Minimum Credit Score Needed 
Bad
Total VISA® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
Jun 10, 2020
Review: Total VISA® Credit Card
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.
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.
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.
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.
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.
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 17.46%, 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 for free. 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.
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.
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.
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.
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.
Jun 10, 2020
Total VISA® Credit Card'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® Credit Card'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). |
| Reports monthly to all three major credit bureaus |
| Select your favorite card design from our gallery, for free! |
Total VISA® Credit Card'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
at The Bank of Missouri'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.
Where can I make my Total Visa payment? Reply 126
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
Does Total Visa report to all bureaus? Reply 910
Vinnie Altone
@vinnie_altone
The Total Visa credit card will be reported to all big credit bureaus, like Transunion, Equifax and Experian. Most, if not all, lenders do that nowadays.
9
Upvotes
How much do I initially have to pay to get the Total Visa credit card? Reply 87
Brianne Larch
@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.
8
Upvotes
How can I go over my Total Visa credit limit? Reply 71
KEYAIRA SUTTON
@keykey
You may be able to go over your Total Visa credit limit with the issuer's approval, based on your payment history and overall financial responsibility.
Going over your credit limit isn't always possible, so it's best to either budget carefully or ask for a credit limit increase, in order to avoid hitting your credit limit.
7
Upvotes
How do I apply for the Total Visa Credit Card? Reply 6
Harold Rasmussen
@harold_ras
You can submit a Total Visa Credit Card application online or in one of The Bank of Missouri's branches. The online application is fast, secure, and convenient, so I'd go for that. Total Visa allows you to choose a design for your card from their gallery for free, but the fees the card carries are rather high.
The Bank of Missouri operates more than 20 branches and provides various financial products and services to its customers.
6
Upvotes
Will my Total Visa available credit go up after I pay the annual fee? Reply 67
RODNEY BENNETT
@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.
6
Upvotes
Does the Total Visa credit card have rental car insurance? Reply 63
Peter Fox
@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.
6
Upvotes
Where can I make my Total Visa online payment? Reply 51
RODNEY BENNETT
@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. They accept debit and prepaid cards.
If you encounter any difficulties, give them a call at 888-547-6541.
5
Upvotes
What will my Total Visa credit card limit be? Reply 54
Tobias Martin
@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.
5
Upvotes
What's the normal Total Visa due date? Reply 42
Luciano Nava
@Luke_nava
Your Total Visa due date will be at least 21 days from the statement closing date. You can consult the specifics on your monthly statement or by calling (844) 548-9721.
4
Upvotes
Total VISA® Credit Card Reviews
Share your insights and review the Total VISA® Credit Card.
Apr 27, 2020
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
Comment
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
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
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
Mar 13, 2020
Even if you don't use your card, they bill you $6.25 a month. High interest rates. Not very good customer service. Avoid this card at all costs. You will get billed high interest and lots of fees. There are better cards out there.
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
Jan 06, 2020
This is the worst card ever. I make two payments a month and they still charge a late fee. The rep told me it’s only considered as lowering your balance not an extra payment. I’ve never heard of this with anything I’ve paid. Paying this off and done. DO NOT RECOMMEND THIS IS ONE OF THE WORST. Zero stars
02/07/20
I'm confused. If you have a minimum payment of let's say $60 and you make two payments of $20 during one month's statement cycle, then you did not meet the minimum payment by the due date and thus, you will be hit with a late fee. It's not the number of times you pay, it's the amount you pay.
Also, if you pay the minimum amount before the due date and pay another amount before the next statement date, that second payment does not count as a payment for the following month--you are just lowering your balance of the current statement cycle. Hope this helps!… show more
Also, if you pay the minimum amount before the due date and pay another amount before the next statement date, that second payment does not count as a payment for the following month--you are just lowering your balance of the current statement cycle. Hope this helps!… show more
Dec 24, 2019
Verified Customer
I love Total Visa it is the perfect card to help you build or fix your credit all you have to do is pay your bills on time! People that give bad reviews don’t know how to play adult cause they’re all out front with EVERYTHING
Dec 09, 2019
Verified Customer
charged me $39.00 late fee because their stupid website was inoperable.cut card up into tiny pieces. done!guess what?2 weeks later its still inoperable.hasnt anyone else reported this scam? i cant be the only one.
Dec 04, 2019
Verified Customer
Apparently they don't serve NY residents. Fantastic. So what do I get out of this? A new inquiry onto my credit report and nothing more. There goes my progress...if you DON'T live in Missouri, which is where this card apparently comes from based on the company name "Bank of Missouri", DO NOT APPLY FOR THIS CARD!!!
Dec 03, 2019
Verified Customer
I have been inpatient in the hospital and they wont wave the late fee because they already waved 2. I have documentation supporting so they just want more money. Im reporting to the consumer credit dept. Its beyond my control but do pay every month.
02/07/20
Some companies will waive a late fee once per year as a goodwill gesture. THREE late payments indicates a history of paying late. I'm so sorry you were laid up in hospital but they are under no obligation to waive fees. It appears that since they have done so in the past, three's their limit.
