- 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
- If approved, simply pay a Program Fee to open your account and access your available credit
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
Reviewing The Total Visa Credit Card
So many credit cards are marketed with attractive rewards such as cash back, points or miles. But those cards are for people with good or excellent credit. A tremendous number of consumers have low credit scores and may not qualify for a majority of credit cards. The Total Visa Credit Card is a card that exists for people with less than average credit. The card is issued by the Bank of Missouri.
Main Benefits Of The Total Visa Credit Card
The Total Visa Credit Card is a card that could help build your credit with responsible use. Consumers that have a poor credit score or a limited credit history may be approved for this card.
The card reports to all three major credit bureaus so you may be able to improve your credit score by making timely payments each month.
One of the advantages of the card is the easy application process. In addition, applicants receive word of their acceptance or denial in a matter of seconds. It is also an unsecured credit card, so it doesn’t require a security deposit upon approval.
The card has no cash advance fee during the first year; after that, there are fees for any cash advance.
The Total Visa Credit Card is backed by Visa, so it is accepted throughout the country by most merchants, which makes using the card very convenient.
Consumers can choose from six different images on their card.
Main Drawbacks Of The Total Visa Credit Card
This card has a number of fees associated with it, many of which are significant.
If you are approved as a cardholder, you must pay a high program fee. This is a one-time charge. Then, there is an annual fee for the first year which is assessed before you use your card, so it reduces your initial $300 credit line.
In year two, the annual fee drops, but is effectively replaced by a monthly maintenance fee.
The APR on the card is one of the highest in the credit card industry.
Who The Total Visa Credit Card Is Right For
Consumers who are struggling with their credit need assistance in building a credit score. Having a credit card that reports to the three major credit bureaus can help, but only if you make every one of your monthly payments on time. The Total Visa Credit Card can help consumers with this quest, but cardholders must be aware of the high fees associated with the card.