Total accsess visa, plains commerce bank need information?

as long as you pay the fee's they are ok... it's pretty bad credit card, you have to pay so much initially and I think the minimum payment until it's paid off is $50, and you get charged interest, plus account maintainence fees, but if you are trying to build your credit, the just use it like once a month and pay the thing off immediately.

I've never heard of a credit card being activated by a cell phone...there's no way to verify ownership of a cell number. When you get new cards in the mail that are legitimate, the sticker on them clearly says to call from your HOME phone to activate. This number is cross referenced to your credit card application and is authenticated that way. This is clearly a scam....you may want to check your credit reports to if there's anything else going on. Also, report them to your state's attorney general. You may want to wait until you get your statement, because there is an annual fee of $48, set-up fee of $56, program fee of $96 and $8 a month that if you just ignore will incur late fees and end up at collections. Better to put a stop to it right away. You can get more info by googling Total Visa. They have a pretty cheesy website.

The link below gives info on all the best VISA deals available currently from a range of different places but Total Access is not included.

Maybe you should consider a card from a better known issuer with more of a reputation?

Some of the more obscure cards suck people in with reward plans and low introductory fees or rates, but usually work out to be worse deals in the long run.

Reward plans are, by default, designed to manipulate people out of their money. To "win" at this game, you have to be a very unusual customer and know the rules inside and out.

For example, I always make money on extended warranties, but I know what I'm doing. For most people, they're a waste of time.