Accepted Credit Score
Bad Credit
Editor’s Take
John Kiernan, Credit Card Editor
July 22, 2021
Review: Total Visa
The Total Visa Card is an expensive unsecured credit card for people with bad credit. The Total Visa Credit Card does not require applicants to place a refundable security deposit, but it does charge high fees, starting with an $89 “program fee” that’s assessed before account opening. There’s also a $75 annual fee the first year, which is replaced by a total of $123 in monthly and annual fees each year after.
What do you get in return for those non-refundable fees? A fairly low limit and a very high APR. The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
The costs begin with an $89 program fee before you even get your Total Visa Card, and they just keep on coming. You’ll get hit with a $75 annual fee upon account opening, which gets replaced by the combination of a $48 annual fee and a $6.25 monthly fee in the second year.
New Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
The Total Visa Credit Card has an astronomic APR, which will quickly inflate the cost of any balance carried from month to month. For context, the average secured credit card charges only 17.75%, according to WalletHub’s latest Credit Card Landscape Report.
Total Visa allows you to choose a design for your card from their gallery. There are a handful of options, including dogs and cats, flowers, a beach scene, and an American flag design.
You need a checking account to get approved for the Total Visa Credit Card. It will be used to facilitate monthly payments. This is fairly standard, but not all credit cards require a bank account.
Whether you need an emergency loan or just a low-cost means of building credit, you can do better than the Total Visa Credit Card. Just take a look through WalletHub’s picks for the best credit cards for people with bad credit.
The Total Visa Card’s application processing fee is $89. This fee, which the Total Visa calls a program fee, is assessed prior to account opening and card activation.
The Total Visa Card’s credit limit is $300. A new cardholder’s initial available credit will only be $225, however, as the card’s $75 first-year annual fee is assessed upon account opening.
To activate a Total Visa Card, pay the one-time program fee for the account, find your approved application on the Total Visa website, and follow the instructions to activate your card.
What do you get in return for those non-refundable fees? A fairly low limit and a very high APR. The Total Visa Card’s credit limit is $300+ to start, and its regular APR is 34.99% – almost twice as much as the average secured credit card charges. As a result, whether you’re in the market with a secured card or an unsecured card, you should be able to do better than the Total Visa.
Total Visa Review Highlights
Monthly credit-bureau reporting
The Total Visa Card reports account information to the three major credit bureaus each month. This will help you build positive credit history if you don’t miss due dates or max out your spending limit.
Expensive fees everywhere you look
The costs begin with an $89 program fee before you even get your Total Visa Card, and they just keep on coming. You’ll get hit with a $75 annual fee upon account opening, which gets replaced by the combination of a $48 annual fee and a $6.25 monthly fee in the second year.
Limited initial spending power
New Total Visa cardholders start with a $300 credit line, of which only $225 is immediately available given the $75 first-year fee. So you have to ask yourself if that’s enough of an emergency loan to meet your needs. After all, the whole point of using an unsecured credit card for bad credit, such as the Total Visa, is to satisfy financial obligations that you can’t afford in cash. If you don’t need extra spending power, a secured credit card will make credit building much cheaper.
Interest packs a punch
The Total Visa Credit Card has an astronomic APR, which will quickly inflate the cost of any balance carried from month to month. For context, the average secured credit card charges only 17.75%, according to WalletHub’s latest Credit Card Landscape Report.
Card design options
Total Visa allows you to choose a design for your card from their gallery. There are a handful of options, including dogs and cats, flowers, a beach scene, and an American flag design.
Bank account required
You need a checking account to get approved for the Total Visa Credit Card. It will be used to facilitate monthly payments. This is fairly standard, but not all credit cards require a bank account.
Better options for bad credit
Whether you need an emergency loan or just a low-cost means of building credit, you can do better than the Total Visa Credit Card. Just take a look through WalletHub’s picks for the best credit cards for people with bad credit.Learn more about the Total Visa Card
Total Visa Card phone number
The Total Visa Card customer service phone number is (844) 548-9721. People who do not yet have a Total Visa Card can call (844) 206-4371 for questions about the application or paying the Total Visa program fee.
Total Visa Card processing fee
The Total Visa Card’s application processing fee is $89. This fee, which the Total Visa calls a program fee, is assessed prior to account opening and card activation.
