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What is a total Visa 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.
How do I pay my Visa Total card?
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.
How do I withdraw money from a 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%.
Which bank partners with Visa credit card?
YES BankYES Bank entered into a partnership with Visa to issue credit cards to its customers on the payment platform, said the leading private sector bank in a recent statement. With the partnership, Yes Bank will begin the issuance of nine credit card variants - both consumer and commercial, on Visa's payment network.
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....Total Visa® Credit Card.Regular APR (%)34.99% fixedRewards Earning RateThis card does not offer a rewards program.1 more row•Oct 19, 2021
What credit card is the Bank of Missouri?
What bank is the Milestone credit card with? The Milestone Credit Card is issued by Bank of Missouri, an FDIC-insured bank founded in 1891 and headquartered in Perryville, Missouri. Other Bank of Missouri credit cards include the Total Visa® Card and First Access Visa® Card.
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.
Are co-branded credit cards easier to get?
In general, co-brand airline credit cards are some of the easiest credit cards to get. For most cards, you need a credit score in the mid 600s, but 670 or above is best. Even if your score is only above 600 but not quite 670, you still have good approval odds for cards that don't have an annual fee.
Which bank provides MasterCard?
Master credit card of BanksBankMasterCard Credit CardsAxis BankFlipkart Axis Bank Credit Card, Insta Easy Card, Miles and More Card, My Choice Card, My Wings Card, Platinum Card, Titanium Smart Traveler CardCitibankCashback Card, First Citizen Titanium Card, IndianOil Titanium Card, PremierMiles Card3 more rows
Which is the co brand credit card?
Co-branded credit cards are the product of a mutual partnership between a particular merchant and a credit card issuer. Together, they create a credit card that bears the merchant's logo and provide merchant-specific benefits to brand-loyal consumers.
How do I pay my Visa credit card bill?
Almost every bank that distributes Visa cards offers numerous ways to conveniently pay your bill. Drop off your Visa payment at a local branch of the bank you have your account with. Most banks either have a drop box for payments or a customer service agent will be able to process your payment while you wait.
Is there an app for the total Visa card?
I glad that there is a app now for Total, and it works great.
How do I check the balance on my total Visa card?
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.
Is there an app for total Visa?
Easy, free Credit Monitoring in the Total Visa Mobile App!
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 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 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.
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.
What is total visa?
The Total Visa card has one purpose and one purpose only —rebuilding* credit. Like most cards in its category, it doesn’t have many benefits or features that make it attractive to most people. But, for those with significantly damaged credit, it can still help start the journey back to a healthy credit.
What is the purpose of a total visa card?
The Total Visa card has one purpose and one purpose only—rebuilding credit. Like most cards in its category, it doesn’t have many benefits or features that make it attractive to most people. But, for those with significantly damaged credit, it can still help start the journey back to a healthy credit.
How much does Opensky credit card cost?
If you’re looking for a card to help you rebuild* credit, you can find options with much lower fees than the Total Visa card. OpenSky® Secured Visa® Credit Card is a great option with only a $35 annual fee and a significantly lower APR. You will have to provide a security deposit of at least $200, which will serve as your credit limit.
How many credit bureaus does a total visa report to?
While many cards only report to one or two credit bureaus, the Total Visa reports to all three. This helps you build* your credit at each one by showing them your consistent and responsible credit card use.
How much does a credit one card cost?
This card comes with an annual fee of $75 first year, then $99 annually ($8.25 per month) and a variable APR of 23.99 percent. You can also earn 1 percent cash back on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services (terms apply) — a feature that very few cards in the category offer.
What is the problem with Total Visa?
A high interest rate and excessive fees plague the Total Visa card, making it difficult to recommend for even the worst situations.
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Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Who issued the total visa card?
The Total Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
How to activate a 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. Then follow the instructions to activate your card. Activate Your Card.
Who issued the total visa?
The Total Visa is issued by The Bank of Missouri and serviced by Vervent (former Total Card Inc).
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 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 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.
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.
