Accessible credit cards for people with bad credit can be crucial for establishing or repairing credit history. Making on-time payments and using these cards responsibly might show that you are creditworthy, which may raise your credit score and open up better financial options in the future.
Today we have a total credit card for you which can be an option for a low credit history personals. This is our detailed total credit card reviews post where we have covered everything about total credit cards.
Introduction to total visa credit card
A financial tool created exclusively for people with weak or restricted credit histories is the Total Visa Credit Card, issued by the The Bank of Missouri, under license from Visa U.S.A. Even if you’ve had credit issues in the past, it gives you the chance to get a credit card. Those who want to establish or repair their credit would particularly benefit from using this card.
The Total Visa Credit Card’s simple application process is one of its main benefits. It is intended to be easily accessible, and approval decisions are frequently made rapidly. This implies that people who would have previously been denied credit have a chance to be authorized for this card.
There are some restrictions placed on the Total Visa Credit Card. In comparison to other credit cards, it typically has a lesser credit limit, so you’ll need to watch your spending. The card also has a program fee, an annual fee, which is typical for credit cards intended for people with bad or weak credit.
Until you didn’t pay this program fee you won’t be able to activate your credit card. Total is an unsecured credit card and you must have a checking account, US resident, and be 18+ are only eligible for this card. Even while these costs might seem annoying, they are a price worth paying to have the chance to establish or repair your credit.
The interest rate on the Total Visa Credit Card is one thing to think about. The interest rate on this card is typically higher than usual, like many credit cards intended for people with less-than-perfect credit. To prevent accruing interest, it is essential to make payments on time and responsibly.
The Total Visa Credit Card can still be a useful tool for enhancing your credit profile despite these restrictions. You can prove to potential lenders that you are creditworthy by using the card sensibly and consistently making on-time payments. The longer you do this, the more likely you are to be approved for better loan terms, greater credit limits, and cheaper interest rates.
In conclusion, people with weak or restricted credit histories are the target audience for the Total Visa Credit Card. Despite the reduced credit limit and yearly charge, it offers a convenient way to acquire credit. You may gradually restore your credit and position yourself for better financial options in the future by using the card wisely and paying your bills on time.
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Total credit card application process step by step
There are normally multiple phases involved in the Total Credit Card application procedure. Here is a step-by-step manual to assist you with the procedure:
Visit the Total Credit Card Website: Visit the official total card visa website. Ten enter your name address, email address, and phone number, check all the checkboxes, and choose the perfect design for your card click on apply now button. The total card offers a premium design at $9.95 for a lifetime.
Provide Personal Information: Then it will ask for your personal information like date of birth, Social Security number, employment status, and employer name.
Employment and Financial Details: Then it will ask questions concerning your employment situation, annual income, and monthly housing payments will be asked of you. This aids the issuer in determining your capacity to handle credit. Here, it will ask you some questions as well-
You can give your answer in the yes or no as per your requirements.
Read and Agree to Terms and Conditions: Review the Total Credit Card’s terms and conditions thoroughly, paying particular attention to the fees, interest rates, and any other provisions that apply just to the card you are applying for. Continue to the next step if you accept the terms.
Submit the Application: After reviewing the information and completing all the essential fields, submit your application. While some issuers might provide you with an answer right away, others might need more time to process your request.
Wait for Approval: Congratulations if you get an instant approval decision! You will receive information from the issuer about your credit limit and other card-specific characteristics. You might have to wait for an approval decision if your application needs to be processed further. The decision of the issuer will be communicated to you via email, postal mail, or online account access.
Receive and Activate the Card: The issuer will mail you the Total Credit Card if it is accepted. When you get it, activate your card by following the directions. This could entail dialing a certain phone number or activating it online.
Start Using Your Total Credit Card: Once your card has been activated, you can start making purchases, paying bills, and establishing a credit history with it. Use your card sensibly by paying your bills on time and not exceeding your credit limit.
Keep in mind that depending on the issuer and the Total Credit Card you are applying for, the precise stages and conditions may change slightly. It’s crucial to read and comprehend the terms and conditions and to give accurate information when applying.
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Total visa card activation process
The general procedures to activate a total visa card are as follows:
Retrieve Your Total Visa Card: Make sure your Total Visa Card arrived in the mail.
Visit Total website: You can activate your card online. Visit the total card visa website and click on the Activate your card menu. It will open up a new window and will ask you to fill in your date of birth, application id, or email address.
Verify Your Identity: Verify your identification by adhering to the instructions. This could entail supplying personal information, responding to security questions, or inputting a special activation code.