Total Visa Card credit limit
The Total Visa Card’s credit limit is $300. A new cardholder’s initial available credit will only be $225, however, as the card’s $75 first-year annual fee is assessed upon account opening.
Total Visa Card activation
To activate a Total Visa Card, pay the one-time program fee for the account, find your approved application on the Total Visa website, and follow the instructions to activate your card.
This Total Visa review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
July 22, 2021
Total Visa's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| $89 |
| ANNUAL FEE
|
| $75 1st yr, $48 after |
| MONTHLY FEE
|
| None 1st year, $6.25 after |
| REGULAR RATE
|
|---|
| 34.99% |
| GRACE PERIOD
|
| 21 days |
Total Visa's Highlights
| Checking Account Required |
| Fast and easy application process; response provided in seconds |
| A genuine Visa® card accepted by merchants nationwide across the USA and online |
| Manageable monthly payments |
| $300 credit limit (subject to available credit). |
| Multiple card designs available |
| Reports monthly to all three major credit bureaus |
| See rates, fees, costs and limitations for additional details |
Total Visa's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| FOREIGN TRANSACTION FEE
|
N/A |
| SMART CHIP
|
No |
-
CASH ADVANCE APR
34.99%
-
CASH ADVANCE FEE
$0 the 1st yr, 3% (min $10) after
- Last updated on 7/22/2021
at Total Card Inc's secure site
Related Credit Cards
If you are interested in the Total VISA® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Total VISA® Credit Card is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Total VISA® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Where can I make my Total Visa payment? Reply 12votes7votes
WalletHub
@WalletHub
You can pay your Total Visa Credit Card bill online by logging in at myccpay.com.
However, be sure to steer clear of myccpay.net. That is a fraudulent site designed to lure Total Visa customers into giving up their account information.
It’s easy to make this mistake, so before you enter any account information, confirm that you’re at myccpay.com rather than myccpay.net.
12
Upvotes
How do I apply for the Total Visa Credit Card? Reply 9votes1votes
Maria Adams
@m_adams
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.
9
Upvotes
Where can I make my Total Visa online payment? Reply 6votes2votes
Bogdan Roberts
@bogdan_roberts
You can easily make a Total Visa online payment at myccpay.com. You will need to register for online banking if you do not already have an online account. You can use the same website to link your bank account for automatic payments. For any further inquiries, or to make a payment by phone, simply call customer service at (877) 480-6988.
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
6
Upvotes
How do I check my Total Visa application status? Reply 2votesvotes
Maria Adams
@m_adams
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.
So, before calling, make sure to check your spam folder as well.
2
Upvotes
How can I check my Total Visa balance? Reply 8votesvotes
Adam McCann
@adam_mccann
To check your Total VISA® Credit Card balance by phone, call (877) 480-6988 and follow the prompts. To check your Total Visa Card balance online, log in to your online account and you will see your current balance on your account summary page.
It’s also good to note that you can see your Total Visa Card balance on the statement you will receive each month. However, that balance is only accurate as of the date the billing cycle closed, so if you’ve made any more purchases or payments since then, your actual balance will be different.
8
Upvotes
How can I get a Total Visa cash advance? Reply 3votes2votes
Maria Adams
@m_adams
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.
So, cash advances are costly transactions and it's best to reserve them only for emergencies.
3
Upvotes
How can I activate my Total Visa card online? Reply 2votesvotes
Bogdan Roberts
@bogdan_roberts
If you've already paid the Program Fee and received your card, you can activate your Total Visa online, through the dedicated activation web page.
Here is how to activate your Total Visa:
- Visit the Total Visa activation web page. If you haven't paid your Program Fee, you will have to do so before activation.
- Enter your date of birth along with your application ID or email address.
- Click "Submit" and fill in the form with the required information (e.g.: card number; last four digits of your Social Security Number, phone number).
- Click "Activate My Card".
If for any reason you have trouble activating your card, simply call Total Visa customer service at (877) 526-5799 for assistance.
2
Upvotes
How much is the Total Visa Card annual fee? Reply 19votes7votes
WalletHub
@WalletHub
The Total Visa annual fee is $75 1st yr, $48 after. Total Visa’s $75 1st yr, $48 after annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the Total VISA® Credit Card, either.
