Yes, the Total Visa® Card is a legit, real credit card. The Total Visa card is legit because it is issued by The Bank of Missouri, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.). The Total Visa also reports information to the major credit bureaus each month.
Why The Total Visa Card is Legit
Issued by The Bank of Missouri, an FDIC member that is accredited by the Better Business Bureau and has an "A+" BBB rating, in partnership with Vervent (former Total Card Inc.).
Rated 1/5 stars by WalletHub editors.
3.5 / 5 average user rating on WalletHub.
Reports to all three of the major credit bureaus: Equifax, Experian, and TransUnion.
$0 fraud liability guarantee.
In addition, the Total Visa card is legit because it’s on the Visa credit card network, meaning you can use the card anywhere Visa credit cards are accepted.
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%. Plus, interest starts building up right away.… read full answer
So, cash advances are costly transactions and it's best to reserve them only for emergencies.
Total VISA P.O. Box 84930 Sioux Falls, SD 57118-4930
When paying Total Visa bills by mail, be sure to submit either a check or money order for the payment amount. Total Card does not accept cash.
Tips For Mailing Total Visa Credit Card Payments
Include your credit card number on your payment to avoid any processing delays.… read full answer
Allow enough time for Total Card to receive your payment on or before the due date, or it will be considered late.
Send your payment via overnight mail, if necessary.
Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the mobile app for iOS and Android, or by calling customer service at 1 (877) 480-6988.
One of the best credit cards for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three major credit bureaus… read full answer (Equifax, Experian and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.
However, those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
Before applying for a card, though, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.
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