To start, all qualified Total Visa® Card cardholders will receive an initial $300 limit (subject to available credit), though credit limit increases can become available and won’t have an added fee. So far as fees are concerned, you’ll need to pay the one-time $89 program fee after approval to open your credit card account.
Full Answer
Does total visa have a credit limit increase fee?
Your Total Visa credit card limit will be $300. They may grant credit limit increases after your account has been opened for six months if it was used responsibly. They do not mention a credit limit increase fee, so it's safe to assume you won't be charged one.
What is the total credit limit for the total Visa card?
The Total Visa Card’s credit limit is $300. A new cardholder’s initial available credit will only be $225, however, as the card’s $75 first-year annual fee is assessed upon account opening.
Do credit card issuers automatically raise your credit limit?
Many credit card issuers review accounts periodically and automatically raise the credit limit for cardholders who meet their criteria. While some credit card issuers automatically increase your credit limit, others will only raise your limit if you ask.
Is total Visa better than a secured credit card?
The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
Does the total Visa card give increases?
After 12 months with the card, you can request a credit limit increase, but keep in mind that there's a 20% fee if you're approved. In other words, if your credit line is increased by $100, you'll be charged $20.
How can I increase my total available credit?
Options for getting a higher credit limitMake a request online. Many credit card issuers allow their cardholders to ask for a credit limit increase online. ... Call your card issuer. ... Look for automatic increases. ... Apply for a new card.
What is total credit card limit?
Your credit limit is the maximum amount of money you can charge to a credit card before you face a penalty. A credit limit may also be known as a line of credit, credit line or spending limit. However it is referred to, the higher your credit limit, the more overall credit you have to rely on.
Does visa increase credit limit?
You can request a Total Visa® Card limit increase after 6 months with the card, by calling customer service at (877) 480-6988.
What is the highest credit card limit you can get?
The highest credit card limit you can get is over $100,000 according to anecdotes from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
What is considered a high credit limit?
A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.
What credit limit can I get with a 750 credit score?
$1,000-$15,000The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren't solely determined by your credit score.
What credit limit can I get with a 700 credit score?
“In the 700 club, your credit limit will likely be close to the average credit limit for a newly issued card, about $5,000,” says Ted Rossman, senior industry analyst at Bankrate. “That limit can vary based on income and other debt.”
Is total visa a major credit card?
The unsecured Total Visa Credit Card offers an alternative. You can qualify for a credit limit of $300 without a security deposit, and your account activity is reported to the major credit bureaus....Our Verdict.Regular APR (%)34.99% fixedAnnual Fee$75 for the first year, then $48Oct 19, 2021
How can I raise my credit limit without asking?
How to get a credit limit increase without asking:Always pay all your bills on time.Pay off the card you want the higher limit on fully each month.Update your income on the credit card company's website/app.Keep your account open for at least 6-12 months.
How often should I request a credit limit increase?
6-12 monthsOnce you've made a request, you should generally wait 6-12 months before submitting another. You can ask for another credit limit increase earlier if your financial situation changes, though. For instance, receiving a raise from your job is a great time to ask for an increase since you'll have more money to spend.
How much of a credit limit increase should I ask for?
10% to 25%A good rule of thumb is to stick to around a 10% to 25% increase when you make your request. For example, if your current credit limit is $4,000, you might consider asking for a new limit as high as $5,000.
Why is my available credit so low?
Why is my available credit so low? If your available credit is low even before you start spending, then it's probably because the credit issuer sees you as a risky borrower. Your credit line is based on factors like your credit score and your payment history. If you need more available credit, work on improving those.
How can I raise my credit limit without asking?
How to get a credit limit increase without asking:Always pay all your bills on time.Pay off the card you want the higher limit on fully each month.Update your income on the credit card company's website/app.Keep your account open for at least 6-12 months.
Does having too much available credit hurt your score?
Can Too Much Available Credit Hurt Your Score? There's no such thing as too much available credit when it comes to your credit score. As the data suggests, people with exceptional credit use only a small fraction of what they have on their credit cards, and that has helped their credit scores.
Is a 6000 credit limit good?
