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Total Visa Unsecured Credit Card Review & Card Details

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September 4, 2021
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There are tons of credit cards out there – but not many options for folks with poor credit, or no credit at all. There are a couple options, though – one of which is the Total Visa. Keep reading for our Total Visa Unsecured Credit Card review.

Total Visa Unsecured Credit Card Review

Total Visa Unsecured Credit Card Review – Basics

  • For people with low/no credit
  • Does not require a security deposit (unsecured)
  • Does not earn rewards
  • Initial credit limit of $225, with options to raise over time
  • $89 one-time processing fee for starting your account
  • $75 annual fee first year; $48 per year after first year
  • $ 0 servicing fee first year; $75 per year after that
  • $29 annual fee for additional card

Who is it For?

This card really only makes sense for folks who don’t have many other options. Even if you have poor credit, there are good odds of getting approved for this product. And because you don’t have to do a security deposit, the upfront cost is a bit lower.



With that said, the fees on this product are pretty brutal. See the full review below for more info.



Total Visa Unsecured Credit Card Review

This card has extremely high fees. In the first year you’ll be hit with the $89 initial processing fee, plus the $75 annual fee, for a total of $164. In the second year, you’ll have the $48 annual fee, plus $75 servicing fee.

Honestly, that’s too many fees for a card that only offers an initial credit limit of $225. You technically get a $300 initial credit limit, but the annual fee hits right away, reducing your available credit to $225 before you even get the card in the mail. You can see the full terms of this card here.

The big “perk” of this card is that it’s unsecured. There are other unsecured cards with better terms, however. Plus, you may be better off using a secured credit card anyways, particularly considering the high fees of this card.



Think about it this way: A secured card might require you to deposit $300 in order to get a $300 credit line. The money remains yours, locked in an account you can access later. With the Total Visa, you don’t have to make that security deposit – but, you have to pay $89+$75 up front in fees, money which is no longer yours.

For most people, a quality, low-fee secured credit card like the Discover IT Secured is  a far better option.

Thanks for reading our Total Visa credit card review! Leave a comment if you have any questions.

Refinance Student Loans and Save Money?

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September 4, 2021
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The average student graduates college with more than $30,000 dollars in student loans.

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Borrowers don’t always realize that their loans are costing them more than they think.

Interest is tacked on to the loan amount (i.e., principal) making the total cost of the loan greater.

While there is no way to eliminate student loan debt without paying it off, there are some tactics to reduce the overall cost of the principal and interest combined.

One way is with a student loan refinance.

Depending on how long you’ve been out of school, your annual income and credit history is likely to have improved.

By refinancing your existing student loans you may see a dramatic reduction in your interest rate – even a few points.

With only a few exceptions, it is generally advisable for all student debt holders to at least explore a refinancing scenario, especially since getting your rate through LendKey’s platform will have no impact on your credit score.

Refinancing student loans allow you to do a few things.

loans

If you have multiple loans, you can combine them into one brand new loan making it more convenient to stay on top of personal finances.

You’ll also sometimes have the opportunity to release cosigners on your existing loans eliminating them from any liability for your loans.

But probably most exciting is the opportunity to save money. With a student loan refinance, you are replacing all of your existing student loans (or a single student loan if you only have one) with a new loan with new terms.

By qualifying for a lower interest rate or reducing the payback period of the new loan, you could save thousands in interest over the life of the loan.

Is there a catch to refinancing student loans?

You still have to qualify for a loan to refinance.

However, the idea is that over time your credit score has improved and you are now bringing in a steady income with the degree you got.

A better credit score could mean more attractive loan terms and rates.

With a steady income, you would also be viewed as a lower-risk refinancer.

You would need to carefully consider when refinancing federal student loans though because they often come with benefits, such as loan forgiveness in certain career paths.

When refinancing, you’d lose those student loan benefits—so decide whether or not you’d use any of them before refinancing.

How to Refinance?

Depending on the type of loans you have, there are two options when refinancing your student loans.

If you have only federal student loans, refinancing is usually done through the Federal Direct Consolidation Loan Program offered by the government.

If you have private student loans, you’ll have to go through a private lending institution such as a bank or credit union.

Finally, federal and private student loans can both be combined into a single new loan with better rates, better terms and one easy-to-keep-track-of bill to pay every month.

However, it must be done through a private bank or credit union. Keep in mind that refinancing federal student loans will eliminate the benefits that come with them.

When you’re ready to get started, LendKey can help you navigate your student loan refinance through our network of more than 300 credit unions and community banks.

Refinance Student Loans and Save Thousands?

By
-
September 4, 2021
0

The average student graduates college with more than $30,000 dollars in student loans.

Apply Now

Borrowers don’t always realize that their loans are costing them more than they think.

Interest is tacked on to the loan amount (i.e., principal) making the total cost of the loan greater.

While there is no way to eliminate student loan debt without paying it off, there are some tactics to reduce the overall cost of the principal and interest combined.

One way is with a student loan refinance.

Depending on how long you’ve been out of school, your annual income and credit history is likely to have improved.

By refinancing your existing student loans you may see a dramatic reduction in your interest rate – even a few points.

With only a few exceptions, it is generally advisable for all student debt holders to at least explore a refinancing scenario, especially since getting your rate through LendKey’s platform will have no impact on your credit score.

Refinancing student loans allow you to do a few things.

loans

If you have multiple loans, you can combine them into one brand new loan making it more convenient to stay on top of personal finances.

You’ll also sometimes have the opportunity to release cosigners on your existing loans eliminating them from any liability for your loans.

