Full Answer
Should I get a Visa credit card or MasterCard?
MasterCard and Visa are both solid credit card choices. Having a card from each company will give you more credit options. And having cards from different banks will get you access to the best reward programs, interest rates, and other benefits. Start looking online today. Then pick out the credit cards that work best for you.
Is Capital One visa a good credit card?
When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.
What is the most accepted credit card in the world?
The 23 countries where American Express (AMEX) is the most popular credit card company
- Afghanistan
- Bahamas
- Belize
- Bermuda
- China
- Costa Rica
- Croatia
- French Guiana
- Georgia
- Hong Kong
How to tell if visa or MasterCard?
yes. A MasterCard always has 16 digits and the first number is always 5. A Visa card may have either 13 or 16 digits and the first number is always 4. All Visa cards start with a 4. That’s pretty simple.
Is total a real credit card?
The Total Visa Card is an expensive unsecured credit card for people with bad credit. The Total Visa Credit Card does not require applicants to place a refundable security deposit, but it does charge high fees, starting with an $89 “program fee” that's assessed before account opening.
What is a total Visa?
The Total Visa® Credit Card is an unsecured card designed to help borrowers who need to work on improving their credit. So, just like other unsecured cards, you borrow money every time you spend and you'll pay it back at a later date, instead of having to put down a deposit.
Can I get cash from my total Visa card?
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 expensive. More specifically, Total Visa will charge you a cash advance fee of $0 the 1st yr, 3% (min $10) after - per transaction. The cash advance APR is 34.99%.
How often does total Visa report to credit bureau?
The Total Visa Card reports account information to the three major credit bureaus each month, which is something that not all bad-credit card issuers do. This will help you build positive credit history if you don't miss due dates or max out your spending limit.
What bank does total Visa use?
The Bank of MissouriThe 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 do I pay my total Visa?
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 credentials. If it's your first time on the website, you need to register to create a username and password. Once you log in, navigate to the payment section.
Can you go over your credit limit with total Visa?
You may be able to go over your Total Visa credit limit with the issuer's approval, but there are no disclosed guidelines as to what makes an account eligible. When allowed to go over your credit limit, no fee will be charged.
Can you use Total Visa at ATM?
The cash advance limit for the Total Visa card is up to 50% of your credit limit. The maximum amount of cash that can be withdrawn from this card is different for each account. You can find your exact limit by logging in to your Total Visa account or by viewing your monthly statement.
How many credit cards should I have to build credit?
Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time. Having very few accounts can make it hard for scoring models to render a score for you.
What is a good credit score?
670 to 739Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
When can I use my total Visa card?
If you've already paid the Program Fee and received your card, you can activate it online. Once activated, use it wherever you see the Visa logo. Find your approved application by searching with your birthdate and Application ID or email address.
Which is considered a good credit practice?
Which is considered a good credit practice? Pay more than the minimum amount that is due.
When can I use my total Visa card?
If you've already paid the Program Fee and received your card, you can activate it online. Once activated, use it wherever you see the Visa logo. Find your approved application by searching with your birthdate and Application ID or email address.
Can I use my total Visa card before it arrives?
If you haven't recieved your card yet, you will be able to activate it as soon as it arrives. Please call us at (877) 480-6988 if you have issues activating your card. Please review the following information. If you use your card for gasoline purposes, you will need to go inside the store.
How long does it take for total Visa payment to post?
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 should post on the same day. If it's after 3, it'll show up the next day. If you send money by mail, it will obviously take longer.
How do I check my total Visa card 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, log in to your online account and you will see your current balance on your account summary page.
How do I check my Total Visa application status?
You can check your Total Visa application status by calling customer service at (877) 526-5799 . Having said that, it is also worth noting that,...
How can I activate my Total Visa card online?
If you've already paid the Program Fee and received your card, you can activate your Total Visa online, through the dedicated activation web p...
Whats the starting credit limit for the Total Visa credit card?
The credit limit for the Total Visa is $300 . However, the Total Visa limit that you start off with isn't necessarily your credit limit foreve...
What is the Total Visa Card credit score requirement?
The Total Visa® Card is available to people with bad credit. That means people with credit scores below 640 may have a shot at getting approved...
What's the due date for the Total Visa card?
The due date for the Total Visa card is 21 days after the closing date of your billing cycle. This date will be different for everyone, but you c...
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 can I add a Total Visa authorized user?
