Total Visa from Plains Commerce Bank for bad credit

The Total Visa credit card is issued by Plains Commerce Bank and is meant for people with bad or average credit.

Credit Limit

The initial credit limit for the Total Visa Card will be $250. However, when you first get the credit card, a fee of $200 will be charged to it and so your initial available credit will be just $50. Your credit limit can be increased by $25 in six months without any charge if you fulfill certain conditions. These conditions ask you not to

Initial Fee

Initial fee is fee that is charged by the banks when they issue the credit card. So, as soon as the credit card is issued to you, this fee appears on your monthly outstanding balance.

  • Program Fee: $96
  • Account Setup fee: $56
  • Annual fee: $48
  • Account Maintenance Fee: $96 ($8 will be charged on your account every month)

The above fee will reduce your available balance when you first receive the credit card (with the exception of account maintenance fee). This is fee that you must pay in order to get this credit card. There are some other optional fee that we discuss now.

Other Fee

  • Closed Account Maintenance Fee: $3.50
  • Transaction fee for cash advance: $5
  • Late Payment Fee: $29
  • Over limit Fee: $25
  • Return Payment Fee: $25
  • Easy Pay Fee: $7.95


The starting APR for this credit card is 19.92%.


Now that you know the fees and APR of this card, you are in a much better position to compare it to your other options and see what’s best for you. We hope that this summary helped you in making your decision and takes you one step closer to your search for the right credit card for you.

We have made every effort to ensure that the information here is accurate and up to date, however since these things keep changing, we encourage you to check the source of the full terms and disclosures. The fine print is not really all that hard to read!