But probably most exciting is the opportunity to save money. With a student loan refinance, you are replacing all of your existing student loans (or a single student loan if you only have one) with a new loan with new terms.

By qualifying for a lower interest rate or reducing the payback period of the new loan, you could save thousands in interest over the life of the loan.

Is there a catch to refinancing student loans?

You still have to qualify for a loan to refinance.

However, the idea is that over time your credit score has improved and you are now bringing in a steady income with the degree you got.

A better credit score could mean more attractive loan terms and rates.

With a steady income, you would also be viewed as a lower-risk refinancer.

You would need to carefully consider when refinancing federal student loans though because they often come with benefits, such as loan forgiveness in certain career paths.

When refinancing, you’d lose those student loan benefits—so decide whether or not you’d use any of them before refinancing.

How to Refinance?

Depending on the type of loans you have, there are two options when refinancing your student loans.

If you have only federal student loans, refinancing is usually done through the Federal Direct Consolidation Loan Program offered by the government.

If you have private student loans, you’ll have to go through a private lending institution such as a bank or credit union.

Finally, federal and private student loans can both be combined into a single new loan with better rates, better terms and one easy-to-keep-track-of bill to pay every month.

However, it must be done through a private bank or credit union. Keep in mind that refinancing federal student loans will eliminate the benefits that come with them.

When you’re ready to get started, LendKey can help you navigate your student loan refinance through our network of more than 300 credit unions and community banks.

Fifth Third Bank Credit Card Reviews

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September 4, 2021
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Fifth Third Bank is a large chain of banks headquartered in Cincinnati, Ohio. They offer a wide range of banking products to their customers, including several credit card options. Find Fifth Third bank credit card reviews below to see which one might be right for you!

fifth third bank credit card reviews

Fifth Third Bank Credit Card Reviews

Fifth Third offers several different credit cards. We’ll review them below.

Trio Credit Card Review

  • 3% cash back at restaurants
  • 2% cash back on gas, grocery and drug store purchases
  • 1% cash back on everything else
  • $100 signup bonus after spending $1,000 in the first 3 months
  • No annual fee
  • Full info here

Our Verdict:

Overall, the Fifth Third Trio credit card is pretty solid. It has no annual fee, so it’s a good option to keep long-term, and it has a decent signup bonus of $100. The 3% cash back on restaurants is great for folks who like to eat out and don’t hold any premium credit cards.

Truly Simple Credit Card Review

  • Does not earn rewards on purchases
  • 0% introductory APR for 15 months (purchases and balance transfers)
  • No penalty APR for missed payment
  • No annual fee
  • Cell phone insurance when you pay your cell bill with your card
  • Full info here

Our Verdict:

Overall, the Truly Simple card is really only good for folks who have existing credit card balances that they are looking to transfer to a new card to save money. The 0% APR for 15 months could save you a decent amount. That said, the card does not earn any rewards on purchases, and doesn’t offer many perks past the initial promo APR.

Stand Up To Cancer® Credit Card Review

  • Earns 1 point per $1 spent on all purchases
  • Redeem points for charitable contributions to Stand Up to Cancer
  • Or, redeem for gift cards and cash deposits
  • 0% intro APR for 12 months
  • Cell phone insurance when you pay your bill with your card
  • No annual fee
  • Full details here

Our Verdict: 

Overall, this is a good card to consider. It earns Real Life Rewards, which is the same rewards currency for Fifth Third’s other products. Points can be redeemed for charitable contributions, but they don’t have to be. This is essentially just a 1% cashback card with no annual fee.

Lastly, Fifth Third also offers a Secured Card for folks who need to build or rebuild their credit.

Hopefully these Fifth Third credit card reviews have helped you find the card that’s right for you. Didn’t find what you were looking for? See our guide to The Best No Annual Fee Credit Cards for Everyday Spend.

Redeem BCBSNC Blue Rewards UseBlueRewards.com

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September 16, 2021
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UseBlueRewards.com allows a card member to redeem Blue Rewards online!

How to redeem rewards using UseBlueRewards.com?

  1. Navigate to www.usebluerewards.com
  2. Sign in to your Use Blue Rewards Account
  3. View your total balance
  4. Pick out the gift card of your choice
  5. SPEND!

Also, note that Use Blue Rewards is designed only for members of the Blue Cross Blue Shield of North Carolina Blue Rewards Health & Wellness Program.

In order to create an account, the user will need their Blue Rewards Member ID.

Hence, this ID should have been given to the employees at the time of hire by there HR department.

Not a member?

Check out these credit card offers instead:

  • GetMyOfferCapitalOne – The best line of credit cards on the planet!  Capital One credit cards include the Savor, Venture, and Quicksilver card.
  • Double Your Line Visa Credit Card – Only apply for this credit card if you are looking to improve your credit score and are having a tough time being approved for a more traditional credit card (i.e. American Express Gold, Chase Freedom, Capital One Savor card)

UseBlueRewards.com Reward Notes

  • If you do not have enough points you will not be able to receive a gift card
  • You can redeem certificates by clicking on the “Rewards” button
  • An email address is required to create a Blue Rewards account
  • E-gift cards are sent to you digitally in your rewards account, so that you may access them immediately after you have placed your order
  • Standard gift cards are mailed and will ship from our warehouse within 5 business days after your order is placed
  • Delivery time subject to US Postal Service delivery process and could be delayed due to weather or holidays

Also, note e-gift card associated with the Blue Rewards program does not have to be printed in color (good old black and white will do).

Any questions or concerns in regards to usebluerewards.com can be directed to a customer service agent at 855-499-1577.

You may also email our customer service department at customerservice@usebluerewards.com.

Finally the Use Blue Rewards URL

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