How do I apply for the Total Visa Credit Card? This question is about the Total VISA® Credit Card

How do I apply for the Total Visa Credit Card?

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This question is about the Total VISA® Credit Card

Maria Adams, Credit Cards Moderator

@m_adams • 07/12/21 This answer was first published on 07/12/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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, like your name, mailing address, phone number, date of birth, and Social Security number. Also, keep in mind that you must have a checking account to get approved for the Total Visa.

After you submit your Total Visa application, you could receive a credit decision instantly, and you’ll be sent a confirmation email with an application number in it. If you are approved for the card, you can pay your one-time $89 program fee on the Total Visa website (you’ll need your application ID or email address and your date of birth to locate your account). Alternately, you can pay the program fee over the phone by calling (844) 206-4371.

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.

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People also ask

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 issuers do. This will help you build positive credit history if you don't miss due dates or max out your spending limit.

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, most of the times, you get the status for your Total Visa application by email within 60 seconds from clicking the “Apply Now” button. Only in rare cases, it may take them up to 14 days to determine approval.… read full answer

So, before calling, make sure to check your spam folder as well.

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What is the Total Visa Card credit score requirement?

The Total VISA® Credit Card is available to people with bad credit. That means people with credit scores below 640 may have a shot at getting approved for the Total VISA® Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Total Visa Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Total Visa credit score requirement. You can check your credit score for free on WalletHub.

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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

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