Total Visa Review

If you're looking for a pathway to establish or rebuild your credit, the Total VISA Credit Card is designed to provide that opportunity!  

The Total VISA Card is focused on providing this core benefit, along with some perks like cash back rewards and free credit monitoring, to support your journey. 

This card, issued by The Bank of Missouri, offers a chance for those who may have faced credit challenges in the past to get an unsecured Visa credit card. Get ready to take charge and work towards your credit goals!

CREDIT CARD

Total Visa

CASH BACK REWARDS Free credit monitoring

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Benefits of the Total VISA Credit Card

1. Opportunity for Less-Than-Perfect Credit: This is the main advantage! If you have poor or fair credit, or a limited credit history, the Total VISA Card is designed to be an accessible option when other cards might not be. It’s a chance to get started!
2. Unsecured Credit Card: No security deposit needed! Unlike secured cards that require an upfront cash deposit, this is an unsecured card, which can be a big help if you don’t have extra funds for a deposit.
3. Reports to All Three Major Credit Bureaus: Build your credit history! Your account activity is reported to Experian, Equifax, and TransUnion, which is crucial for establishing or improving your credit score over time with responsible use.
4. Earn 1% Cash Back Rewards: Get a little something back! You can earn 1% cash back on payments made to your Total VISA Credit Card account. It’s a nice incentive for making your payments! 
5. Free Credit Monitoring: Stay informed about your credit! The card often comes with free credit monitoring powered by TransUnion, helping you keep track of your credit report and score. Knowledge is power!
6. User-Friendly Mobile App: Manage your account on the go! A mobile app is typically available to check your balance, make payments, and monitor your account activity conveniently.
7. Choose Your Card Design: Personalize your card! You can often select from various card designs, with some free options and some premium designs available for a fee.
8. Fast and Easy Application Process: Applying is designed to be quick and straightforward with an online application and the potential for a quick credit decision.
9. Initial Credit Limit Up To $500 (See Terms): Get a starting credit line to manage your purchases. While the initial limit might be modest (e.g., $300 is common), it provides a way to make purchases and show responsible credit management. (Fees will reduce your available credit initially).
10. Visa Acceptance: Carry a card that’s widely accepted! As a Visa card, you can use it at millions of locations worldwide, online, and for various transactions where Visa is accepted.

Who Can Apply?

The Total VISA Card is aimed at individuals with fair to poor credit. General criteria usually include:

• Age: You must be at least 18 years old.
• Residency: You must be a U.S. resident with a valid U.S. street address.
• Identification: You’ll need a Social Security Number (SSN).
• Checking Account: A checking account is typically required.
• Income: You’ll need to demonstrate that you have enough income to afford the monthly bill payments.
• Credit History: While designed for those with less-than-perfect credit, approval is not guaranteed and your credit history will be checked.

How to Apply?

Applying for the Total VISA Card is generally an online process:

1. Visit the Official Website: Go to the Total Card Visa website (like the one you provided: totalcardvisa.com).
2. Complete the Secure Online Application: Fill out the application form with your personal details (name, address, SSN), income information, and any other required information.
3. Review Terms and Conditions: Before submitting, carefully read all the terms, fees, interest rates, and conditions associated with the card. This is especially important for this type of card.
4. Submit Your Application: Once you’ve reviewed everything and ensured your information is accurate, submit the application.
5. Get Your Credit Decision: You may receive a credit decision online within seconds or a short time.
6. Pay Program Fee (If Approved): If approved, you will typically need to pay a one-time Program Fee (e.g., $95) to open your account and activate your card. This fee is separate from the annual fee and other potential fees.

Frequently Asked Questions

1. Is the Total VISA Card a secured or unsecured credit card? The Total VISA Card is an unsecured credit card. 
2. What are the main fees I should be aware of? The Total VISA Card is known for having multiple fees. These typically include a one-time Program Fee, an Annual Fee, and after the first year, a Monthly Servicing Fee may apply. 
3. How does this card help build credit? The card issuer reports your account activity, including your payments and balances, to the three major credit bureaus. By making on-time payments and managing your credit responsibly, you can establish a positive payment history, which is a key factor in building or improving your credit score.
4. What is the typical credit limit for the Total VISA Card? The initial credit limit is often modest, for example, $300. It’s important to remember that the Program Fee and Annual Fee will be charged to your account upon opening, which will reduce your initially available credit.

CREDIT CARD

Total Visa

CASH BACK REWARDS Free credit monitoring

APPLY NOW You will be redirected