Total Visa Fees
- Annual Fee: $75 1st yr, $48 after
- Cash Advance Fee: $0 the 1st yr, 3% (min $10) after
- Foreign Fee: N/A
- Balance Transfer Fee: N/A
- Max Late Fee: $40
19
Upvotes
Does Total Visa report to all bureaus? Reply 10votes11votes
Bogdan Roberts
@bogdan_roberts
Yes, Total Visa reports credit activity to all three major credit card bureaus (Transunion, Equifax and Experian). As long as you keep your Total Visa account in good standing and maintain your credit utilization below 30%, this card will allow you to rebuild your credit. You can also check out WalletHub's Total Visa review to figure out if it's the right choice for you.
When applying for the Total Visa, a hard inquiry will be triggered and your credit report will be pulled from either one or more of the three major credit card bureaus.
10
Upvotes
How can I go over my Total Visa credit limit? Reply 8votes1votes
Bogdan Roberts
@bogdan_roberts
You may be able to go over your Total Visa credit limit with the issuer's approval, but there are no disclosed guidelines as to what makes an account eligible. When allowed to go over your credit limit, no fee will be charged. Keep in mind that being able to go over your Total Visa credit limit on one occasion does not guarantee you'll be able to do so multiple times.
Also, if you want to avoid damage to your credit score, keeping your credit utilization below 30% is generally advised. So rather than leaving matters to chance and risking credit score damage, it's best to either budget carefully or ask for a credit limit increase. You may request a Total Visa credit limit increase 12 months after account opening by calling the number on the back of your card.
8
Upvotes
Total Visa Video Review
Total Visa Reviews
Share your insights and review the Total VISA® Credit Card.
Jul 30, 2021
They somehow and for some reason increase my balance that I owed sometime last year from my Limit being only $300 to my balance being over $3,000! And I don't recall them ever checking with me about the charges! Also, now I have to dispute it and not be able to dispute anything else until the investigation is complete! So really, what choices do I have for my credit would be suffering if I didn't pay it! So although I was well over the credit limit of $300.00, they say I was owing them over $3,000.00 and something dollars! I asked for a credit limit increase since I was already over it anyways and paying it off like I was supposed to and they denied it! And still to this day, they haven't given me an increase in my credit limit even though my balance is down to zero! I already paid their yearly fee and everything else! And I think it's ridiculous when you have a limit, key word is "LIMIT", that they can say you went over it, especially by that much!… show more
Comment
Jul 06, 2021
I enjoy this card very very much! It’s so easy to use and the payment choices are even better being you can pay with a debit card and it be credited to your account the same day.
Jul 05, 2021
It’s okay. I got this card 3 years ago & it has helped my credit score a little but not what i expected. I have ALWAYS paid my bill on time & my credit report shows an excellent payment history & no late payments with this credit card company but when i requested a second increase i was denied & the reason was because i had 6 late payments in a 12 month period which is absolutely false!!… show more
Jun 28, 2021
hi guys so I applied and was the application is pending they needed me to send over id utility bill and ss card and the documents needed to have my address. I get a call from them the day after I applied just verifying that I put a freeze on my ssn. I verified that it was indeed me. so now I'm just waiting. has anyone went through the pending status if so what happened?
Jun 21, 2021
Wish I could put ZERO. Hot mess! Originally got this as a starter card to help my niece -- I had to re-educate her on how not to get involved with these type of cards and now let her use my AMEX. Compared the difference so she could understand where we went wrong getting involved with this company. She now has her own AMEX and Citibank Visa. We paid off TOTAL and have been trying to close the account for 4 months while they collect fees. We are filing a lawsuit to get these fees back, our lawyers fees, and for inconvenience. So ridiculous! We will win! Highway robbery and sub-prime abuse I since learned. Its my mistake to have even gotten this for her. But we both know better now. Going to take out an op-ed on their poor practices and already reported to BBB… show more
Jun 10, 2021
The Total Visa was my first non-secured credit card. It has been easy to maintain and played a part in my rising credit score. It has a high APR and a $49 annual fee, BUT if handled responsibly, will allow you to eventually qualify for better cards. It is a great starter card!!!
Jul 30, 2021
FANTASTIC INSTITUTION AND GREAT CUSTOMER SERVICE AND AWSOME SERVICE AND DEFINITELY RECOMMEND THEM TO ANYONE WHO HAS A GREAT EXPERIENCE WITH THEM AND EVERYONE ELSE
Jul 22, 2021
Total Visa gives almost everyone starting off with fair credit a chance to prove yourself and will give you credit increases quarterly too.
