Is the total visa a good credit card for people with bad credit

[strong_lady]

I already have a Orchard bank card that I im good standing with for over 6 months now and wanted to try for Total visa .. is this a good credit card for bad credit .  My highest score right now is 544 and my lowest score is 440..

Or should I just wait and bring my score up by getting on PFD's which I am working on as well as GW's?

Thanks

Strong

[Creditaddict]

I vote no! I had it... your CLI are $25 once a year!!! the card is never going to go anywhere.

how about a secured card through National City or Bank of America 

[strong_lady]

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@Creditaddict wrote:

I vote no! I had it... your CLI are $25 once a year!!! the card is never going to go anywhere.

how about a secured card through National City or Bank of America 

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Creditaddict

Applying to BOA does that put a hard inquiry on your CR... I have heard that and if so by how many points do you think?  What about National City?

Thanks

[Anonymous]

It can be a good card in a pinch, but the fees scare me. I would suggest checking out the BOA secured cards and maybe Cap1.

[Creditaddict]

all credit cards are going to pull credit reports, and not to sound harsh but with score below 550 you probably won't see much negative from applying for a couple cards, I would think any new positive accounts would give you BIG BOOSTS!

I have been there before I should add!! the lower your scores, the faster they seem to climb when you start doing the right things. 

Message Edited by Creditaddict on 12-29-2008 09:15 PM

[laz98]

not worth it.  if you go to my profile, you can see my posts about this card.  go with ANYTHING ELSE.