on the card and disputed the charge on August 27 which I noticed on the next monthly statement September 22. After 18 days the card issuer finally sent me an affidavit for the dispute. This would have been great a month after the fact and if I was informed as to what needed to be done in the meantime such as; file a police report…as the affidavit is only valid for 25 days…the police report take roughly 30 days to process so I am now stuck paying for the charge that was auto drafted out of my account. I would never recommend a sub-par company like this to any one I know and I truly hope they go under.

Horrible. They won’t even dispute charges for you. Their policies are different they say. I called and had to talk to them 4 times for hours each time and their fraud department is a total joke. Very sad.

I first want to start this off by saying i have never wrote a review for anyone let alone for a credit card but i feel so compelled to save other from signing up i for this card that i feel obligated. THIS BY FAR IS THE WORST CREDIT CARD I HAVE EVER HAD. You can only use a payment method once a month. Let me explain you can only pay using your debit card once a month or you bank account can only be used once a month also which is crazy. But what really made me write this review is the fact that my card was comprised and i caught the first charge within a hour of them using the card. I called the card was canceled and i was issued a refund for the amount and a new card was sent out no big deal. I go to pay my bill this month mind you this transaction happened a month ago and i see that the charge was put back on my card. I call customer service and there is no longer an option to talk to some regarding disputes they want to send me out paper work to send back in to them. This is the kicker they are telling me it take 7 business days for me to get the paper work which means i need to pay out of pocket to cover the charge that was on my card. Now i understand if they called me and told me this but they never called and of course they waited until 2 days before my card reports to do this so i have to pay. Run run run please do not get this card i have other credit cards that are great but this card is like going back into the early 2000s and the rewards program is no existence.

No protection for your card. My card was used online for $200+ and now I have to fill out an ‘affidavit’, notarize it and mail it back! Sounds like the start of a nightmare. Ridiculous. Getting this fixed and will close my account.

Card is a bad card. A secured card is better. Card has a 28% rate, I’ve been burned twice by being close to the limit and they charge the annual fee. Shame on me. Went over credit limit because of it and lost 18 points off my fico score. Listen to me please! Get a primor secured with the 200 minimum limit and 9.9% fixed rate. It’s the gold one. The total card is just too expensive. Annual fees, monthly maintenance fees. Yeah you will build credit but at what cost?

they suck! have to always call don't have a pending balance... knew that I had only spent 150... but only had 15 bucks available.. where is the other money? their response sorry but we can't provide that information. WHAT? so your just as useless as the app... cancelled!

I pay on time and in full every month. Yet, they keep putting 14 day payment holds on my account. I never had a returned payment. Today, I called the company and spoke to a Quinton about my account. I expressed how, I used the last of my money to pay the account off, so it would cycle at a zero balance. I checked my account on Friday and I had available credit. When I went to grab dinner, all the funds were gone. Thankfully, I had a little money on me. The customer service was uncaring. I even told them to call my bank. I talked to Quinton and he said all i could do is email a bank statement and it will be off in 5 days, 5 days! He said he would try to expediate it. There was no explaination of why my payments have on hold. I have never missed or bounced a payment! Because of this company I have no money for the rest of the week. I have no idea what i am going to do! No one at this company cares and it's sad.

I lost my card and called in and cancelled it. It’s been a month and no new card. I was told they have run out of materials to print the new card. What card company runs out of plastic? They have no idea when I’ll get the new card. They have my deposit, but I have no card. Terrible customer experience.

I have had this card for a little over a year and I am very happy with it. It is doing a wonderful job at helping me rebuild my credit. I see a lot of bad reviews but I can assure you I haven't had any problems. If you keep an extremely low to zero balance each month, you should be good with this card because that is what I do. I make the payments manually through a checking account and I pay more than once so I never have a payment past due period! Even though there is a 21 day grace period I still do not pay late ever. I am happy to say that I got an email recently that I qualified for a credit limit increase and I followed the steps and waited to see if it increased and it did by $150 extra. It can be done if you manage it correctly as I am proof.

Well I got the total visa back in April I lost it within a week called customer service and they where quick to respond they order my new card and had it within a week customer service is great. The APR is very high I pay with my debit card and payment is updated with 24hrs it’s a good card to rebuild your credit my Fico score has gone up to 85 point in a month. Bottom line this card is good to rebuild your credit so far so good.

In a nutshell crappy card, crappy limit increases. I got this card when I started rebuilding my credit. High APR, monthly fee, and online is not user friendly. Serves its purpose as credit rebuilder nothing more. No incentives etc. I do not recommend unless you no other options.

I waited 1 hour to speak to a rep then it hung up on me! Their customer service sucks really bad. I want to cancel but they make things complicated for you. Don’t waste your time with these people. This is the longest I have ever waited in my entire life for something and it hangs up on me an hour later of waiting. Smh

I have the total Visa card for 13 months now . I love it . The reality is , if your credit is shot to hec you may not even qualify for a secured card such as cap one . I didn't at first because my credit score was in the 400's , due to extenuating circumstances 7 years ago out of my control . They have raised my limit last month . I pay off the whole balance , or I pay more then the minimum every month . My credit score shot up 250 points from just paying on time . But it's down slightly because I applied for some more credit . I'm looking forward to it going back up eventually . Customer service is fine .

My card just came in the mail. Is this card good for building credit? I’d rather not waste $89. I’m really trying to rebuild my credit after realizing how important credit is. I haven’t seen much reviews on this card in particular.

I had this absolutely WORTHLESS card with a $200 dollar limit about 15 years ago. DO NOT WASTE YOUR TIME. Go to a major bank and apply for one of their Secured Credit cards where you can raise your credit limit by adding more to your security account. TOTAL Visa will not let you change your credit limit. SUCH A CRAPPY card!!!! STEER WAY CLEAR OF TOTAL VISA.

Not a good card for rebuilding your credit