Minimum Credit Score Needed 
Bad
Total VISA® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
Jan 11, 2019
Total VISA® Credit Card Review
- Expensive fees everywhere you look. The costs begin with an $89 “application-processing” 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 18.81%, according to WalletHub’s latest Credit Card Landscape Report.
- 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.
Jan 11, 2019
Total VISA® Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
29.99%
-
ANNUAL FEE
$75 1st yr, $48 after
Total VISA® Credit Card's Additional Info
-
MAX LATE FEE
$38
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
21 days
-
ONLINE RESPONSE
Yes
-
CASH ADVANCE
APR
29.99%
-
CASH ADVANCE
FEE
$0 the 1st yr, either $5 or 5% after
-
FOREIGN
TRANSACTION FEE
N/A
-
SMART CHIP
No
- 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
- If approved, simply pay a Processing Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
at The Bank of Missouri's secure site
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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.
Will my Total Visa available credit go up after I pay the annual fee? Reply 2
RODNEY BENNETT
Dec 6, 2018 · @rodneyben
You will not automatically get a credit limit increase after paying your Total Visa annual fee.
Howerver, you can ask for one, as credit limit increases may be approved after your account has been opened for six months and there have been no late payments and no over-the-limit issues.
2
Upvotes
How much do I initially have to pay to get the Total Visa credit card? Reply 22
Brianne Larch
Nov 27, 2018 · @BrianneLarch
The Total Visa card initial fee is $89. And then once your account is open, you have to pay a $75 first-year fee, and $123 each year after that.
You will have to live with that if you absolutely need an unsecured card to rebuild credit. There's no way to avoid it.
An alternative would be getting a secured card, and here the Discover it Secured, Citi Secured and Capital One Secured lead the pack. None of these charge a processing fee or an annual fee for that matter. Therefore, with responsible use, you'll rebuild credit at virtually no cost.
2
Upvotes
What will my Total Visa credit card limit be? Reply 21
Tobias Martin
Aug 7, 2018 · @tabonmars
Your Total Visa credit card limit will be $300. They may grant credit limit increases after your account has been opened for six months if it was used responsibly. They do not mention a credit limit increase fee, so it's safe to assume you won't be charged one.
2
Upvotes
Which credit bureaus does the Total Visa card report to? Reply 21
Vinnie Altone
Jun 18, 2018 · @vinnie_altone
They report to the big three, Transunion, Equifax and Experian, like pretty much any lender nowadays.
2
Upvotes
What's the usual Total Visa delivery time? Reply 1
Peter Fox
Jan 7, 2019 · @PeterFox
It will take two weeks at most to get the Total Visa card in the mail. That's 10 business days, but I got mine earlier than that.
1
Upvote
How can I get a Total Visa cash advance? Reply 11
JAMIE THOMPSON
Dec 10, 2018 · @ExTaxMan
You can get a Total Visa cash advance at pretty much any ATM in the world. But credit card cash advances are awful, just because they cost so much. Avoid them!
The folks that issue Total Visa will charge you 5% (min. $5) per cash advance and the APR is 29.99%. Plus, interest starts building up right away.
1
Upvote
Where can I make my Total Visa payment? Reply 31
JAMIE THOMPSON
Dec 10, 2018 · @ExTaxMan
Easies way to make a Total Visa credit card payment is online.
The site you're looking for is https://www.myccpay.com.
3
Upvotes
Where can I make my Total Visa online payment? Reply 21
RODNEY BENNETT
Dec 6, 2018 · @rodneyben
You can easily make a Total Visa online payment at https://www.myccpay.com. You will need to register for online banking if you do not already have an account. If you encounter any difficulties, give them a call at 888-547-6541.
2
Upvotes
Does the Total Visa credit card have rental car insurance? Reply 2
Peter Fox
Sep 24, 2018 · @PeterFox
Total Visa has rental car insurance and they will provide reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. You can learn more about it here: https://usa.visa.com/support/consumer/card-benefits/consumer-auto-rental-collision-damage-waiver.html.
2
Upvotes
Total VISA® Credit Card Reviews
Share your insights and review the Total VISA® Credit Card.
Jan 16, 2019
I had an unauthorized charge on my account in September and tried calling them but could not get in contact with a customer representative. I finally sent the information that the automated message tells you to send, only to have them send me an affidavit to complete and have notarized. I do this and send it in. Then I receive a letter with another affidavit and more instructions for things I need to send in. I do this as well. Only to get a letter on January 2 stating that they have not received my information. I call and explain the situation the lady tells me I must submit a police report. I explain there is no police report (the charge was made in NY, I have never used the card in NY) and this is the only company that is stating this is required in connection with this charge. She then tells me I will be responsible for the charges.… read more
Comment
Dec 29, 2018
Complete scam. They were hacked and my card was used in CA. I've never used the card, but because i didn't know it happened they except me to pay for it (LOOT CRATE). I believe its a sub company of theirs. which would make sense.
