How to apply to Total Card Visa Credit Card

Meet the Total Card Visa Credit Card, your tailored financial companion for every need. Specifically crafted for individuals with limited or poor credit, this unsecured credit card stands out for its quick approval process, eliminating the need for a refundable security deposit.

Experience the convenience of global acceptance, making transactions seamless at millions of locations.

What sets Total Visa apart is its proactive role in your financial story—it reports to three major credit bureaus, making it a powerful tool for building or rebuilding your credit responsibly. More than just a card, it’s your key to financial empowerment and possibilities.

The Key Benefits of Card

Initiate a fresh credit chapter with Total Card Visa Credit Card and enjoy the following benefits:

• Swift Decisions: receive credit decisions within minutes, providing instant access to financial opportunities.
• Effortless Mobile Management: navigate your credit journey seamlessly with a streamlined mobile app, ensuring convenient and efficient account control.
• Credit Reporting Impact: benefit from credit reporting to three major bureaus, actively contributing to enhancing your credit profile.
• Building Credit: utilize the card to build or rebuild your credit, fostering a positive credit history over time.
• Exceptional Customer Service: enjoy premium customer support, providing dependable assistance and guidance throughout your credit journey.
• Secure Online Transactions: make online payments confidently with our user-friendly and secure platform, emphasizing your financial safety.

Prerequisites

To apply for the Total Card Visa Credit Card, ensure you meet these prerequisites:

• Credit Profile: tailored for fair to poor credit, ideal for limited credit history or lower credit scores.
• Identification: have essential details ready—name, address, date of birth, and Social Security Number.
• Income Verification: Be prepared to share income information for credit eligibility assessment.
• Permanent Residency: an applicant must be a US resident to quality as legal
• Requirement for age: an applicant must under 18 years to meet eligibility criteria.

By confirming these prerequisites, applicants can confidently initiate the Total Visa Card application process and take a significant step towards building or rebuilding their credit.

Who is this Total Visa Card for?

The Total Visa Card caters to individuals facing credit challenges, especially those with fair or poor credit. An optimal selection for those looking to construct or reconstruct their credit responsibly, the Total Visa Card is an accessible avenue for establishing a positive credit path.

It is an apt solution for students, young professionals starting their credit journey, or individuals seeking a fresh start to enhance their financial standing. With global acceptance, it offers the convenience of a widely recognized credit card while providing an opportunity to improve creditworthiness over time.

Step By Step To Apply For The Total Card Visa Credit Card

Embark on the Total Visa Card application journey with ease by following these comprehensive steps:

1. Initiate Your Application: Start by providing the necessary information to kick-start your Total Visa Card experience.
2. Proceed with Your Application: Effortlessly advance through the application, providing the necessary details for a seamless transition to the next stage.

Review Terms & Conditions: Take a moment to meticulously examine the Terms & Conditions, grasping the intricacies of your Total Visa Card agreement for a well-informed decision.

• Approval & Program Fee Payment:  Upon acceptance, proceed to the final step by completing the required program fee payment, officially securing your Total Visa Card and unlocking its benefits.

TAP HERE TO APPLY TO TOTAL CARD VISA CREDIT CARD

TAP HERE TO DOWNLOAD THE TOTAL CARD APP ON ANDROID

Positives and Negatives of the Card

Before applying for this card have a look on these positives and negatives of this card:

Positives:

1. You will get 1% cash back on all of your purchases also introducing an incentive to your all spending.
2. It also eradicates the significance of security deposit while enhancing the availability for those having limited funds.
3. Experience waived cash advance fees in the first year, offering flexibility in your financial transactions.

Negatives:

1. Noteworthy fees associated with the card impact the overall cost of usage.
2. Lacks substantial benefits beyond the basics, limiting additional perks for cardholders.
3. Comes with a relatively low credit limit, which may restrict spending for those needing higher limits.

How to unlock the Total Card Visa Credit Card

Unlocking your Total Visa Card is a breeze—follow these step-by-step instructions:

1. Card Arrival: upon receiving your Total Visa Card, ensure the package is sealed and undamaged.
2. Activation Process: dial the activation number on the card carrier or visit the designated activation website. Complete the identity verification steps and activate your card.
3. Online Account Setup: head to the Total Visa Card website or use the mobile app. Provide the necessary details to create your online account, including card information and personal details.

Following these straightforward steps will quickly and effectively unlock your Total Visa Card, ready to enjoy its perks.

Fees and tariffs

Total Card Visa Credit Card fees details are mentioned below:

1. Credit Score: tailored for individuals with Fair/Bad Credit.
2. APR: the annual percentage rate stands at 35.99%*.
3. Annual Fees: $75.00 for the initial year, followed by a yearly fee of $48.00* after that.
4. No minimum deposit is required for card activation.

Find more details from here regarding fees and taxes that are applicable

About the bank/financial institution

The issuance of the Total Visa Card is overseen by The Bank of Missouri, operating under the license granted by Visa U.S.A. Inc. In adherence to the USA PATRIOT Act, a federal law, we must gather and authenticate information to identify every individual opening a Card Account.

When you initiate a Card Account, we will seek essential details such as your name, address, date of birth, and other relevant information to identify you reasonably. Additionally, we may request your driver’s license or other identification documents as necessary to ensure compliance.

TAP HERE TO DOWNLOAD THE TOTAL CARD APP ON IOS

Customer Service

For any assistance related to the Total Card Visa Credit Card, utilize the following official channels:

• Customer Service Hotline: contact the customer service hotline at 1-800-556-5678 for prompt assistance and support.
• Official Website: access account management, FAQs, and additional information on the official Total Visa Card website
• Secure Messaging: use the certain messaging feature on the website for specific account-related queries.
• Mailing Address: send written correspondence to Total Visa P.O. Box 85710 Sioux Falls, SD 57118-5710

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