If, on the other hand, you want to pay the $89 one-time program fee and activate your card, you can do so through the Total Visa dedicated web page. You'll need to enter your date of birth along with your application ID or the email address used when you applied for the card. You can also pay your one-time program fee by calling Total Visa customer service at (877) 526-5799
The Total Visa credit card minimum payment is $40 or 5% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $40, the Total Visa credit card minimum payment will be equal to the balance. In addition, if you recently missed a payment or exceeded your credit limit, Total Card may add a late fee or the overlimit amount to your minimum payment.… read full answer
The minimum payment is the smallest amount you’re obligated to pay by the due date for your Total Visa credit card account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.
Cardholders can set up Total VISA® Credit Card automatic payments through their online account or the Total Card mobile app. Calling customer service at 1 (800) 800-2143 also is an option. Once you’re enrolled, Total Card will withdraw the payment amount from your linked bank account on the scheduled date.
Log in to your online account via the Total Card website or mobile app.
Find the “Payment” on the account home page and then select “Automatic payments.”
Enter your bank account routing number and account number. This is the account from which Total Card will deduct your payment each month.
Select your payment amount. Choose from the minimum amount due, the current balance, the statement balance, or a customized amount that is more than the minimum payment.
You should always make sure your bank account has enough funds for the payment a few days before the due date, to be safe. And once you’re in enrolled in automatic payments, don’t forget to review your recent transactions regularly.
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