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.… read full answer
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 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. … read full answer
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.
Total Visa does not have a sign-up bonus or any ongoing rewards. The main benefits of having the Total Visa card are that it offers zero liability protection and reports monthly to the credit bureaus.
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