Confirm Activation: The activation procedure ought to be finished once you have finished the relevant tasks and given the required data. A confirmation message may be sent to you over the phone or on the Internet.
Sign the Back of Your Card: Remember to sign the back of your Total Visa Card after activation. This provides an additional degree of protection and aids retailers in confirming the card’s ownership while processing payments.
For total Visa cards, the particular activation procedure may differ anytime. You can find the most current and correct information on how to activate your card in the instructions that came with it. It is advised to contact the issuer’s customer support for assistance if you run into any problems or have any inquiries during the activation process.
Top 5 Benefits of the Total Credit Card
Cardholders of the Total Credit Card can take advantage of a variety of incentives and privileges. Here are some typical advantages and rewards connected with Total Credit Cards, though specifics may vary based on the issuer and the particular card variant:
Reviewing the terms and conditions and comprehending the particular perks and benefits connected to your Total Credit Card is crucial. This will enable you to get the most out of your card and utilize all of the perks and benefits that are offered.
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Total Credit Card Fees and Interest Rates
Like other credit cards, a total credit card also has a variety of charges and interest rates. Here are some typical fees and interest rates you will see with a total credit card.
| Fees | Amount |
|---|---|
| APR for Purchases | 35.99% |
| APR for Cash Advances | 35.99% |
| Minimum Interest Charge | No less than $1.00 |
| Program Fee | $95 (one-time fee) |
| Annual Fee | for the first year (introductory). After that, $99 per year ($8.25 per month) |
| Monthly Servicing Fee | first year (introductory), After that, either $10.00 or 3% of the amount |
| Cash Advance Fee | 25% of the increased amount |
| Late Payment Fee | Up to $41 |
| Returned Payment Fee | Up to $41 |
| Additional Card Fee | $29 annually |
| Premium Plastic Card Design Fee | $9.95 |
| Credit Limit Increase Fee | 25% of te increased amount |
| Express Delivery Fee | $35 |
| Copying Fee | $3 |
Annual Fee: There is an annual fee of $75 on the Total Credit Card. The amount of this fee, which is normally assessed once a year. For the first year, your credit limit will be $300, and the total will deduct $75 as an annual fee so your total credit limit will be $225.
APR (Annual Percentage Rate): The annual percentage rate (APR) is what is applied to accounts that are carried over from month to month. Compared to cards with better credit terms, Total Credit Cards typically offer higher APRs of 35.99% for purchases and cash advances. Understanding the APR is essential since it has an impact on the cost of borrowing and the interest levied on outstanding amounts.
Late Payment Fee: Total Credit Card reserves the right to charge a late payment fee of up to $41 if you don’t make the minimum payment by the deadline. Although it differs between issuers, this fee usually has a set price. To avoid late payment fees and possible harm to your credit score, it’s critical to make payments on time.
Additional Card Fee: Additional Card Fee of $29 annually has cared when you authorize the total company to issue an additional Card for an Authorized User.
Express Delivery Fee: Total charge is $35 if you prefer to get an express delivery of your card.
Copying Fee: Total charge is $3 if you want to get a duplicate card statement.
Premium Plastic Card Design Fee: Premium Plastic Card Design Fee of $9.95 annually is cared for. This fee is refundable if you cancel the Premium Card Design and notify the total company within 30 days or one billing cycle.
Credit Limit Increase Fee: Total card gives you the facility to increase your credit limit after successfully paying your payment to 12 billion cycles. But a credit limit increase comes with a 25% fee of the total increased amount. Suppose your credit limit increases by $100, ten your fee will be $25.
Cash Advance Fee: A cash advance fee normally applies if you use your total credit card to get cash advances, as when you use an ATM to get cash. This fee is nill for the first year (introductory), but after that either $10.00 or 3% of the total amount is charged. Basically whichever is greater is charged.
It’s critical to read the terms and conditions of the particular Total Credit Card you’re thinking about to comprehend the costs and interest rates involved. You can use this to judge whether the advantages and incentives of card ownership outweigh the associated costs.
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How to make a Total Visa credit card payment
You can follow these procedures to make a payment on your Total Visa Credit Card:
Log in to Your Online Account: Log into your online account by going to the website of the company that issues Total Visa Credit Cards. You may need to create an account by entering your card information and choosing a username and password if you haven’t already registered for online account access.
Locate the Payment Section: Once you have logged in, go to your online account’s payment section. The label for this can read “Make a Payment” or “Pay Your Bill.” To continue, select the proper choice.
Choose Payment Amount: Indicate how much you want to pay off the balance on your Total Visa Credit Card. Typically, you have three payment options: the full total, the minimum payment required, or a custom sum.