As such, if you have one of these cards, you might consider a $5,000 credit limit to be bad and a limit of $10,000 or more to be good. Overall, any credit limit of five figures or more is broadly accepted as a high credit limit.
How can I check my Total Visa balance?
To check your Total Visa® Card balance by phone, call (877) 480-6988 and follow the prompts. To check your Total Visa Card balance online, l...
Where can I make my Total Visa payment?
You can make a Total Visa credit card payment online or over the phone. To pay online, go to https://www.myccpay.com and log in with your credent...
How can I log in to my Total Visa Card account online?
To log in to your Total Visa® Card account, go to the login page on the Total Card website and enter your username and password in the appropri...
How do I increase my Total Visa credit limit?
You can request a Total Visa® Card limit increase after 6 months with the card, by calling customer service at (877) 480-6988 . To raise your ch...
How do I cancel a Total Visa credit card?
To cancel a Total Visa credit card, call customer service at 1 (877) 480-6988 and ask a customer service rep to cancel your card account. Total...
How long does it take for a payment to go through on my Total Visa card?
The Total Visa payment processing time depends on how you choose to make the payment. If you're going to do it by phone, or online by 3 PM ET, it s...
How do I apply for the Total Visa Credit Card?
To apply for the Total Visa credit card, fill out the application online by clicking “Apply Now.” There is no way to apply over the phone or in...
How can I get a Total Visa cash advance?
You can get a Total Visa cash advance at pretty much any ATM in the world. Keep in mind, though, that credit card cash advances are too expensi...
What bank issues the Total Visa card?
The Total Visa is issued by The Bank of Missouri and serviced by Vervent (former Total Card Inc).
What happens when you apply for a total visa?
When applying for the Total Visa, a hard inquiry will be triggered and your credit report will be pulled from either one or more of the three major credit card bureaus.
How to activate a total visa card?
To activate a Total Visa Card, pay the one-time program fee for the account, find your approved application on the Total Visa website, and follow the instructions to activate your card.
How much is a total visa?
New Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
What is the APR of a total visa?
What do you get in return for those non-refundable fees? A fairly low limit and a very high APR. The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
How long does it take to get a total visa?
You should get your status for the Total Visa credit card application by email within 30 seconds from clicking the Apply Now button. So make sure to check your Spam folder as well. In rare cases, it may take them up to 14 days to determine approval.
What is total visa card?
The Total Visa Card reports account information to the three major credit bureaus each month. This will help you build positive credit history if you don’t miss due dates or max out your spending limit.
How to check total Visa balance?
To check your Total VISA® Credit Card balance by phone, call (877) 480-6988 and follow the prompts. To check your Total Visa Card balance online , log in to your online account and you will see your current balance on your account summary page.
How much is the total Visa credit card limit?
To start, all qualified Total Visa® Unsecured Credit Card cardholders will receive an initial $300 limit (subject to available credit), though credit limit increases can become available.
Is greasy food good for credit?
Greasy food is better than nothing when your stomach is running on empty. When your credit is bottoming out, the options for new credit are slim pickings. So when you do find a card, like the Total Visa® Card, that may accept your high credit risk, you’ll need to expect that you won’t receive the most generous terms.
Is Total Visa a subprime card?
Yes. 8.5/10. Of course, as a subprime card, the Total Visa® Card isn’t the cheapest card on the block, nor does it have the highest credit limits — but both are competitive with other, similar cards. To start, all qualified Total Visa® Card cardholders will receive an initial $300 limit (subject to available credit), ...
Is a subprime credit card prime?
But just like 2 a.m. tacos aren’t fine dining, subprime credit cards aren’t prime rewards cards — and they don’t pretend to be. The Total Visa® Unsecured Credit Card is marketed as a credit-builder for the subprime market, and that seems to be exactly what cardholders receive. Total Visa® Unsecured Credit Card reviews reveal both happy customers and dissatisfied ones, which is to be expected with nearly any credit card. In the article below, we’ll take a look at some of the common complaints and the aspects of the card that customers were pleased with.
Is Total Visa unsecured?
