Searching for the best credit card to build your credit score? With many options out there, it can be tricky to decide. This thorough hands-on Taz credit card review tackles a popular credit-building card – the Taz Visa Credit Card.
Establishing strong credit is key to financial health, but where do you start when your score needs work? The Taz Card targets beginners with its guaranteed minimum $350 credit limit for approved applicants. This line of credit provides an entry point to demonstrate responsible spending and payment behaviors.
In this comprehensive Taz card review, we’ll uncover the upsides and downsides of the Taz Visa Credit Card to empower you to make an informed decision. What are the top perks this card advertises and where does it fall short for some users?
By weighing key factors like fees, transparency of terms, customer service reputation and more, you’ll gain insightful perspective.
Whether you’re researching your first-ever credit card or considering alternatives to rebuild credit, this analysis helps inform if the Taz Visa Card aligns with your needs. Let’s review how the unique features of this card could help or hinder progress towards your financial goals.
Key Takeaways: Taz Visa Credit Card Review
- Understanding Taz Visa Card’s Suitability: The Taz Visa Credit Card is primarily aimed at those with no or less-than-perfect credit, offering a guaranteed starting credit limit of $350, with potential increases. This positions it as an accessible option for beginners in credit building. However, it’s important to delve deeper into the card’s features and customer experiences to fully understand its suitability for your financial situation.
- Customer Service and Fees: While the Taz Card reports to all three major credit bureaus and is user-friendly, it has mixed customer reviews, particularly concerning customer service and fee structure. This includes a high APR of approximately 30%, a $49 annual fee, and a $20 fee for authorized users, impacting its overall value proposition.
- Pros and Cons of Taz Visa: The card’s pros include its guaranteed minimum credit limit and the ease of managing the account online or via a mobile app. However, it falls short in areas like rewards offerings and has been flagged for delivery issues and late fee structures.
- Alternatives to Consider: For those evaluating the Taz Visa Credit Card, it’s beneficial to consider alternatives such as the Discover Secured, Capital One Platinum, or Citi Double Cash cards, each catering to different needs in credit building and management.
Quick Links: Taz Visa Reviews
An Introduction – A Full Hands On Taz Credit Card Review
Here is a summary overview of what you can expect from a Taz card:
- Who is Tazcc good for? Taz Visa Card is designed for individuals with no or less-than-perfect credit, sometimes referred to as a “stepping stone card.” We all have to start somewhere, to establish and build our creit score.
- Who is the Taz credit card through? Taz is issued by First National Bank, through an agreement with Visa.
- What is the starting credit limit for Taz credit card? The Taz Card offers a guaranteed starting credit limit of $350 or more, making it a good option for those looking to build their credit. Everyone approved for the Taz Credit Card is guaranteed this limit. In addition, the card provides credit line increase opportunities, allowing users to potentially increase their credit limit over time.
- Does Taz credit card report to the credit bureas? Yes, Taz reports to all three major credit bureaus, which can help users establish or improve their credit history.
- Is it easy for me to manage my Taz Visa card? It is very easy – cardholders can manage their account online, make payments, review purchases, and set up alerts through the Taz Visa website or the Taz Visa Mobile app. Cardholders can even register for SMS text alerts related to payment notifications, account activity, collections, and security alerts
- Is Taz a good Credit Cards? The Taz Credit Card has mixed reviews, with some customers being dissatisfied with the service and others having a positive experience.
- However, some customers have reported issues with customer service and late fees. There are mixed reviews and some complaints about late fees and delivery issues, so it’s important to weigh the pros and cons before deciding if the Taz Card is the right choice.
|Taz Visa Pros
|Taz Card Cons
|Other Card Features
|Offers credit line increase opportunities
|Some consumers dissatisfied with Tazcc
|Reports to all three major credit bureaus
|Easy to use for everyday purchases
|Delivery issues reported by some customers
|Starting credit limit guaranteed at $350 or more
|Late fees if not paid in advance of due date
My Ratings And Review of The Taz Credit Card
|Late fees if payment not received in advance of due date
|No rewards offered
|Some customers report issues with delivery timelines
|Guaranteed minimum $350 limit at start
|Some complaints about reaching customer service
What Do Users On Reddit Think?