Nov 05, 2019
By the look of the reviews. I normally don't go by everyone reviews because everybody has different experience and some folks just be complaining because they don't want to pay etc. I have not seen 1 review that makes me feel great to pay this $89. I will be cancelling.
Sep 30, 2019
Lie, It denied me so it does not approve everyone with bad credit. It is very misleading and now I have this on my credit report going against it. Very unhappy! I just got approved by capital one instead and you do not have to have an annual fee or have to pay anything up front and my 1st payment isnt due until the end of October.
Sep 25, 2019
Stay away! $89 start up fee plus $75 dollar annual fee just for a $300 dollar limit! Hahahahahaha NEVER! You are better off getting a secured mastercard through Capital One! You pay $200 to start but that whole $200 is yours and eventually becomes refundable if you dont use it! This card is a waste of time and a joke and is just out to take advantage of desperate people with bad credit trying to rebuild credit! Such a shame!… show more
Sep 03, 2019
Horrible customer service, promise one thing and then say that it’s not possible. Their is no app making you use your browser every time, does not always accept payments on first try even with all correct information. AVOID AT ALL COSTS
02/15/20
I haven’t had any problems making my payments online. And the cost service was ok. You can always pay over the phone tol
Aug 23, 2019
Your payments thane up 21 days to be process at Total. Even though they take the money out of your bank the same day. Rip off!!!! I will pay them off and never bam again with them! That is absolutely ridiculous! They just hold your money while they make money off your money in the form of interest.
03/08/20
Only ACH payments have up to a 14 day hold. If you listened to the activation prompts it would’ve told you if you make a payment by a checking or savings account it has a 14 day hold.
02/15/20
Use your debit card. It comes out in 24 hours. I’ve never seen this. Stop giving misinformation
Aug 18, 2019
I got an alert on my credit report. This stupid company submitted to Transunion saying i went chapter 7 Bankruptcy. And i didn't. Im in the middle of buying a home with excellent credit and they screw me over with a false credit mark. If this screws my home buying up. Im suing them in the hardest way!
May 29, 2019
If you absolutely have no other options. Personally have had no issues with payments, or using the card. Just expensive, now no cli for a year and you have to pay for one. Gave the option accept these terms or your account will be closed. It will help you rebuild.
May 16, 2019
I would not get this card. If you would like to rebuild you credit. Here is a way to go. I had bad credit still have. I applied for a 200.00 dollar secured Discovery IT card. I used every month my fico score was 610. I also paid it of every month. After 7 month I got my security deposit back and my credit line got increased to whopping 2000.00. I have no annual fee so far have not paid any interest yet. I also got now two capital one CC with no annual fee. My score right now is 595. That is because i Replace the bad ones with good ones. With other word I get rid of the bad apples........… show more
May 10, 2019
Do not recommend at all. I'm sorry I ever got this card. As soon as I finish paying it off I'm closing it. You can not makeva payment as you want. 1 every 14 days. I must gave missed it in the fine print somewhere they mentiined it and made a second payment. They rejected that second payment then charged me a $27 fee for reversing it which flat out refused to reverse. I had 2 unauthorized transactuins on my card very little amounts $1 and one for 36 cents both they said I needed a police report to get a credit for. It would cost me more in gas to drive there. Customer service has inconvient hours and you email them and they tell you cant go over any account details via email. They have long hold times. The website doesn't work a lot of time. This is a horrible company.… show more
03/08/20
The 1 payment every 14 days is for Checking or saving account payments. Debit cards are only 5 days. So you have other options of payment methods.
02/22/20
So you didn't read the TOS (terms of service) and you fault them for following their own TOS? You won't file a police report because it's too far to drive and inconvenient? You don't mind that someone has access to your card? Customer service hours are inconvenient for you?
I don't mean to sound too critical but it's apparent you aren't interested in being a responsible credit card user. You are criticizing the credit card because too many things are inconvenient for you. You may not be at a point in your life where you can accept responsibility. That comes in time but seven years is a long time to wait for another opportunity to establish good credit, isn't it?… show more
I don't mean to sound too critical but it's apparent you aren't interested in being a responsible credit card user. You are criticizing the credit card because too many things are inconvenient for you. You may not be at a point in your life where you can accept responsibility. That comes in time but seven years is a long time to wait for another opportunity to establish good credit, isn't it?… show more
Apr 03, 2019
Fees are too high. Lender is sub-prime which looks terrible on your report. You’re better off seeking a secured card with your bank or credit union. Overall the customer service was okay, the automated phone system is a nightmare and the website leaves much to be desired.
Mar 01, 2019
I love this Card. No complaints here great for rebuilding credit I. pay the balance off in FULL every month.. I. Def. Recommend this card for a BOOST in your Credit score.❤????????????????????????????????????????
Jan 09, 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.… show more
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.… show 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.… show 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… show more
Become a Discover Cardmember and get a $50 Statement Credit with your 1st purchase within 3 months. https://refer.discover.com/s/ego65… show 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 11, 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.… show 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?… show 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.… show 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.… show 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.… show 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.… show 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.… show 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 .… show 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.… show 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.
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Last updated on: June 10th, 2020 at 04:21
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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 issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jun 10th, 2020 at 04:21 ET