Overall, the most appealing trait of the Total Visa® Unsecured Credit Card for most potential cardholders is its accessibility. For those with poor credit, finding an unsecured credit card — one that doesn’t require a deposit to open — can be a challenge, but the Total Visa® Unsecured Credit Card is available to a wide range of credit types, including those with low scores.
Does Total Visa have a grace period?
At the same time, the card’s APR is fairly consistent with other subprime products. And, unlike some of those products, the Total Visa® Card does offer a grace period during which you can pay off your full balance to avoid interest fees entirely.
Is Total Visa a good credit card?
All in all, the Total Visa® Unsecured Credit Card isn’t the best credit card out there, but it certainly isn’t the worst, either. And if your credit disqualifies you from a card with lower interest rates and fees — and you don’t want to go with a secured card — the Total Visa® Unsecured Credit Card seems to be a solid option to build your credit if you pay in full each month.
How much does it cost to increase credit limit on total visa unsecured?
So if you increase your credit limit by $100, you’ll be charged $20.
Is total visa good?
If you’ve had trouble getting a credit card application accepted and need to open a card as soon as possible, the Total Visa can be a good option (offer not guaranteed, response provided in seconds).
Is Total Visa a good credit card?
If you expect to have to carry a balance at all while using this card, it is probably not the best choice for you. Other unsecured cards such as the Credit One Bank® Platinum Visa® for Rebuilding Credit and Capital One QuicksilverOne Cash Rewards Credit Card offer lower APRs.
Does Total Visa Unsecured require a security deposit?
While the Total Visa Unsecured doesn’t require a security deposit, cardholders will be buried in additional program fees.
Is Total Visa Unsecured an expensive card?
In short, with no rewards program to offset high costs, the Total Visa Unsecured is an expensive card to own. Before deciding if this is the card for you, consider just how much you are able and willing to pay to improve your credit.
What credit bureaus report credit card activity?
Your card activity will be reported to the three major credit bureaus — Experian, TransUnion and Equifax. With responsible use, such as paying at least the minimum payment on time each month and keeping your balance low, you can build your credit and apply for a better card.
Is Total Visa unsecured?
The Total Visa® Unsecured Credit Card may seem like a good choice if you’re struggling financially and looking for an unsecured card to build your credit. However, the high associated fees cancel out many of the card’s potential benefits. Check out other unsecured credit cards to find less expensive options. But if you’re willing to make an upfront deposit of $300 or more, a secured credit card could be a cheaper credit-building option.
How much does a total visa cost?
To open the card, there’s a one-time $89 program fee. When you add that to an annual fee for the first year of $75, you’ll pay at least $164 in fees that first year.
How much is a cash advance after the first year?
There’s no fee for cash advances for the first year. After the first year, the fee is $10 or 3% of the cash advance amount, whichever is greater.
What is a secured credit card?
A secured card requires you to put down a cash deposit, which generally then becomes your credit limit. With a secured card, you’re using your own money when you spend, just like a debit card. The Total Visa® Credit Card is an unsecured card designed to help borrowers who need to work on improving their credit.
Does Credit Karma pay advertisers?
Editorial note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.
Does the Total Visa card report to all credit bureaus?
Monthly credit bureau reporting. If you’re looking to build your credit, the Total Visa® Credit Card may be an option for you since it reports to all three credit bureaus every month. While this isn’t different from issuers that offer secured credit cards, it’s helpful to know that your credit use will be reported.
How many credits can you earn on a Total Rewards card?
You can earn 10,000 reward credits after you use the Total Rewards® Visa® Credit Card outside of a Total Rewards resort or casino and spend $750 within the first 90 days of being approved for the card.
What is a total rewards card?
The Total Rewards® Visa® Credit Card earns you reward credits that you can use to comp your hotel, food and entertainment purchases at participating Total Rewards locations. With your everyday spending, you’ll earn reward credits that you can put toward your next trip to a Total Rewards location, and you’ll get an extra boost on your earnings when you spend inside Total Rewards resorts and casinos.
What is tier credit?
Tier credits are different from rewards credits and are earned when you gamble, shop, eat and stay at participating Total Rewards locations. Each tier comes with more perks.
