The Total Visa® Card is available for people with a bad credit score. That means people with a FICO score below 600 still have great approval odds. However, it’s important to note that while credit scores play an important role, other key data points are also taken into consideration. The issuer will also consider your income, outstanding debt, number of open accounts and other factors.

All new cardholders will receive an initial $300 spending limit upon approval. A credit limit increase is possible with responsible use and on-time payments for at least 6 straight months. Reducing all outstanding debt and updating the income information the bank has on file also play an important role in increasing the limit.

Checking the balance on your Total Visa® Card is simple and you can do so by logging into your account online. If you want, you can make a phone call to (877) 480-6988 and follow the instructions to learn your balance.

Yes. The Total Visa® Card reports all monthly payments and account activity to the three main credit bureaus in the country (Equifax, Experian and TransUnion). By using the card responsibly and keeping your credit utilization below 30%, you’ll be able to rebuild your credit score.