May 30, 2021
Not an ideal card for users that don’t utilize the card on a regular basis. The $6.25 monthly maintenance fee is not great, but if you have subpar credit, then this card may be what you need.
May 05, 2021
Fees are extremely high. They do offer increases after thirteen months but they charge fees for that as well. Do not have an app which can be a pain. It is an option for building credit with no security deposit.
May 03, 2021
This card and their customer service absolutely sucks!!!!! The representatives nor the supervisors don’t know their backside from a hole in the ground. (since I’m not allowed to cuss on my review u get what I mean ) I have a dispute out with out with them for a $40 payment that they said that they never received yet it came out of my bank account I faxed over a copy of my bank statement and they still said that they have not received my bank statement and their secret dispute department that they have no way to email or contact or have access to is saying they never got my fax . So I faxed it again. It will probably take them over six months to handle this dispute over $40 I even had a three-way call with the bank representative and the total card representative and myself and the bank representative said that the money came out of my account so where did it go??? Total Access is Total GARBAGE !!!! Run don’t even sign up for this card. You pay $89 fee just open it and then they charge you all of these little extra fees plus the interest-rate is astronomical all for a $300 credit card limit to supposedly build your credit ??I’ve had this card for two years I’ve made every payment on time yet they won’t give me a credit increase. TERRIBLE oh yeah and by the way get some people who can speak friggin English !!!!… show more
Apr 29, 2021
Low credit amount. High APR, high annual fee. Has disconnected my automatic payment without my knowledge a couple times and tried charging me a late fee. Garbage card.
Apr 18, 2021
It's not the card to have when trying to rebuild your credit. It's a limit on cash withdrawals half of the total amount that's all
Apr 17, 2021
It's worth it to build credit but make sure that when it reports that the balance reported is accurate. High rates and reliability makes this a good starting card
Apr 12, 2021
I don't have much to say.... Love my card.... Have had no issues with it.... Have received my credit increases upon request without any issues
Apr 07, 2021
Total Visa only start out with 300.00 and have a very high interest rate. Never report payments on time and refuse to correct it causing late payments on credit file.
Apr 06, 2021
This card was one of my first cards used to rebuild my credit. It has been a lifesaver to handle small accounts to keep me updated and active and has helped in other scenarios... I would recommend and use it wisely
Apr 05, 2021
At 34.99 APR a consumer would do better by borrowing money through a "loan shark." Its exorbitant APR coupled with its annual fee added in each month makes it a lack of options rather than a choice. There's no customer service whatsoever. Caveat Emptor would be the best strategy here! Run, very fast!
">
Mar 26, 2021
Great card if it's the only one you can get. Otherwise yearly fee,and if you ask for credit line increase, you will pay 20% of what your card is increased ( ask for $1000.00 line increase you will pay $200 fee!!! That is crazy!!
Mar 24, 2021
This card is the absolute worse!! I have had this card for over 2 years and I have not gotten a credit increase. I pay my bill on time etc. I hardly ever use it but because of the interest rate the balance never seems to go down. I asked for an increase because one is not given to you until you ask. If they approve you you must pay 20% of that increase; it is added onto your bill. You cannot make a payment from your checking acct twice however they will allow you to use your debit card from the same acct.. wtf! I have 4 other credit card accts that have increased my account after 6 months WITHOUT me asking for it.. Their customer service sucks! I suggested Capital One, Mission Lane anyone but this company!! I will be paying off this account in 2 weeks and closing it. I will just take the hit to my credit score. Do not do it to yourself... look for another company.… show more
Mar 24, 2021
This card is a joke had it for a year and a half never went over the limit never missed a payment and cannot get one credit increase. Found a much better card so I called to pay off and close this account and to go along with all of their ridiculous fees they already have it's 10 bucks to do it over the phone. So glad to be done with these thieves! And that's exactly what they are.… show more
Mar 16, 2021
Opened this card just to Have another credit card never used it only paid the monthly servicing fee, had my account on auto pay and they decided to turn off my auto pay causing me to miss a monthly payment, get charged a late fee and added a ding to my credit score. Closed my account on the spot do not recommend at all, and they charge 20% for a credit increase
Mar 15, 2021
Absolutely horrible. I filed a dispute. They took two months to resolve it, and told me in the meantime that I would not have to pay, and they wouldn't report late payment. They resolved the dispute wrongly, saying I was obligated to pay, and they didn't notify me and just reported the account as past due. This card is a LIABILITY! Their customer service is garbage and they just told me to go back through the dispute process again. No attempt to provide additional support.… show more
Mar 10, 2021
This card has way too high interest plus an annual fee. I don't recommend it unless it's your only choice. There are better options out there.
