Total Visa – How to apply

By Raquel Oliveira • 03/18/2025

Total card Rebuild or establish a good credit history.

The Credit Card Total Visa is a financial tool designed for individuals who aim to rebuild their credit history efficiently and responsibly, offering opportunities to regain financial stability through controlled spending and timely payments.

With an easy and accessible application process, the card allows users to start their credit journey anew, regardless of previous financial challenges, making it an excellent option for those needing a second financial chance.

Although the card comes with initial and monthly fees, these should be viewed as an investment toward future financial stability, helping users gradually improve their credit scores by maintaining consistent and responsible payment habits.

This article provides a comprehensive overview of how the card works, highlighting its key benefits, potential drawbacks, and offering a simple step-by-step guide on how to apply and make the most of its features.

How Does the Credit Visa Total Work?

The Card Total Visa operates in a manner similar to a credit card conventional, but with features designed for those who have a credit history to be committed.

Unlike other options, it does not require a high credit score, making it easier for their approval. Once approved, we require payment of an initial fee to activate the card. Then, holders may use your initial credit line to make purchases and payments.

It is important to note that this card includes a monthly fee, so that the responsible use is key to avoid additional costs.The true value of the Total Visa lies in its ability to report payment history to the credit bureaus.

This means that the users have the opportunity to improve your credit score by making payments on time and keep balances low.

Main benefits of Credit Card Total Visa

• Protection against fraud: The Total Visa provides additional security to ensure that every purchase is safe, providing peace of mind on every transaction.
• Quick and easy access: One of the biggest attractions of the Total Visa is its inclusive approach. It is designed for people with a credit history is limited or damaged, allowing that may be approved without the need for a high score.
• Improvement active credit history: All payments made with this card are reported monthly to the major credit bureaus, which helps users build up a better credit score with responsible use.
• Global acceptance: The card is accepted at millions of merchants worldwide, which makes it a convenient option to make daily purchases, and manage expenses.
• Financial management simplified:it Includes a mobile application intuitive which allows holders to review your transactions, make payments and manage your account from anywhere, promoting a financial management efficient.

What is the Credit Card is suitable for you?

The Total Visa is ideal if you are looking for a practical solution to rebuild your credit. It is specifically designed for people with a credit history is limited or negative, offering a pathway to restore its financial position.

Although it includes start-up fees and monthly, its ability to report your payments to the credit agencies can result in a significant improvement in your score over time.

If you use the card responsibly, you will pay your balances on time and avoid interest unnecessary, maximizing the benefits of this financial tool.

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. 

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 Credit Card Total Visa?

Apply for the Card Total Visa is a quick and easy process that can be completed online in just a few minutes. Follow these steps:

1. Access the official website: Go to the official portal of the Total Visa and select the option to start your application.
2. Complete the application form: Provide your personal information, such as full name, address, email address and financial details basic.
3. Make the payment of the initial fee: To activate your card, it is necessary to pay an initial charge. This payment can be made online and it is a requirement to move forward in the process.
4. Review and approval: once you have completed your application, you’ll receive a quick response on approval. You do not require a credit score perfect, which facilitates the access to this card.
5. Activation and use: After approval, you will receive your card by mail. Then you should check it using the instructions provided and begins to use it to improve your credit history.

This process has been designed to maximize the accessibility, ensuring that even people with a history of financial complicated to get a credit card functional.

What makes it unique to the Card?

The Credit Card Total Visa stands out for its focus on inclusive and accessible. Designed specifically for people with a credit history is limited or damaged.

It offers a real opportunity to rebuild your credit without the strict requirements of other cards. Their ability to report payments to credit bureaus allows the owners to prove financial responsibility and improve your score over time.

Additionally, your acceptance at millions of merchants worldwide and its digital platform for management make it a tool moderna and efficient. It is a practical solution to regain control of your finances.

Conclusion

The Credit Card Total Visa is a great option for those who need to rebuild their credit.

With a request accessible, global acceptance, and report monthly to the credit bureaus, provides a valuable opportunity to regain control of your finances.

If you’re ready to take the next step towards financial health more solid, it asks for the Card Total Visa today. With responsible use, you’ll be on the path toward a financial future more stable and positive.