Review of the Total Visa

The Total Visa was last reviewed on 9th July 2006

Summary - The Total Visa from Plains Commerce Bank is designed for those with poor credit. Find out if this is the right card for you.

Fee - The Total Visa is a sub-prime card targeted at those with not so good credit. Once you get approved for this card, there is an account set-up fee of $56.00. There is also a program fee of $96.00. The annual fee is $48.00 and there is also a monthly participating fee of $8.00 (which works out to $96.00).

The apr is a fixed rate at 19.92% for both purchases and cash advance. The average daily balance method is used to calculate monthly balance. The grace period is 25 days, which is longer than the standard 20 days that most credit cards give.

Verdict - The Total Visa® Card will appeal to those have bad credit and want to get an unsecured credit card. There are some upfront fees and the total annual fees is quite high. But if you have difficulty getting an unsecured card, you may want to give this card a try.

Total Visa Card
Cost/Fees/Interest rates
Annual Fees $48.00
Monthly Participating Fees $8.00 per month
One-time Setup Fees $$56.00
Program Fees $$96.00
Purchase APR 19.92%
Cash Advance APR 19.92%
Penalty/Default Rate APR 19.8% fixed
Min Finance Charge $0.00
Grace Period 25 days
Balance Calculation Method Average Daily Balance (including new purchases)
Cash Advance fee 3%, min $15.00
Other Cash Advance fee 3%, min $15.00
Over-the-credit-limit fee $29.00
Late Payment fee $29.00 - less than $1000
$35.00 - $1000 or greater

Apply for the Total Visa® Card

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