Unique Features & Pros of Taz Visa Credit Card
As a retired financial planner with over 25 years of experience, I have helped countless clients understand the ins and outs of credit cards like the Taz Visa. This card offers some unique advantages for fiscally responsible consumers looking to establish or rebuild their credit score.
Unique Features of The Taz Card
When weighing the merits of the Taz Visa Credit Card, key details stand out.
- As covered earlier, the card guarantees a minimum starting credit limit of $350-$1,500 for approved applicants.
- Second, it is known for being user-friendly and easy to use.
- Taz Visa, issued by First National Bank (which also issues Legacy and First National Visa Credit Cards), which is a somewhat reputable credit card issuer. I raise this point as this may raise concerns for those with past negative experiences with these institutions.
- Additionally, the Taz Card reports account activity to all three major credit bureaus – Equifax, Transunion, and Experian.
- The “Premium Club” associated with the card offers savings on everyday purchases, travel, and prescriptions, but details about membership fees or requirements aren’t fully disclosed.
Learn more about The History of Credit Cards here
As covered earlier, First National Bank issues the Taz Visa Credit Card. This longstanding financial institution does have a deep expertise managing credit accounts. Customers can expect reliable assistance from a bank focused on meeting account needs.
Taz Credit Card Starting Credit Limit is Typically Very Generous
As stated previously, the Taz Card provides new cardholders a guaranteed minimum credit limit of $350. The card’s maximum initial credit limit is noted to be $1,500. A few advantages of this initial spending capacity include:
- Establishing Credit History: The Taz Card empowers beginners to start building positive payment records. Learn more about How To Build Your Credit Score
- Covering Expenses: The $350 limit allows cardholders to pay for everyday purchases and unexpected costs without maxing out their available balance.
- Financial Flexibility: Customers have the freedom to utilize their Taz Card according to personal lifestyle needs and expenses.
- Potential Credit Line Increases: Maintaining good account standing may prompt Taz Visa to raise credit limits over time. Basically, if you stick to on-time payments and keep your outstanding balance low compared to the total limit, Taz Visa will very likely boost your credit down the road.
On Time Payments – Responsible Actions, Responsible Rewards
- Making on-time payments shows the card issuer you take your credit commitment seriously. Keeping your balance owed beneath 30% of the total limit demonstrates responsible usage.
- Both actions can bolster your overall credit health and may lead Taz Visa to incrementally raise your credit limit. This feedback loop allows your access to revolving credit to steadily grow in line with proven financial accountability.
- Flexibility in payment due dates is presented as a key feature, helping users manage multiple bills and avoid financial stress or late payments impacting their credit scores.
User-Friendly Mobile App
In addition to the starting $350 credit limit and potential credit line increases over time, the Taz Visa card offers mobile access for easy account oversight
- Convenient mobile app: The Taz Visa Mobile app allows you to access your account, check your balance, make payments, and view transactions from anywhere.
- Simple payment process: Making payments with the Taz Card is hassle-free and straightforward, ensuring a smooth transaction experience.
- User-friendly website: The Taz Visa Credit Card website at www.tazcc.com is designed with simplicity in mind, making it easy for you to manage your account and find the information you need.
- Customer support: If you ever have any questions or issues, the Taz Visa Credit Card offers reliable customer service to assist you.
Credit Bureau Reporting
While applying does involve a hard credit check, the Taz Card reports payment history to Equifax, Transunion, and Experian after account approval. This comprehensive reporting enables consumers to showcase responsible account management to build their credit score over time.
Combined with the guaranteed initial limit and credit line increase opportunities, the Taz Visa card can be an effective tool for establishing and improving overall credit health.