How many tiers are there in Total Rewards?
The Total Rewards® program has four tiers, determined by the tier credits you earn each year.
Does Credit Karma pay advertisers?
Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.
Does compensation factor into how and where products appear on our platform?
Compensation may factor into how and where products appear on our platform ( and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Is it worth getting a Total Rewards card?
If you’re a Total Rewards member and can maximize your spending in the 5x category, it could be worth it for you to get the Total Rewards® Visa® Credit Card. But if you don’t find yourself at a Total Rewards location that often, it may not be worth applying for.
How to increase credit limit on credit card?
To start the process, call the toll-free number (either posted on the back of your card or on your monthly bill) and listen to the prompts —there may be a prompt for requesting a credit limit increase. If not, choose the option to speak to a customer service representative and ask for an increased credit limit.
What does it feel like to get a credit increase?
An increase in your credit limit feels like a thumbs up, letting you know you’ve been responsible ...
Why do credit card companies raise credit limits?
Some credit card issuers automatically raise your credit limit as you handle credit responsibly. That means charging only a manageable percentage of your total credit limit and making your payments on time each month. Many credit card issuers review accounts periodically and automatically raise the credit limit for cardholders who meet their ...
What does it mean when your credit limit is higher?
An increase in your credit limit feels like a thumbs up, letting you know you’ve been responsible with your credit card spending. A bigger credit limit increases your purchasing power, but that’s not the only advantage of a higher credit limit. A higher credit limit can mean good things for your credit score—as long as you don’t go on ...
Why is my credit limit denied?
Your credit limit increase may be denied for a few different reasons. Your account may be too new, it may be too soon since the last change in your credit limit, your income may be too low to qualify you for an increase, or you may have an account that doesn't receive credit limit increases, such as a secured credit card account .
How much of your credit score is based on debt?
It's important to know that thirty percent of your credit score is based on your level of debt. A major part of that is your credit utilization or the amount of available credit you’re using. 1 A credit limit increase will lower your credit utilization ratio —assuming you keep the same balance or pay it down. ...
How long does a hard inquiry stay on your credit report?
The hard inquiry will appear on all versions of your credit report for up to two years. 2 If you've built up a lot of debt in other places (such as student loans or home mortgages) you may wait to request a credit line increase until some debt is paid off.
Marketing
Advantages
- Overall, the most appealing trait of the Total Visa® Card for most potential cardholders is its accessibility. For those with poor credit, finding an unsecured credit card one that doesnt require a deposit to open can be a challenge, but the Total Visa® Card is available to a wide range of credit types, including those with low scores. As a Visa card, the Total Visa® Card can be used a…
Cost
- To start, all qualified Total Visa® Card cardholders will receive an initial $300 limit (subject to available credit), though credit limit increases can become available and wont have an added fee. So far as fees are concerned, youll need to pay the one-time $89 program fee after approval to open your credit card account. Additionally, youll be cha...
Benefits
- At the same time, the cards APR is fairly consistent with other subprime products. And, unlike some of those products, the Total Visa® Card does offer a grace period during which you can pay off your full balance to avoid interest fees entirely.
Criticism
- The rest of the complaints center around the online payment system and customer service. Several reviewers had problems making online payments or with scheduled payments taking several days to process, sometimes resulting in late fees. Others report it taking a long time to get a customer service representative on the phone.
Impact
- On the other hand, a good number of reviewers are happy with their Total Visa® Card and the credit-building results theyve had with it. Many of these consumers had trouble obtaining a different card due to poor credit and have successfully used the Total Visa® Card to improve their credit and increase their scores.
Results
- Like the reviewer above, the consumers who seem to have the best results with the Total Visa® Card are those who understand what the card is supposed to be and what it isnt. The thing to understand is that high fees and interest rates are the cost of having poor credit unless you want to put up the deposit to open a secured credit card.
Reviews
- Although the quick-service food available in the middle of the night is rarely the most appetizing fare, itll still get the job done particularly if its all thats available. Greasy food is better than nothing when your stomach is running on empty.