Pros

Accepts All Credit Types: The Total Visa® Card is open to applicants with any credit type, including those with bad credit.

Reports to Credit Bureaus: This card reports to all three major credit bureaus, helping cardholders build credit with responsible use.

Fast Application Process: The application process for the Total Visa® Card is quick and straightforward.

Managed Online: Cardholders can conveniently manage their accounts online, making it easy to keep track of payments and spending.

Cons

Processing Fee: Applicants are required to pay a one-time processing fee to open the account.

Monthly Servicing Fee: A monthly servicing fee is charged after the first year.

Annual Fee: There's an annual fee which, after the first year, is divided into monthly payments.

High Regular APR: The card has a high APR of 35.99%, which can be costly for cardholders who carry a balance.

Why Choose It

Despite its associated fees and high APR, the Total Visa® Card is a practical option for those with poor credit who are looking to build or improve their credit score. Its key strength lies in its acceptance of all credit types and its regular reporting to the major credit bureaus. The convenience of online account management and a fast application process also enhance its appeal. However, applicants should carefully consider the costs involved and ensure they can manage their payments responsibly to avoid the high APR charges. This card is best suited for individuals focused on credit-building above all else.