Total VISA® Credit Card

To pay your Total Visa credit card, please call customer service at (888) 257-1159. When you call this number, you can also check your account balance and make other general customer service inquiries. Hope this helps.

Nah, you can't go over your credit limit.

You can request a higher credit limit once your account has been open for at least six months, and every six months thereafter. But they won’t increase your credit limit proactively. You have to call and ask. With that in mind, you can reach Mid America Bank & Trust Company at 1-800-720-7178.

If your account has been open for at least 90 days, you may use your card to obtain a cash advance at an ATM. You can request a PIN by calling customer service at (888) 257-1159. Please keep in mind that cash advances are rather expensive; you should therefore try to avoid them as much as possible. You can learn more about cash advances here.

Credit card providers usually report updated account information once a month. And they generally do so around the time a customer’s monthly statement is generated. So it all depends on when you pay in relation to when your particular credit card company reports. Even if your credit report does not reflect the payment right away, it should be there within 30 days.

There’s no way to check for Total Rewards Visa pre-approval. But you could receive a pre-approved offer in the mail if Comenity Bank – the card’s issuer – determines you’re very likely to be approved for an account if you apply. That’s not something you can request or directly control, though. All you can do is make sure you haven’t opted-out from receiving pre-approved offers in the mail, pay your bills on time every month and generally manage your finances responsibly.

If you get a pre-approved Total Rewards Visa offer in the mail and want to apply for an account, you can go to the acceptance page on the Total Rewards site, enter the ID number from your offer, and click “Start Acceptance.” You’ll submit an application electronically and find out immediately if you were accepted. If you were, which will be the case for about 90% of approved applicants, you’ll get your card in the mail in 7-10 business days.

But just because you can’t initiate a Total Rewards Visa pre-approval check on your own doesn’t mean you’re out of luck.

Here’s what you should know about Total Rewards Visa (pre) approval:

• To be eligible for the Total Rewards Visa Credit Card, you must be a member of Total Rewards, a loyalty program that includes several different resorts and casinos. You can join online, and membership is free. If you are not of legal age to gamble, or have been barred from any of the casinos in the Total Rewards program, you are not eligible for a card.
• The outcome of your Total Rewards Visa application will depend on your income, debt, expenses and credit history. You need at least good credit to qualify. That means a credit score of 700+. You can check your latest credit score for free on WalletHub.
• You can improve your credit score by paying all your bills on time every month, using less of your available credit on any other credit cards you may have, and paying down any balances you’re carrying from month to month. WalletHub will also give you a personalized credit analysis to show you exactly what to improve.

So, while there’s no way to actively check for Total Rewards Visa pre-approval, there are several things you can do to give yourself the best possible chance of success when you apply for the card.

They report to the big three, Transunion, Equifax and Experian, like pretty much any lender nowadays.