You can add a Total Visa authorized user by calling (844) 548-9721. The issuer imposes a $29 fee on each additional card, every year. And should yo...
When does Total Visa report to the credit bureaus?
The Total Visa Card reports account information to the three major credit bureaus each month, which is something that not all bad-credit card issue...
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 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 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 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 .
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 unsecured?
A secured card typically requires you to deposit hundreds of dollars at once so you can use your card, which can be difficult for many people to afford. The Total Visa Credit Card is unsecured, so no security deposit is required. You can potentially qualify for the card even if you have less-than-stellar credit, ...
Is Discover it Secured a credit card?
Instead of the Total Visa Credit Card. consider a card like the Discover it Secured credit card. It has no annual fee, monthly servicing fee, or program fee, and it doesn’t have the use limitations of the Total Visa card. The Discover it Secured card also offers rewards on select purchases, and you can eventually qualify for an unsecured card with responsible credit use.
How much does a total visa cost?
The Total VISA® Credit Card an expensive credit card for people with bad credit who want to borrow a small amount of money without placing a security deposit. Newly approved applicants have to pay an $89 program fee just to open a Total VISA® Credit Card account, and then there is a $75 membership fee the first year, which jumps to a total of $123 in subsequent years between annual and monthly fees. Furthermore, if you carry a balance from month to month — supposedly what this type of card is intended for — interest will accrue at a ridiculously high 34.99% APR, one of the highest rates on the market.
How to contact Total Visa?
If for any reason you have trouble activating your card, simply call Total Visa customer service at (877) 526-5799 for assistance.
How much does it cost to add an authorized user to a credit card?
If you want to add an authorized user to your account — not recommended unless the other person is someone you can trust to use the card responsibly — you’ll have to pay an additional $29 per year for the privilege. This doesn’t make much sense, however, as the account offers no rewards for spending, and an authorized user won’t earn you a higher credit limit. Bear in mind that other issuers charge a much lower fee or none at all for adding authorized users.
How long does it take to get a Visa card?
Once you've paid your program fee, you can expect your Total Visa credit card to arrive in the mail in 7-10 business days.
What are the criteria for getting a total visa?
Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
What is the credit limit for a total visa?
The credit limit for the Total Visa is $300.
How much does a Visa card cost?
However, that annual fee is supplemented by a $6.25 “monthly servicing” fee, which pushes the yearly tab to $123. In contrast, many other offers, secured or unsecured, do not charge monthly fees.
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 phone number for Total Visa?
The Total Visa Card customer service phone number is (844) 548-9721. People who do not yet have a Total Visa Card can call (844) 206-4371 for questions about the application or paying the Total Visa program fee.
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 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.
Features of having a Total Visa Card
For all the consumers looking forward to applying for the visa card, the below-mentioned features might help decide if whether to apply or not for this credit card.
Steps to apply for the Total Visa Card
Follow these simple procedures to apply for the Total visa card online.
Editor's Take
The Milestone Credit Card is a good card for people with credit scores below 640 who don't want to put down a deposit. The Milestone Card can be worthwhile because it has a $0 security deposit requirement and offers a $300 credit limit, with an annual fee of $35 - $75 the first year.
Milestone Credit Card Review Highlights
This label should be taken with a grain of salt because no unsecured credit card for bad credit is all that good. But if you absolutely need an emergency loan, as opposed to just a higher credit score, the Milestone® Mastercard® is one of the better options.
Milestone Credit Card Reviews FAQ
Don't see what you're looking for? Submit your question about Milestone® Mastercard® - Less Than Perfect Credit Considered to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Here's how to submit a Milestone Credit Card application
To see if you pre-qualify, submit the form on Milestone Credit Card 's website. You may receive an immediate decision, but it's not guaranteed. If you are pre-qualified, you should see an invitation link on the page. Click the link to access the online application. Enter your name, address, e-mail address and SSN.
Here is how you can contact Milestone Credit Card customer service
The Milestone Credit Card does not have rewards. Its main purpose is to help people with bad credit rebuild their credit standing. For example, people with negatives like a bankruptcy on their credit report might find the Milestone Credit Card worth applying for.
Here is how to make a Milestone Credit Card bill payment
Online: Simply log in to your Milestone Credit Card online account to make a payment and manage your account.
Expert Thoughts on Milestone Credit Card
To help people learn more about the Milestone Mastercard, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
