I would suggest to stay away... Even CreditOne seems reasonable next to Total.
$89 one-time program fee
$75 annual fee for the first year
$123 in fees starting year two
High APR - like 35%
Might not have a choice. Still waiting on Merrick Bank to see if I got approved. I think I'm going to call them.
I think I got approved by CreditOne. I supposedly got "instant approval". It came back quickly and said I was approved for $400 after verification of my info. So we'll see.
I screwed all the major banks so don't really have a lot of options. I'm going to wait though and see what happens with the two above.