by Dan Moskel,
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UNITED STATES, Jan 04 — The Total Visa is an unsecured credit card. It has been designed specifically for those with a low credit score.It reports monthly to all three major credit bureaus. It reports monthly to the bureaus
T
he Total Visa is an unsecured credit card. It has been designed specifically for those with a low credit score.
It reports monthly to all three major credit bureaus. By making your monthly payments on time it will help you build a positive payment history.
This is a large part of your score. Additionally another big piece is your utilization ratio.
This ratio is how the credit bureaus decide if you are in over your head financially. It compares your amount of debt to your amount of available credit.
It will help your score if you can show available credit. It is estimated that these two factors account for up to 70% of your credit score.
It is still important to remove derogatory items from your report this will help with showing a positive payment history.
This card is issued by the Plains Commerce Bank a member of the FDIC. It has an initial credit limit of $250, and a 19.92% APR. There is an annual fee of $48.
They offer a 19.92% cash advance APR which is actually lower than many prime credit cards, in case of a financial emergency. They do give quarterly credit limit increases.
As of late, we have seen a rise in interest rates. This has been happening to customers that have never paid late, their rates have jumped to 20% and higher.
The government has responded and has passed laws to prevent this; however these laws do not take effect until 2010. Additionally many of these institutions are lowering limits across the board and tightening approval requirements.
Your card will have fraud protection and free online account access. There is an instant approval when you apply online, and your card is accepted everywhere Visa is.
In sum the Total Visa can help improve a damaged credit score. It reports monthly to the bureaus. Your score will also improve by removing negative items from your report.
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