Nov 18, 2018
Reported stolen card yet keeps charging me and reporting as missed payments on all Credit reporting agencies. Very hard to actually get in contact with them as well. Absolutely a rip off of a credit card that’s supposed to help build credit
Nov 07, 2018
They are dishoy about raising your credit limit after six months. I paid this card in full every month. The 5th month, there was a payment error on their part, but I was told in the 6th month (when I applied for the increase) that even though the error was not my fault, I had to wait another six months to apply for and actually get, an increase. Poor customer service when trying to get them to take responsibility for their errors. Save your time and your money, and stay away from this card.… read more
Nov 07, 2018
After a bunch of start up fee of ($189), a deposit of ($300), monthly fees ($6.95 per month), and annual fees ($44.00 per year), I have cancelled the card due to one big issue...I had one fraudulent charge on the card and disputed the charge on August 27 which I noticed on the next monthly statement September 22. After 18 days the card issuer finally sent me an affidavit for the dispute. This would have been great a month after the fact and if I was informed as to what needed to be done in the meantime such as; file a police report…as the affidavit is only valid for 25 days…the police report take roughly 30 days to process so I am now stuck paying for the charge that was auto drafted out of my account. I would never recommend a sub-par company like this to any one I know and I truly hope they go under.… read more
11/20/18
I would highly recommend applying for Discover❗️I started out with a secured line of credit of $200. After 8 months, I was refunded my security deposit and I also received a $1800 credit limit increase. Not only do they offer cash back rewards, and points match after the first year but If you apply for any of Discover cards products and are approve using this code:
Become a Discover Cardmember and get a $50 Statement Credit with your 1st purchase within 3 months. https://refer.discover.com/s/ego65… read more
Become a Discover Cardmember and get a $50 Statement Credit with your 1st purchase within 3 months. https://refer.discover.com/s/ego65… read more
Sep 17, 2018
Horrible. They won’t even dispute charges for you. Their policies are different they say. I called and had to talk to them 4 times for hours each time and their fraud department is a total joke. Very sad.
Sep 12, 2018
I first want to start this off by saying i have never wrote a review for anyone let alone for a credit card but i feel so compelled to save other from signing up i for this card that i feel obligated. THIS BY FAR IS THE WORST CREDIT CARD I HAVE EVER HAD. You can only use a payment method once a month. Let me explain you can only pay using your debit card once a month or you bank account can only be used once a month also which is crazy. But what really made me write this review is the fact that my card was comprised and i caught the first charge within a hour of them using the card. I called the card was canceled and i was issued a refund for the amount and a new card was sent out no big deal. I go to pay my bill this month mind you this transaction happened a month ago and i see that the charge was put back on my card. I call customer service and there is no longer an option to talk to some regarding disputes they want to send me out paper work to send back in to them. This is the kicker they are telling me it take 7 business days for me to get the paper work which means i need to pay out of pocket to cover the charge that was on my card. Now i understand if they called me and told me this but they never called and of course they waited until 2 days before my card reports to do this so i have to pay. Run run run please do not get this card i have other credit cards that are great but this card is like going back into the early 2000s and the rewards program is no existence.… read more
11/12/18
Do have to correct one of the comments on here. You can make more than one payment on your account. I made 2 in one month 5 days apart from one another. If your making a payment with your debit card, you can make it 5 days from one another and if your making it any other way, 14 days apart.
09/13/18
I cant even find a phone number to get a hold of a real person to cancel my card. For three days they've been saying "in 60 minutes your card will be activated" and nothing. I want to cancel and get my $89 back. Do you have a # with real people on the other end? Thank you.
Sep 01, 2018
No protection for your card. My card was used online for $200+ and now I have to fill out an ‘affidavit’, notarize it and mail it back! Sounds like the start of a nightmare. Ridiculous. Getting this fixed and will close my account.
Jul 19, 2018
Card is a bad card. A secured card is better. Card has a 28% rate, I’ve been burned twice by being close to the limit and they charge the annual fee. Shame on me. Went over credit limit because of it and lost 18 points off my fico score. Listen to me please! Get a primor secured with the 200 minimum limit and 9.9% fixed rate. It’s the gold one. The total card is just too expensive. Annual fees, monthly maintenance fees. Yeah you will build credit but at what cost?… read more
Jul 16, 2018
they suck! have to always call don't have a pending balance... knew that I had only spent 150... but only had 15 bucks available.. where is the other money? their response sorry but we can't provide that information. WHAT? so your just as useless as the app... cancelled!
Jul 09, 2018
I pay on time and in full every month.
Yet, they keep putting 14 day payment holds on my account. I never had a returned payment.
Today, I called the company and spoke to a Quinton about my account. I expressed how, I used the last of my money to pay the account off, so it would cycle at a zero balance. I checked my account on Friday and I had available credit. When I went to grab dinner, all the funds were gone. Thankfully, I had a little money on me. The customer service was uncaring. I even told them to call my bank. I talked to Quinton and he said all i could do is email a bank statement and it will be off in 5 days, 5 days! He said he would try to expediate it.