Select Payment Source: Select the debit card or bank account from which you want to make the payment. If paying from a bank account, you might have to provide the account or card information, such as the account number and routing number.
Schedule the Payment: Choose the due date. You have the option of making an immediate payment or setting one up for a later time. you avoid any late payment penalties, make sure you choose a day that is before the payment due date.
Review and Confirm: Examine the payment information, paying particular attention to the payment amount, source, and date. Before finalizing the payment, make sure the information is correct.
Submit the Payment: Submit the payment after you have verified the information and determined its accuracy. A confirmation message or payment receipt can be sent to you. If applicable, make a note of the confirmation number for future use.
Alternative Payment Methods:
The following options are available to you if online payment is not possible or preferred:
Phone Payment: Use the phone number listed on the back of your card or on their website to get in touch with customer support for the company that issued your Total Visa Credit Card. To make a payment over the phone with a debit card or bank account, follow the on-screen instructions.
Mail Payment: Send a check or money order to the address listed on your Total Visa Credit Card statement, along with the payment stub from your statement. Make sure you give the payment enough time to get to the issuer before the due date.
To prevent late fees and preserve a good payment history, keep in mind to make your Total Visa Credit Card payment on time. To ensure accuracy and compliance, it is always advised to carefully check the particular payment alternatives and instructions given by the issuer.
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How to get the total Visa card customer service
You can take the following actions to get in touch with Total Visa Card customer service:
Call Customer Service: Total has 3 different customer service numbers for different queries.
Have your Total Visa Card at the ready in case the caller asks for your card number or other identifying information.
Email Service: Total Visa Card customer service department has email address info@totalcardvisa.com. You can email them your query at this email address.
Postal address: To contact a customer support agent, you can even send your mail to their postal address which is Total VISA, P.O. Box 84930, Sioux Falls, SD 57118-4930.
Social media Channels: Total Visa Card has a presence on all social media platforms. So, you can also message them to et customer assistance regarding your query.
Total Credit Card Security and Fraud Protection
To help protect cardholders from unauthorized transactions and potential fraud, Total Credit Cards often feature security safeguards and fraud protection. The following are typical security and fraud protection measures connected with Total Credit Cards-
EMV Chip Technology: EMV chip technology, which offers better security than conventional magnetic stripe cards, is included in Total Credit Cards. Each transaction on an EMV chip generates a unique transaction code, making it more challenging for counterfeit cards to be used fraudulently.
Zero Liability Policy: Total Credit Cards have a zero liability policy, which means that, as long as fraudulent charges are reported right once, cardholders are not accountable for them. By doing this, cardholders are shielded from monetary loss in the event of fraud or unlawful transactions.
Fraud Monitoring: Advanced fraud monitoring systems are used by Total Credit Cards, and they continuously examine card activity for unusual patterns or transactions. If any suspected fraud is found, the issuer may get in touch with the cardholder to confirm the legality of the transaction or take the necessary steps to stop further fraud.
Secure Online Account Access: Issuers of Total Credit Cards provide encrypted and user-authenticated online account access. This maintains the privacy of the cardholders’ personal and financial information while enabling them to monitor transactions, review statements, and manage their accounts.
Transaction Alerts: The option to set up transaction alerts, such as email or text notifications, for particular transaction categories or expenditure criteria is available to cardholders. The real-time updates on card usage provided by these notifications can aid in the detection and prevention of unlawful activity.
Verified by Visa (or similar programs): Total Credit Cards might take part in initiatives like Verified by Visa, which boost online transaction security. For further security, this program may ask cardholders to provide a special password or go through additional authentication.
To ensure rapid resolution, familiarize yourself with the terms and conditions and promptly notify the issuer’s customer care of any suspicious or unauthorized behavior.
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Total Credit Card Reviews and Ratings
There are websites and places like Trustpilot, BBB, App Store, and play store which are perfect to know about honest opinions from real people. So, we will be looking for total visa credit card reviews on all that places.
Total visa credit card reviews on Trustpilot: Trustpilot has only 4 total visa card reviews with 2.7 stars and poor ratings. Some people have a bad experience with their customer service.
Total visa reviews on BBB: BBB has got absolutely no reviews and nill rating.
Total Visa card reviews on the app store: The app store has 109 reviews and a 2.4-star rating for the Total Card app.
Total Visa card reviews on the play store: The google play store also has the same reviews with a 3+ star rating and with only 50k downloads.
Pros and Cons of Total Visa Credit Cards
Pros
- Credit Building Opportunity: Total Visa Credit Cards are made to aid those with weak or scant credit histories in establishing or repairing their credit. Making on-time payments and using the card responsibly can have a long-term favorable effect on credit scores.
