Is the Total Visa credit card legit?

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.

The Total Visa payment address is:

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.

Another good option is the U.S. Bank Cash+® Visa® Secured Card. This card offers 1 - 5% cash back, depending on the type of purchase and has a $0 annual fee.

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.

The best credit cards for a 550 score:

You can also check our editors’ latest picks for the best credit cards for bad credit on the market to see which one better suits your needs.

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.