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In-Depth Credit Card Review: |
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Total Visa® from Plains Commerce Bank
You are one of those who have no or bad credit history. Do you think that your choice of plastics is restricted to secured cards only? There may be light at the end of the tunnel. Total Visa® from Plains Commerce Bank is an excellent offer for people with "less than perfect" credit history.
One of the main benefits of Total Visa® is that the bank monthly reports your payments to the major credit bureaus. It will help you build positive payment history and prove that you are a trustworthy and reliable customer.
Apply online for Total Visa® and you get an instant answer whether you have been approved or not. There is no need in a long tiresome waiting – save your time with Total Visa®!
Another advantage of this plastic is the possibility to increase your credit limit. It may be granted if your make on time payments for six months and your balance is not over the limit. You can ask the bank to review your account for a limit increase every 3 months. Moreover, there is no fee charged for the review or for a following increase in the credit line.
Total Visa® enables you to make on-line payments. So if you like purchasing online, this very plastic will perfectly suit you. And, what is important to know, Total Visa® is secured with fraud protection.
You will have a free 24-hour online access to your account. Thus you can view your transactions and check up the available balance at any time you want. It allows you to track all your purchases and manage your debt efficiently.
One more benefit of Total Visa® is outstanding customer service. If you have problems with the quality of goods or services that you purchased with a plastic and you have tried to correct the problems with the merchant, you may have the right not to pay the remaining amount due on goods or services. It is amazing, eh?
Total Visa® is the plastic that takes care of its holders’ expenses! There are two limitations on this right: you must have made the purchase in your home state, or within 100 miles of your current mailing address and the purchase must have cost more than $50.
Now you see how beneficial Total Visa® can be. Apply online and start to establish a good payment history!
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| (Review Updated: March 04, 2008) |
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n/a Intro APR (* see notes for details)
19.92% Regular Fixed APR for Purchases
19.92% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: |
| Late Payment Fee: $29 |
| Over-The-Limit Fee: $25 |
| Cash Advance Fee: Each time you obtain a Cash Advance, we will impose a transaction fee of $5 |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: None |
| Additional Nones: None |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Total Visa Card: |
Instant On-Line Decision.
Free 24 hour Online Account Access.
Monthly Reporting to All Major Credit Bureaus.
Fraud Protection.
Outstanding Customer Service.
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| Important Notes for Total Visa Card: |
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Total Visa Card was updated on March 04, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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