The Total Visa is a bad credit unsecured card. It was designed for individuals with blemishes on their credit report.
It reports to all the major bureaus monthly. By making on time monthly payments you can start to build a positive payment history.
This is a heavily weighted factor in your credit score. Additionally your utilization ratio is another large determining factor of your score.
This ratio is how the credit bureaus decide if you are in over your head financially. It compares your amount of debt to your amount of available credit.
It will help your score if you can show available credit. It is estimated that these two factors account for up to 70% of your credit score.
However it is still a priority to remove any negative marks from your report. This will help to show a positive payment history.
There is an initial limit of $250 and an annual fee of $48. It has a 19.92% APR, and is issued by the Plains Commerce Bank.
The cash advance APR is 19.92%, in case of a financial emergency. You will be eligible for quarterly limit increases.
Recently good credit cards have been raising their interest rates even with customers that are paying on time. These rates have been jumping as high as 28%, without cause.
Law makers have responded however these new laws do not go into effect until 2010. We have also seen the lending institutions tighten their requirements for approval.
Your card will have fraud protection and free online account access. Your card is accepted everywhere Visa is.
If you are able to use your card responsibly it can help a low score. However it can also harm even a low score with irresponsible use.
For this reason we feel that it is important for you to examine your budget before you make any decisions to take on a new credit line. - 16928
It reports to all the major bureaus monthly. By making on time monthly payments you can start to build a positive payment history.
This is a heavily weighted factor in your credit score. Additionally your utilization ratio is another large determining factor of your score.
This ratio is how the credit bureaus decide if you are in over your head financially. It compares your amount of debt to your amount of available credit.
It will help your score if you can show available credit. It is estimated that these two factors account for up to 70% of your credit score.
However it is still a priority to remove any negative marks from your report. This will help to show a positive payment history.
There is an initial limit of $250 and an annual fee of $48. It has a 19.92% APR, and is issued by the Plains Commerce Bank.
The cash advance APR is 19.92%, in case of a financial emergency. You will be eligible for quarterly limit increases.
Recently good credit cards have been raising their interest rates even with customers that are paying on time. These rates have been jumping as high as 28%, without cause.
Law makers have responded however these new laws do not go into effect until 2010. We have also seen the lending institutions tighten their requirements for approval.
Your card will have fraud protection and free online account access. Your card is accepted everywhere Visa is.
If you are able to use your card responsibly it can help a low score. However it can also harm even a low score with irresponsible use.
For this reason we feel that it is important for you to examine your budget before you make any decisions to take on a new credit line. - 16928
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For more about the Total Visa Credit Card or for a free credit repair consultation visit us or call 1-800-253-3735, or for a review of the prepaid Account Now Visa.
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