When my credit was less then perfect, this creditor gave me a chance and I was so grateful for that. HOWEVER, my gratitude was not very long for this company. This Total Visa card is as generic as they come, no rewards, no cash back, not even a chip lol, but hey this is pretty much like a "starter card" for people new to credit or with bad credit. I have had this card for about 8 years and received 1 credit increase in that time, card always paid on time. Furthermore, I barely use it now because I have better cards and this company steadily charges a monthly fee, for a card with no use!!! This is not worth it!! You will be better off getting a Capital One!!
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