Mar 02, 2021
Do not get this card if you have other options they charge interest daily like other cards but won’t allow you to make extra payments to lower the daily interest they also won’t adjust the interest when You pay off the account like I just did, I was going to have to make a second payment today to cover the last 60$ and was told no I have to wait 5 days before I could pay it off, so I said I was a portion of the interest waived since I’m not able to pay it off completely today because of your policy and they said no, I’ve never been so happy to close and account I work in credit cards I’m pretty sure they aren’t in compliance with the udaap regulations for fair lending… show more
Feb 24, 2021
Only get this card, if nobody else will give you one. This is Bank of Missouri. They have several low credit score predator cards. They have TERRIBLE customer service. They will do nothing (they lie, saying they are sending you forms), if you dispute charges that you didn't make. I noticed fraudulent charges that maxed my card. If that wasn't bad enough, TOTAL charged me a month in advance for an annual renewal that I didn't even want to do. This put the card $4 over the credit limit and it was reported to credit, knocking my credit score down 26 points. (First Premier is the same bank)… show more
06/04/21
First Premier is not the same bank and Total Visa. I only know this because i previously worked for the company. I agree its total garbage
Feb 18, 2021
Nope - no good. I received this card a year or more ago; $300 limit. I’ve paid off balance each month, not minimum payment, with no late payments. Issuer has not allowed for an increase - if they did, they’d charge 20%. So, for example, if they did raise it to $500, then it would cost me $40!
I also feel this card is intentionally designed for failure to make the issuer maximum $$ on fees. It is difficult to access the website, and there is no easy to use app. Customer support is terrible if you have questions. My Discover card, for example, has a robust; easy to use app as does my other card. If you get this card, you will have to be intentional about overcoming what I believe are intentional obstacles.
I no longer use the card. I just leave it open and auto-pay the small monthly fee. Once it will no longer damage my credit to close the acct., it will be closed.… show more
I also feel this card is intentionally designed for failure to make the issuer maximum $$ on fees. It is difficult to access the website, and there is no easy to use app. Customer support is terrible if you have questions. My Discover card, for example, has a robust; easy to use app as does my other card. If you get this card, you will have to be intentional about overcoming what I believe are intentional obstacles.
I no longer use the card. I just leave it open and auto-pay the small monthly fee. Once it will no longer damage my credit to close the acct., it will be closed.… show more
Jan 09, 2021
This card didn’t work out so well for me. It’s way too expensive for what you get. Every month you are assessed a $6.00 charge for the privilege of having the card. Personally, I don’t have the time to deal with the extra bookkeeping. I know you should try to avoid closing accounts, but I dumped this card because I have a problem with their plan to make me use their card every month whether I want to or not. If you have other options, AVOID this card, it’s just not worth it!… show more
Dec 28, 2020
I got this card after a bankruptcy with a $300 limit i make over $60k a year my bankruptcy is over 2 yrs old my payment history is at 100% on all my credit, i now have over $10k in available credit on cards and this card declines me for a limit increase i immediately called and canceled this card no need for it or its fees, really p/o that i wasted my time and paid these people on time 100%… show more
Dec 16, 2020
Terrible customer service. It was stated I submitted a fraud claim, in which I did not. I was told to fax statement stating that I didnt submit the claim. I fax requested information over 8 times. Spoke with support and managers and got no where. This went on for about a month. The account was then closed, while closing on a home. My credit score dropped 33 points.
Nov 23, 2020
Verified Customer
If you decide to get this card to better your credit you better hope your info/card does not get stolen. The fraud dept will not talk over the phone, when you call all they will do is submit to the dept for you. You have to fill out a form, mail it in and wait up to 2!!!! Months to get it taken care of. The credit card is almost maxed out and it’s reporting on my credit and hurting my credit while waiting their 2 months. There are way better options, I would recommend steering away from this one.… show more
Oct 13, 2020
Verified Customer
Terrible customer services and you will be over charged in fees. Ive trued several times to speak to representative or supervisor yet i always get hung up on.i would not recommend this card to anyone. You will be in more debt trying to catch up and pay back.
