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[/wpsm_inline_list]If you have a limited credit history or a fair, poor credit score, you may have some challenges when it comes to obtaining a credit card. If you’re in one of these situations, you may want to consider a Total VISA® Credit card. You can obtain this card with just about any credit score, and you can use it to rebuild your credit. The Total VISA® credit card is issued by The Bank of Missouri.
Total VISA® Credit Card Rates & Fees
| ANNUAL FEE | INTRO APR | APRS | BALANCE TRANSFER FEE | FOREIGN TRANSACTION FEE |
|---|---|---|---|---|
| $75 for the first year. After that, $48 annually | None | 34.99% |
How to Apply for Total VISA® Online
You can quickly apply for Total VISA® online.
- First, visit their website at www.totalcardvisa.com.
- Their application is on the home page. Scroll down and look for the heading “Start Your Application Below.”
https://totalcardvisa.com/
- Enter your first and last name. Provide and re-enter your email address. Enter your street address, your home phone number, and your mobile phone number.
- Select whether you have an active checking account and choose a card design. Click the red button saying “Continue Your Application” and follow the prompts to finish your Total credit card application.
https://totalcardvisa.com/
Total VISA® Customer Service
You can reach customer service by calling 1-844-548-97-21. You can also write them at Total Visa, P.O. Box 85710, Sioux Falls, SD, 57118-5710 or email them at [email protected]. If you email, do not include your account number.
back to menu ↑Total VISA® Credit Card FAQs
What is the APR for a Total VISA® credit card?
The APR for a Total VISA® credit card is 34.99 percent.
Is there an annual fee?
There is an annual fee of $75 for the first year and $48 each year after that.
Is there other annual fees?
You do need to pay a processing fee $89.00 (one-time fee) if you’re approved.
Is there a late fee?
If your payment is received after the due date, Total VISA® may charge you a late fee of up to $41.
Can I transfer a balance?
You can’t transfer a balance onto the Total VISA® credit card.
What will my initial credit line be?
Milestone bases your initial credit line on your income and credit history. The minimum initial credit limit is $300.
Are there any other fees?
Total VISA® charges a monthly maintenance fee of $6.25 per month after the first year. There is also an annual fee of $29 if you add an additional cardholder.
Can you get cash advances?
You can get a cash advance with the Total VISA® Credit Card. The APR for cash advances is 34.99 percent, and there is a cash advance fee of 3 percent or $10, whichever is greater.
This card helped me raise my score 173 points
How long have you had it?
I have this card as well. I have approved for it about a year and a half ago when my credit score was in the high 400s (which prevented me from even getting a secured card). It helped my score to a point, but now it is pretty much useless for me.
I spent the last six months working on my personal credit and was approved for my first credit card 2 weeks ago! I saved soooo much money by NOT buying all those supplies from then 4-5 Net 30 companies AND my personal credit score is up 23 points!!