The Total Visa Card is a very convenient credit card that has many benefits. There are some common misconceptions associated with this card, however, that need to be cleared up before you apply.
The Total Visa Card is unsecured; therefore, no risk is involved. You can possibly qualify for this card if you have very poor credit and receive a high credit limit of only $300 with no need to put any of your own money down. The only real benefit you will receive from using the Total Visa Card is the ability to purchase items online through a Visa ecommerce site, which allows you to pay for your purchases by using your credit card.
This card is offered by a company called Citibank and offers you the option of paying with your Visa credit card or any other major card. They make it very easy for people who live in the U.S. to use their card, since it can be used online at any Visa ecommerce site. This card does not require a deposit, either. You can use this card without spending any money on interest or fees, and you will get a high credit limit.
If you do decide to apply for this card, you will need to provide the bank with two forms of identification: a driver's license and a social security card. This information should be in the state where you live, which can help the credit bureaus to find out if you are who you say you are.
The interest on your card will usually start to accrue once you start using it, but you won't notice it unless you start spending a lot of money with it. The card is very flexible when it comes to earning rewards. You may earn reward points for purchasing items, opening new credit accounts, and participating in special promotions. The only things that this card won't offer air travel rewards and airline miles.
One of the benefits of the Total Visa Card is the fact that there is no annual fee. All in all, it's a good way to build up your credit while building a positive reputation as an important customer.
You will find that there are several other cards that are similar to this one, so be sure to compare them before you make your decision on which one to apply for. In addition to being offered online, there are also cards that you can obtain at many retail stores such as Wal-Mart and Target.
You will also want to know how you are going to pay your balance each month, so that you know how much you have left after applying for the card and what you will pay back each month. Make sure that you choose a card with a low annual percentage rate. This means that you can pay off your balance in a year or two instead of over the course of several months.
Once you have a card, you will not be disappointed when you get the credit you deserve. If you are like most Americans, you probably have many credit cards in different names or accounts. There are some very important steps you can take to ensure that you get the card you deserve.