Oct 04, 2020
Verified Customer
Total Visa discontinued their covid program unlike most other credit companies so I guess I'll stay with those who helped and Total Visa will go in the trash.
They charge a high annual fee anyway so I'd rather use my Discover and Capital One cards anyhow.
So much for rebuilding my credit huh.
Thanks Government!!!!
They charge a high annual fee anyway so I'd rather use my Discover and Capital One cards anyhow.
So much for rebuilding my credit huh.
Thanks Government!!!!
Jun 23, 2020
Verified Customer
They decerve no stars, had their credit card for a year and then they started charging me $6.25 a month just to have their card with only a $300 credit limit with a 34.99% apr, they are crazy!!! Closed that account and would never recommend. STAY AWAY FROM TOTAL!!!
May 27, 2020
Not a great deal. I have had card for 12 months never been late, never extended card, paid early. Requested increase, declined stating I’ve had past late charges on other accounts prior to getting this card. My credit score has increased tremendously and was told the interest rate stays the same. There is no benefit to having this card other than to help with your credit in making payments on time. Be aware of annual fees and monthly fees, very steep. Again no perks or benefits worth having this card. Customer service is not very helpful either, they have a lot of “can’t do.”… show more
Apr 27, 2020
Verified Customer
I have had this total card for 7 months. I did read the reviews before I received but I also know that each experience is different. I love my card. Yes I paid the fees and will continue to pay them. They have given me a chance many other cards have not. I use the card sometimes just 50 dollars. Sometimes the full $300. But I pay on time the full amount every month sometimes 2 a month. And yes they do report to the credit bureaus i wouldn't admit all three but the main two that most do i have Credit Karma so that is how I know about those two. Yes I know that a year of having the card it will be a couple of fees and i am ready to pay them. I have it marked in my calendar the month before letting me know to make sure I don't use it but for gas so I won't go over limit. Responsible use is hard if you don't train yourself and you shouldn't spend the amount if you are unable to pay it with cash is just a tip I use... Thank you Total for this opportunity I look forward to having this card for years to come!!!… show more
Apr 25, 2020
Its ok for bad credit, but it seems my credit was doing fine without it. I pay my full balance off each month. I went 4 dollars over my balance and it flagged my credit report over limit. My credit score dropped alot of points i will pay it off completly close my account and deal with self lender. Its my fault my credit is bad but this is not helping if im reported for using the card or not using the card. There seems to be no sure way to rebuild ur credit if i get points taking away for simple things… show more
Apr 07, 2020
Verified Customer
If your credit is bad and you have not applied for a card in years and need somewhere to begin, then get this card and maybe one other. Don't use it, pay the fees they charge you, check your credit. After 6 months to a year, go to a Citi Double Cash card and close this account. That way you have a steady credit history. I will be closing this account in the near future, no real benefits besides building credit.… show more
10/25/20
FYI, you have to have excellent credit for Citi's Double Cash Back card. So six months with this card is not going to get you in that 800 range. And closing an account will cause a score drop because your credit age and utilization will be affected. You should use a card if you have bad credit... credit card issuers look at high and low balances. If you don't use the card they will pass on you because they won't make money off you. Also, in order to show responsible credit card use, you have to use it and then pay off the debt! Your advice should not be heeded.… show more
Mar 26, 2020
PURE EVIL! This card issuer, Bank of Missouri, is the DEVIL! If you're credit has taken a nosedive like mine did, then you have to start somewhere but this card is the worst imaginable. Discover has the BEST second chance card in existence and they treat you like a human being. DO NOT GET THIS CARD
Feb 27, 2020
This card sucks, I would not recommend this card unless you plan on canceling it within the same year, the customer service sucks, they just had a data breach for customers using cards at Wawa‘s gas station, they didn’t send out new cards to customers, This card actually did not help my credit it helped me hurt my credit, and did I mention the customer service sucks
Page:
1
·
2
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: Jul 22nd, 2021 at 11:46 ET
Related Credit Cards
If you are interested in the Total VISA® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Total Visa is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jul 22nd, 2021 at 11:46 ET