The Total Visa also doesn’t specify a timeline for reviewing your account for a credit line increase. If you do request an increase and are approved, you’ll also have to pay a 20 percent credit limit increase fee. So if you increase your credit limit by $100, you’ll be charged $20.
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.
Does the total Visa® credit card offer perks to build credit?
Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. The Total Visa® Credit Card, which is offered by the Bank of Missouri, offers perks that may be helpful for folks interested in building and improving their credit.
What bank issues the total Visa credit card?
The Total Visa Credit Card is issued by The Bank of Missouri. As a small issuer of credit cards, The Bank of Missouri is not included in the J.D. Power Credit Card Satisfaction Study. For questions about your card application or to pay your program fee to open an account, you can call 877-526-5799.
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).
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.
What does "See my approval odds" mean?
When you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
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.
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 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).
Do you have to pay a security deposit on Discover?
If any of these benefits are important to you, consider options such as the Discover it® Secured Credit Card. You’ll have to pay a security deposit, but the fees are much lower and you’ll earn cash back rewards.
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 to pay my total visa bill?
To pay your Total Visa bill over the phone, call 1-844-548-9721. You’ll be asked to enter your credit card number to pull up your account information. From there, you can make your payment.
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.
Kliment Dukovski
Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Compare unsecured cards for building credit
If you’re looking for an unsecured card to build credit, some options are:
Bottom line
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.
Frequently asked questions
Is a secured card or an unsecured card better for building credit? Both types of cards could do the job. However, secured cards often have lower fees and a lower APR since you already put a deposit down to act as your credit line and as collateral.
What are credit card fees?
Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
How much does a total visa cost?
Expensive Fees: While the Total Visa Credit Card doesn’t require a security deposit, it does have a number of costly fees that you should keep in mind: Annual fee: The annual fee is $75 for the first year and $48 per year after that .
What is total visa?
The Total Visa Credit Card is for someone with poor credit or little to no credit history who can’t or doesn’t want to put up a deposit for a secured credit card. You can apply for the card online and get a response within seconds. If approved, you’ll have access to an unsecured Visa card that you can use at merchants throughout the United States.
How many features are there in credit card rating?
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
What is the credit limit increase fee?
Credit limit increase fee: If you request a credit limit increase and qualify for one, you will be charged a credit limit increase fee equal to 20% of the increase. For example, if your credit limit was increased by $100, your fee would be $20, which is deducted from your available credit.
How to determine maximum points value?
We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
Is a total visa credit card unsecured?
While the Total Visa Credit Card can give you access to an unsecured credit card even if you have poor credit, its multiple fees make it a very expensive option. Because those fees are non-refundable, you’re likely better off with a secured credit card.
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.
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.
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.
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.
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.
Who is Erica Gellerman?
About the author: Erica Gellerman is a personal finance writer with an MBA in marketing and strategy from Duke University. She’s also the founder of The Worth Project: a weekly money newsletter you actual… Read more.
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 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.
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 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.
How much is the premium plastic card design fee?
The cost of the selected card will be disclosed to you at the time you select it, however, will never exceed $10.00. The Premium Plastic Card Design Fee is refundable if you request to cancel the Premium Card Design and notify us of your election within thirty (30) days or one billing cycle (whichever is less) after the fee appears on your monthly billing statement.
How to avoid interest on new purchases?
How to Avoid Paying Interest Charges on New Purchases (Grace Period). If you paid the New Balance on your prior monthly billing statement by the due date shown on that billing statement, we will not impose any Interest Charges on new Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing statement (which will be at least 21 days from the billing cycle closing date). New Purchases are Purchases that first appear on your current billing statement. Cash Advances are subject to Interest Charges from the date the transaction is posted to your Account. Unlike Purchases, this means there is no time in which you can pay the balance of Cash Advances in order to completely avoid Interest Charges on Cash Advances.
How to calculate average daily balance?
How We Calculate Average Daily Balance – We calculate the Daily Balance as follows: (1) we take the previous day's balance (which may include unpaid interest), (2) add new Purchases (including Fees and other charges) to the Purchase balance and Cash Advances to the Cash Advance balance, (3) add any interest accrued on the previous day's balance (this results in daily compounding of interest), and (4) subtract any payments or credits as of the date posted to your Account, and any other adjustments as of the day they are credited to your Account. We figure the Average Daily Balance (shown as the Balance Subject to Interest Rate on your statement) separately for Purchases and Cash Advances for each billing cycle. We do this by (A) adding up the Daily Balances for each balance type, and (B) dividing the result for each balance type by the number of days in the billing cycle. This gives us the Average Daily Balance. If a Daily Balance is negative, we treat it as zero.
What is an arbitration notice?
Arbitration Notice. If you are issued a Card, your cardholder agreement will contain a binding arbitrationprovision. In the event of any dispute relating to your Account, the dispute will be resolved by binding arbitrationpursuant to the rules of the American Arbitration Association or an arbitration organization mutually agreed upon bythe parties. Both you and we agree to waive the right to go to court or to have the dispute heard by a jury (except inregard to any collection activities on your Account). You and we will be waiving any right to a jury trial and you alsowould not have the right to participate as part of a class of claimants relating to any dispute with us. Other rightsavailable to you in court may also be unavailable in arbitration. When you receive your cardholder agreement, youshould read the arbitration provision in your agreement carefully and not accept or use the Card unless you agree to be bound by the arbitration provision or timely opt-out.
What is authorization for credit card?
Authorization: You certify that all the information given in this application is true and correct and you are giving this information in order to obtain credit and authorize us to obtain information concerning any statements herein. You agree to furnish us with all requested information. You authorize us to charge the Annual Fee, Monthly Servicing Fee and Additional Card Fee (if applicable) to your Account.
How much is a copy of a billing statement?
Copying Fee. If you request duplicates of any monthly billing statement or other document, a copying charge of $3.00 may be imposed for each copy we provide, unless the request is made in connection with a bona fide billing error dispute.
What is the daily rate for cash advances?
Interest Charges for Purchases and Cash Advances are calculated at a daily periodic rate of 0.09585% , which is a corresponding ANNUAL PERCENTAGE RATE (APR) of 34.99%. We calculate the daily periodic rate by dividing the APR by 365. Subject to any grace period, the APR applied to Purchases will be applied to Fees assessed to your Account.