Related reading you may be interested in
Credit Score Booster
Boost your credit score with the Taz Visa Credit Card by consistently making payments and utilizing the credit line increase opportunities. This credit card can serve as a credit score booster, helping you improve your creditworthiness over time. Here are four ways the Taz Visa Card can contribute to boosting your credit score:
The Bottom Line
For individuals with limited credit history or less-than-ideal scores, the guaranteed initial credit line and pathway for future increases makes the Taz Visa Card worth considering.
Cons of Taz Visa Credit Card
When it comes to the Taz Credit Card, there are a few key points that you should be aware of.
- First, customer dissatisfaction seems to be a common issue with this card, as it has a low rating based on customer reviews.
- Second, some customers have reported delivery issues and never receiving their cards in the mail.
- The card has a high APR of approximately 30%, an annual fee of $49, and an additional $20 fee for authorized users.
- There are additional fees, including a 2% transaction fee for cash advances and late fees up to $25.
- And finally, late fees seem to be another concern with this card, with users mentioning the need to pay far enough in advance and never on the payment due date.
Common Complaints About The Taz Visa Card
When it comes to the Taz Visa Credit Card, one common complaint users have is about late fees. Users mention that you have to pay far enough in advance and never on the payment due date, regardless of the time on the due date. This can be frustrating for those who may forget or have difficulty making payments ahead of time. Here is a table summarizing some common complaints about the Taz Credit Card:
|High Annual Percentage Rate (APR)
|The Taz Visa Card has a high APR, nearly 30%. This rate significantly increases the cost of borrowing, especially if balances are carried over from month to month.
|There’s an annual fee of $49. Annual fees add to the cost of having the card, regardless of how much it’s used.
|Authorized User Fee
|Charging $20 for adding an authorized user can be seen as an additional financial burden.
|Cash Advance and Late Fees
|The card imposes a 2% fee for cash advances and late fees up to $25. These fees can accumulate quickly and increase the debt and loans load, adversely affecting credit management.
|Lack of Clarity on Premium Club
|The benefits of the “Premium Club” associated with the card are not clearly explained, including any potential costs.
|Connection with First National Bank
|Some users might have reservations due to Taz Visa’s association with First National Bank, especially if they have had negative experiences with the bank’s other products like Legacy and First National Visa Credit Cards.
Based on our research, it is difficult to say that the Taz Visa Credit Card is very good. Here are some reasons for customer dissatisfaction:
- Low rating: Tazcc has a 1.8-star rating based on 7 customer reviews of Tazcc.
- Late fees: Some customers complain about being charged late fees and having to pay in advance.
- Delivery issues: Reports of customers not receiving their cards in the mail.
- Lack of customer service: Some users mention difficulty reaching the Taz customer service number.
Considering these factors, it’s important to weigh the pros and cons before deciding if the Taz Credit Card is right for you.
Applying for Taz Credit Card
If you’re interested in applying for the Taz Credit Card, there are a few key points to keep in mind.
- First, you’ll need to follow the application steps provided by Taz Visa, either through an offer received in the mail or by requesting a copy of the Credit Card Contract.
- Make sure you have your personal information handy, as you’ll be required to provide it during enrollment.
Tazcc.com Credit Card Application Steps
Applying for the Taz Card is easy as long as you have received an offer in the mail. Simply visit their website and enter your Reservation Number and Access Code to start the application process.
To apply for the Taz Visa Credit Card, you can follow these steps:
- Check if you have received a Taz Credit Card offer in the mail.
- Go to the website provided on the acceptance form and enter your Reservation Number and Access Code.
- If you didn’t receive an offer, you can still apply by mailing in your acceptance form.
- Contact Taz Visa by mail or phone if you have any questions or need assistance.
Now you just wait for your Taz Visa credit card pre approval. If you didn’t receive an offer, don’t worry – you can still apply by mailing in your acceptance form.
The eligibility criteria for the Taz Visa Credit Card include being a US resident, meeting the minimum credit requirements, and being at least 18 years old. To be eligible for this card, you must fulfill these requirements:
- Reside in the United States.
- Meet the minimum credit criteria.
- Be at least 18 years old.
- Provide personal information such as your credit card number, social security number, and expiry date when enrolling.
