Total Visa Card
The Total Visa was designed for individuals with a low credit score. It is an unsecured card.
It reports to all the major bureaus monthly. With 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.
Removing negative credit should still be a priority and that will help improve your payment history.
Your card will have an initial $250 limit and a 19.92% APR. It is issued by Plains Commerce Bank and has an annual fee of $48.
There is a 19.92% APR for a cash advance, should you have a financial emergency. Also you will be eligible for a limit increase four times a year.
With our current economic conditions there has been a wave of good credit cards raising their APR's to 20% and higher. They have been doing this without cause, meaning the customer did not pay late.
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.
This card will give you free online account access and fraud protection. It is accepted everywhere you see the visa logo displayed. When you apply online you will have an instant decision.
We do suggest the Total Visa it can be a tool to use when rebuilding a low score, by reporting monthly to the bureaus. It provides a second chance to many.
It reports to all the major bureaus monthly. With 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.
Removing negative credit should still be a priority and that will help improve your payment history.
Your card will have an initial $250 limit and a 19.92% APR. It is issued by Plains Commerce Bank and has an annual fee of $48.
There is a 19.92% APR for a cash advance, should you have a financial emergency. Also you will be eligible for a limit increase four times a year.
With our current economic conditions there has been a wave of good credit cards raising their APR's to 20% and higher. They have been doing this without cause, meaning the customer did not pay late.
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.
This card will give you free online account access and fraud protection. It is accepted everywhere you see the visa logo displayed. When you apply online you will have an instant decision.
We do suggest the Total Visa it can be a tool to use when rebuilding a low score, by reporting monthly to the bureaus. It provides a second chance to many.
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