There was no explaination of why my payments have on hold. I have never missed or bounced a payment! Because of this company I have no money for the rest of the week. I have no idea what i am going to do! No one at this company cares and it\'s sad.… read more
Yet, they keep putting 14 day payment holds on my account. I never had a returned payment.
Today, I called the company and spoke to a Quinton about my account. I expressed how, I used the last of my money to pay the account off, so it would cycle at a zero balance. I checked my account on Friday and I had available credit. When I went to grab dinner, all the funds were gone. Thankfully, I had a little money on me. The customer service was uncaring. I even told them to call my bank. I talked to Quinton and he said all i could do is email a bank statement and it will be off in 5 days, 5 days! He said he would try to expediate it.
There was no explaination of why my payments have on hold. I have never missed or bounced a payment! Because of this company I have no money for the rest of the week. I have no idea what i am going to do! No one at this company cares and it\'s sad.… read more
Jul 07, 2018
I lost my card and called in and cancelled it. It’s been a month and no new card. I was told they have run out of materials to print the new card. What card company runs out of plastic? They have no idea when I’ll get the new card. They have my deposit, but I have no card. Terrible customer experience.
Jul 01, 2018
I have had this card for a little over a year and I am very happy with it. It is doing a wonderful job at helping me rebuild my credit. I see a lot of bad reviews but I can assure you I haven\'t had any problems. If you keep an extremely low to zero balance each month, you should be good with this card because that is what I do. I make the payments manually through a checking account and I pay more than once so I never have a payment past due period! Even though there is a 21 day grace period I still do not pay late ever. I am happy to say that I got an email recently that I qualified for a credit limit increase and I followed the steps and waited to see if it increased and it did by $150 extra. It can be done if you manage it correctly as I am proof.… read more
May 12, 2018
Well I got the total visa back in April I lost it within a week called customer service and they where quick to respond they order my new card and had it within a week customer service is great. The APR is very high
I pay with my debit card and payment is updated with 24hrs it’s a good card to rebuild your credit my Fico score has gone up to 85 point in a month. Bottom line this card is good to rebuild your credit so far so good.… read more
I pay with my debit card and payment is updated with 24hrs it’s a good card to rebuild your credit my Fico score has gone up to 85 point in a month. Bottom line this card is good to rebuild your credit so far so good.… read more
Feb 13, 2018
In a nutshell crappy card, crappy limit increases. I got this card when I started rebuilding my credit. High APR, monthly fee, and online is not user friendly. Serves its purpose as credit rebuilder nothing more. No incentives etc. I do not recommend unless you no other options.
Jan 16, 2018
I waited 1 hour to speak to a rep then it hung up on me! Their customer service sucks really bad. I want to cancel but they make things complicated for you. Don’t waste your time with these people. This is the longest I have ever waited in my entire life for something and it hangs up on me an hour later of waiting. Smh
Dec 04, 2017
I have the total Visa card for 13 months now . I love it . The reality is , if your credit is shot to hec you may not even qualify for a secured card such as cap one . I didn't at first because my credit score was in the 400's , due to extenuating circumstances 7 years ago out of my control . They have raised my limit last month . I pay off the whole balance , or I pay more then the minimum every month . My credit score shot up 250 points from just paying on time . But it's down slightly because I applied for some more credit . I'm looking forward to it going back up eventually . Customer service is fine .… read more
Nov 18, 2017
My card just came in the mail. Is this card good for building credit? I’d rather not waste $89. I’m really trying to rebuild my credit after realizing how important credit is. I haven’t seen much reviews on this card in particular.
07/01/18
I would give it a shot as I have had no problems with this card since I have had it. Use it to only rebuild credit. DO NOT USE IT to buy gas at the pump ever. Use it sparingly and pay off what you use waaaay before due date. DO NOT PAY MINIMUM, pay more then the minimum ALWAYS! Work to carry under 15% balance every month and you will have no issues. This card is NOT an AMEX so don't act like it is, treat as a way to rebuild only and you will be fine. Once your credit grows to fair try to add a Cap 1 or other or even better get another card that is secured and will read as an "unsecured", Merrick Bank cards read as "unsecured" and you can get it the same way with a deposit. Use wisely and you will be fine.… read more
05/15/18
I would not waste my time with this card. U have to go in to pay for gas still. It has taken us over 2 weeks to get our refund back. We are getting the run around by these people.
Jul 09, 2017
I had this absolutely WORTHLESS card with a $200 dollar limit about 15 years ago. DO NOT WASTE YOUR TIME. Go to a major bank and apply for one of their Secured Credit cards where you can raise your credit limit by adding more to your security account. TOTAL Visa will not let you change your credit limit. SUCH A CRAPPY card!!!! STEER WAY CLEAR OF TOTAL VISA.
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Last updated on: January 11th, 2019 at 19:52
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:
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 and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jan 11th, 2019 at 19:52 ET