Total Visa – How to apply

By Marcos • 12/01/2024

Rebuild or establish a good credit history It is a journey that requires planning and appropriate tools and with the Total card you have an affordable and secure solution to take the first step in that direction. 

Designed to serve people with a low score or limited credit history, it offers a line of credit practice without requiring an initial deposit, which makes it easier to join.

It reports all credit activity to the three major US bureaus – Experian, Equifax and TransUnion – allowing responsible usage to positively impact your credit score. 

How Does the Credit Visa Total Work?

The Total card works in a different way, focusing on accessibility and encouraging responsible use. 

And unlike many traditional cards, it doesn’t perform a strict credit check. And to order, just go to a TNG store and ask for yours. 

This process helps the administrator assess your eligibility based on your current financial transactions, rather than focusing solely on your credit history. 

This innovative method allows more people to have access to the card, making it an inclusive option.

Main Benefits of Credz Visa Total 

With benefits that combine convenience, rewards and exclusive access, Visa Total card It is ideal for those who value practicality and real advantages in their daily lives. 

One of the great facilities provided by its international acceptance. With it, you can make purchases anywhere in the world, whether in person or online, allowing greater financial freedom. 

Furthermore, its contactless payment technology ((Approach and Pay)) offers speed and security in each transaction, eliminating the need to insert the card into the machine. 

Another highlight is the points program. For example: For every R$1.00 spent on your invoice, you accumulate points that can be doubled when shopping at Total stores. 

These points can be converted into exclusive discounts or benefits, encouraging the use of the card in partner stores. 

And personalized promotions together with special offers make the card even more attractive to consumers who value practical and economical rewards.

There is also the possibility of easily managing expenses through an intuitive application. With it, you can track invoices, available limits, due dates and much more, all at the touch of a button. 

Another important benefit is the possibility of using the card to hire services online. 

From streaming platforms like Netflix and Spotify to transportation services like Uber, the card is widely accepted, offering convenience in making recurring payments. 

To top it off, it is also possible to make withdrawals from ATMs throughout Brazil, ensuring quick access to money when needed.

Cons of Visa Total

Although the card is an affordable option for many, it also has disadvantages that must be carefully analyzed. 

The main negative point is the high fees, which include an initial issuance cost, annual fee and, in some cases, additional monthly charges. 

These costs can represent a significant impact on the budget, especially for those who use the card sporadically.

Another factor to consider is the initial credit limit, which tends to be low. Even if it is enough for small purchases, this can be an obstacle for those who need greater financial flexibility. 

APR and Fees

For the first three months, users are exempt from any annual fee, allowing for a cost-free initial experience. 

After this period, the annual fee is charged proportionally to the value of the invoice, with conditions that may even exempt the customer, depending on monthly consumption. 

The card follows Visa’s standard fees, which include a fee that varies between 0.123% and 0.147% on the transaction volume reported by the issuer. 

In addition, there is a national processing fee, with values ​​ranging from USD 0.0242 to USD 0.0122, depending on the volume and nature of the transactions.

For international purchases, in addition to the IOF (Tax on Financial Transactions), which is 4.38% on the total invoice, Credz Total Visa Card customers may also be impacted by a surcharge, which varies between 2% and 5%.

How to Apply for the Visa Total 

Request the cTotal art It is a simple and convenient process that can be done directly at a TNG store. When going to one of the chain’s stores, simply request the card, and the store team will carry out a credit analysis with Credz. 

Furthermore, if you have any questions or need help, Credz offers customer service channels, making it possible to contact the center that offers full support.

After approval, the cartão Credz Visa can be used in more than three million establishments. What’s more, when using the card at Credz partners, you can take advantage of exclusive discounts in several stores.