Total Visa Review

Is your credit a little less than perfect? The Total Visa credit card is for those that have slipped in the past in paying some bills. If you have had difficulty gaining approval for other cards then you should apply for the Total Visa, it's a card designed for people with bad credit.

Here is an overview of what the Total card offers:
Some of the lowest service fees on a card for folks with bad credit. As a person with credit that is a bit on the bad side, this is an excellent credit card because it is simple and doesn't have any extras that wind up costing more. It's a credit card that is designed to help people with bad credit restore their credit score. If your credit ain't perfect then you are going to be paying extra fees (a cautionary measure banks use to ensure they don't lose money), however if you are responsible with the Total Visa you can rebuild your credit and qualify for rewards and low rate offers within 6 to 9 months (it doesn't take very long to re-establish your credit).

Total Visa Credit Card Application
The Total credit card is a top pick by me for those with bad credit. No perks, no extras, just a credit card that is going to help you increase your credit score.

Alternate Option - Access Visa

The Access Visa credit card is equally as good for rebuilding credit as the Total Visa (although the Total card scores a slightly higher rating based on consumer feedback)

The Access Visa is offered by Plains Commerce Bank. This is a Visa card that will help you restore your credit rating because it reports to the bureaus. Having said that, I always take a moment to remind you that you must pay your bills on time in order to gain points on your credit score. (Hint: On festive outings, leave your credit card at home).

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