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TOTAL Visa® Credit Card

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Nov 24, 2020
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Issued by The Bank of Missouri, the Total Visa Card is designed for those with bad or no credit history who might have problems obtaining standard credit card.

ANNUAL FEE:

See Terms*

ONGOING APR:

See Terms *

INTRO APR:

N/A

72 User Ratings TOTAL Visa® Credit Card

at Total Credit Secured website

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Introductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Bad Credit OK*

Key Features


  • 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 Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Checking Account Required
$ 1 2020-11-30 InStock

Our Take


Total Visa offers a credit card for people with 'less than perfect' credit. Cardmembers do not avail of the reward program and introductory ARP period. An annual fee is charged. New cardmembers incur account set up fee. Purchase APR is slightly high while cash advances APR is moderate. Members are not allowed to conduct balance transfers. The card has Cash advances fee, too. Few card benefits exist including online account ...

Total Visa offers a credit card for people with "less than perfect" credit. Cardmembers do not avail of the reward program and introductory ARP period. An annual fee is charged. New cardmembers incur account set up fee.

Purchase APR is slightly high while cash advances APR is moderate. Members are not allowed to conduct balance transfers. The card has Cash advances fee, too.

Few card benefits exist including online account management and zero fraud liability. Those consumers who plan to stick to their budget will be able to effectively monitor the card account at any time round the clock. Zero fraud liability is applied to transactions that are not authorized by the cardmember.


Pros

  • Instant online decision
  • Bad credit accepted
  • Reporting to Major Credit Bureaus

Cons

  • Slightly high APR
  • Program Fee

Basic Information

Issuer: Bank of Missouri
Network: VISA®
Category: Consumer (Regular)
Common Uses:
  • Cards for Bad Credit
  • Starter Credit Cards
  • Unsecured Cards
  • Building Credit
  • Pre-Qualification
Rewards: No
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: See Terms
Regular APR Type: N/A
Annual Fee: See Terms*
Balance Transfer: No*
APR on Cash Advances: See Terms*
Grace Period: See Terms*
Late Payment Fee: See Terms*
 

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IMPORTANT
*The information provided for TOTAL Visa® Credit Card is believed to be accurate at the time of evaluation or recent update on November 24, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Min. Credit Required: Bad Credit OK*