- Access to Credit: People who use Total Visa Credit Cards have access to a credit line that can be utilized for purchases, payments, and emergencies. This can provide convenience and financial flexibility, especially for those who might have trouble obtaining conventional credit cards.
- Approval for Limited Credit History: Total Visa Credit Cards are available to anyone with bad credit histories and poor credit ratings thanks to its comparatively lax application requirements. This enhances the likelihood that those who might have been rejected by other issuers will be approved.
- Wide Acceptance: Total Visa Credit Cards are helpful for regular transactions because they are typically accepted at millions of places throughout the world, including online and in-store businesses.
- 1% cashback rewards
Cons
- Annual Fee: A expense to take into account when assessing the overall worth of the card is the annual fee that is frequently associated with Total Visa Credit Cards.
- High-Interest Rates: Compared to cards with better credit terms, Total Visa Credit Cards often feature higher interest rates. It is crucial to settle the debt in full whenever feasible because carrying a balance from month to month might result in high-interest costs.
- Low Credit Limits: In comparison to other credit cards, Total Visa Credit Cards frequently have lower credit limits of $300. This implies that cardholders must carefully monitor their spending to prevent going over their credit limit, which can hurt their credit scores and result in additional fines.
- Limited Rewards and Benefits: In comparison to other credit cards on the market, Total Visa Credit Cards could provide fewer rewards programs and bonuses. On their transactions, cardholders might not receive a lot of cashback, points, or other perks.
- Fees for Additional Services: Additional fees for services like cash advances, balance transfers, international transactions, and late payments may apply to Total Visa Credit Cards. If applied or incurred, these fees may increase the overall cost of card ownership.
- No foreign transaction facility
- No balance transfer facility
- Only accepted in the USA
- Customers have a bad experience with their customer service
It’s crucial to carefully weigh these advantages and disadvantages in light of your financial status and ambitions. It will be easier to assess whether a potential Total Visa Credit Card meets your needs and preferences by looking at its exact terms, charges, and advantages.
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Other credit cards like Total Visa
Here are a few credit cards like total visa credit card that you might want to take into consideration:
Capital One Platinum Credit Card: For people with medium credit, Capital One offers the Platinum Credit Card. It offers chances to establish credit and gradually gives access to a bigger credit limit. It has access to Capital One’s CreditWise monitoring tool, and fraud protection, and does not call for a security deposit.
Discover it Secured: A secured credit card like Discover it secured can aid people in establishing or reestablishing their credit. Security deposits are needed, and cardholders receive cashback benefits for their purchases. Additionally, Discover offers a free path to upgrade to an unsecured card after responsible card usage as well as free access to FICO Credit Score monitoring.
Credit One Bank Platinum Visa: The Platinum Visa from Credit One Bank is intended for people with fair to good credit. On qualifying transactions, it gives cashback benefits and presents chances to accumulate credit. The card also gives users access to monthly credit score monitoring and online account management.
OpenSky Secured Visa Credit Card: A secured credit card with no credit check needed is the OpenSky Secured Visa Credit Card. It’s a wonderful choice for people with little or no credit history. It provides flexibility with the security deposit amount and reports to major credit agencies, assisting you in building credit.
Review the conditions, costs, and advantages of each credit card option to see which one best suits your unique financial requirements and objectives.
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Conclusion: Is the total rewards visa credit card right for you?
Your credit position and needs will determine whether the Total Visa Credit Card is the best option for you. This card can present a chance if you need to establish or rebuild credit and have little or bad credit. However, it’s crucial to take into account the card’s annual fee and higher interest rates.
But as per our recommendation, you should consider any other credit-building credit cards because of the excessive fees on everything and very little credit limit. We also have sare some of the reviews posted of such credit cards above.
Compare the advantages and prospective credit-building prospects with the ownership costs. Choose a credit card that most closely matches your financial tastes and goals by comparing it to other accessible possibilities.
Is total visa a legit credit card?
The Total Visa credit card is a valid form of payment. It can be used to make purchases, pay bills, establish new credit, or rebuild existing credit because it is provided by trustworthy financial institutions.
Is a total visa a good card?
Your unique situation will determine whether the Total Visa Credit Card is a good card for you. It may be advantageous for those with bad or limited credit who want to establish or restore credit. However, it’s crucial to take into account the costs and higher interest rates linked to the card.
Does total visa give credit increases?
With responsible card use, the Total Visa grant credit limit increases come with a 25% fee for the whole increased amount, and over 12 months of payments on time are considered for this facility. The availability and regularity of credit limit increases, however, will depend on several variables, such as your payment history, creditworthiness, and the card issuer’s restrictions.