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Comparing Credit Card Offers
By Melih
New bankruptcy laws effective as of October 2005 will make it more imperative that you know how to best show for credit cards and understand the promotional Read more...
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Below, you'll find extensive
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Total Visa Credit Card - Pros And Cons
By George
If you have a history of bad debt, slow or bad debt or have a limited debt history you may have to start with a limited credit card, one with a low limit. These cards generally carry an application fee, but they do allow you to establish (or re-establish) credit after it's been damaged. Consistent payments lead to an improved credit history.
The Total Visaź Card, issued by Plains Commerce Bank, is designed for those with limited or damaged credit.
Although the card does not require a security deposit, it does have various fees applied to new applicants, which for the first year alone equal $296 (of this amount, $152 is applied for the first year only). Some applicants may prefer to pay the upfront fees as opposed to a larger security deposit; however, it is important to note that most of the fees applied are non-refundable (security deposits are usually refundable).
Pros - Most Attractive Features:
Does not require a security deposit.
The rate for cash advances is the same as for purchases, which is a rare benefit as the interest rate for cash advances is usually much higher.
Those who become active members of the will be glad to know that transactions will be reported to all major credit bureaus as an unsecured credit card.
Those who can afford to pay in full each month (to avoid finance charges) and do not mind paying numerous upfront fees may find the Total Visaź Card to be beneficial.
Basically a good way to start re-building your credit.
Can help obtain an unsecured by paying Total Card on time each and every month.
Cons - Least Attractive Features
Various fees applied to new accounts for the first year.
The
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Credit Cards And Their Rewards
By Joseph
A lot of credit card companies offer incentives to people with large debts. These include 0% balance transfers, 0% purchase rates and long term low interest rates on balance transfers. But people who Read more...
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Is Your Credit Rating In Danger?
By Joseph
People seldom know why they have been turned down for credit. In fact, it often comes as a shock. Some people don't find out till they are standing in a shop with a store card application in their Read more...
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