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

You can apply for the Total Visa credit card online by clicking on “Apply Now”. There is no way to apply over the phone or in person. What you should know about the Total Visa application process: You’ll need to provide some personal details, including your name, mailing address, phone number, date of birth, and Social Security number. Keep in mind that you will also need to have a checking account before applying for the Total Visa. After you submit your Total Visa application, it usually takes a few seconds to get a decision. You’ll be sent a confirmation email with an application number in it. If you are approved for the card, you can pay the 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 within 7-10 business days.

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How do I apply for the Total Visa Credit Card?

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This question is about the Total Visa® Card

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Maria Adams, Credit Cards Moderator

@m_adams • 09/23/22 This answer was first published on 07/12/21 and it was last updated on 09/23/22.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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You can apply for the Total Visa credit card online by clicking on “Apply Now”. There is no way to apply over the phone or in person.

What you should know about the Total Visa application process:

You’ll need to provide some personal details, including your name, mailing address, phone number, date of birth, and Social Security number.
Keep in mind that you will also need to have a checking account before applying for the Total Visa.
After you submit your Total Visa application, it usually takes a few seconds to get a decision. You’ll be sent a confirmation email with an application number in it.

If you are approved for the card, you can pay the 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 within 7-10 business days.

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Wikelmann, Member

@wickl20 • 05/17/22 This answer was first published on 05/17/22. 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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Scamsssssssss. My initial fees was $89, in which I’ve paid. When I received my card, it was an additional charge of $75, I asked to closed my account immediately once I noticed that. 2 months later, I get a bill from them stating that I had a balance plus late fees when I’ve never used the card. Long story short, they never refunded my account starting fee’s and I ended up paying them and additional $29 bucks so that it wouldn’t get reported on my credit, completely disaster. I spoke to the rep and his supervisor and informed them that if I had to pay that fees, I would made this matter aware all over the internet, the supervisor basically said she didn’t care.

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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?

To check your Total Visa application status, call customer service at (877) 526-5799 and follow the prompts to get connected to a representative. You will need your application ID, which can be found on the confirmation email.

It’s also worth noting that once you submit your Total Visa application, you should receive a decision by email within 60 seconds. Only in rare cases, it may take the issuer up to 14 days to make a ruling. So, before calling, make sure to check your spam folder as well.... read full answer

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What is the Total Visa Card credit score requirement?

The Total Visa® 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® 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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