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.
WHO Issues Total Visa?
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.
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 much is total Visa Program fee?
To get started with the Total card, you'll first pay a one-time program fee of $89—and that's before your $75 annual fee is placed on your card balance. If you keep the card for longer than a year, the annual fee drops to $48, but you'll add an additional $6.25 monthly servicing fee (this is waived for the first year).
Is total Visa a credit card?
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.
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 The maximum amount of cash that can be withdrawn from this card is different for each account.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.
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.
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.
How do I cancel my total Visa 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 Card does not allow you to cancel an account in person or by mail.
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 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.
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.
What credit cards does the Bank of Missouri have?
The Bank of Missouri also issues a handful of cards under its own brand.Visa® Platinum Card.Cash Rewards American Express® Card.Visa® Real Rewards Card.Premier Rewards American Express® Card.Visa® College Real Rewards Card.Visa® Secured Card.
What credit card uses Mid America Bank and Trust?
Indigo® Platinum Mastercard®
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 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...
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 .
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 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 Total Visa a good credit card?
The Total Visa Credit Card is not one of Investopedia's top-rated credit cards. Here is a list of our best credit cards that we think provide better options.
Who issued the total visa 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.
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 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.
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.
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 apply for a total visa?
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 person. You'll need to provide some personal details, such as your name, mailing address, phone number, date of birth, and Social Security number.
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.
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.
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.
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.
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.