Taz Contact Information
You can contact Taz Visa customer service at 888-803-6634. Or visit their customer service website at www.tazcc.com
Alternatives to Taz Visa Credit Card
When considering alternatives to the Taz Credit Card, two options to explore are the Discover it Secured Credit Card and the Capital One Platinum Credit Card.
- The Discover it Secured Credit Card is a popular choice for those looking to build or rebuild their credit. It offers cash back rewards, reports to all three major credit bureaus, and has no annual fee.
- On the other hand, the Capital One Platinum Credit Card is designed for individuals with average credit. It provides access to a higher credit limit.
- Low credit, want to build credit: Discover Secured Card
- Need quick card delivery: Capital One Platinum Card
- Want to avoid late fees: Citi Double Cash Card
Discover it Secured Credit Card
If you’re looking to build or rebuild your credit, you might want to consider the Discover it Secured Credit Card. Here are some reasons why:
- Cash Back Rewards: The Discover it Secured Credit Card offers cash back rewards on every purchase you make, helping you save money while building your credit.
- No Annual Fee: Unlike some other secured credit cards, the Discover it Secured Credit Card does not charge an annual fee, making it a cost-effective option for improving your credit score.
- Credit Bureau Reporting: By using the Discover it Secured Credit Card responsibly, your payment history and credit activity will be reported to all three major credit bureaus, helping you establish a positive credit history.
- Opportunity for Upgrade: After several months of responsible use, Discover may review your account and offer opportunities to upgrade to an unsecured card, giving you even more flexibility with your credit options.
Consider the Discover it Secured Credit Card as a valuable tool in your journey towards better credit.
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Capital One Platinum Credit Card
Now let’s discuss an alternative to the Taz Credit Card: the Capital One Platinum Credit Card.
- This card is designed for individuals with average credit and offers access to a higher credit limit over time. It does not require a security deposit like some other cards for people with lower credit scores.
- The Capital One Platinum Credit Card also provides the opportunity to build or improve your credit history, making it a suitable option for those looking to establish or rebuild their credit.
- Apply here
Pay Your Tazcc Credit Card: How to Make Payments
Making payments with the Taz Visa Credit Card is a straightforward process that can be done through various methods. Ensuring timely payments is crucial to avoid late fees and maintain a positive credit history.
- Online Payments: Cardholders can make Taz credit ccard payments online by visiting the official Taz Visa login at www.tazcc.com. Log in to your account using your credentials, navigate to the payment section, and follow the prompts to initiate a payment. You can typically pay your Taz credit card using a linked bank account or a debit card.
- Mobile App Payments: Utilize the Taz Visa Mobile App to make payments directly from your smartphone. Access the app, navigate to the payment section, and choose your preferred payment method.
- Automated Payments: Set up automated payments through your bank account to ensure that your credit card payments are made on time each month. This can be a convenient option to avoid missing due dates.
- Phone Payments: Some credit card issuers offer phone payment options. Contact the Taz credit card customer service number provided on the back of your Taz Visa Credit Card to inquire about this method and follow the instructions given.
- Mail-in Payments: If you prefer traditional methods, you can send in your payment by mail. Include your account information and a check or money order payable to the issuer. Make sure to send it well in advance of the due date to allow for processing time.
Conclusion: Making Informed Financial Choices With Our Taz Visa Credit Card Reviews
In conclusion, the Taz Credit Card presents a mix of benefits and considerations that individuals should carefully evaluate. The card’s guaranteed starting credit limit and credit line increase opportunities make it an enticing option for those seeking to enhance their credit profile. However, it’s essential to acknowledge the existence of mixed reviews and customer-reported issues regarding card delivery and late fees.
When contemplating the Taz Card option, it’s crucial to conduct a thorough self-assessment of your financial circumstances and priorities. Assess how the card’s features align with your needs and Financial Goals, taking into account your credit-building objectives and spending habits.
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Note: The content provided in this article is for informational purposes only and should not be considered as financial or legal advice. Consult with a professional advisor or accountant for personalized guidance.