PreapprovedTotal.com Reservation Number for Total Visa® Card Review

Compare and Apply for the Total Visa® Card here – CreditSoup Poor Credit Cards

You may have received a mail offer for the Preapprovedtotal.com Total Visa® Card. Which is a pre-approved offer issued by the Bank of Missouri. The Total Visa® Card is targeted to people who have poor/bad credit. This is a card that should only be applied for if you are in need of rebuilding or improving your credit score.

PreapprovedTotal.com Total Visa® Card Review

Below is a review of the PreapprovedTotal.com Total Visa® Card that goes over the card rates, fees and terms of the card.

• Interest rate (shown as Annual Percentage Rate) *See Terms this rate is charged for any balance that isn’t paid after the statement closing date + 21 days. You have 21 days from statement close to avoid paying interest.
• Program fee *See Terms (Paid up-front)
• Annual fee *See Terms (deducted from your initial credit limit)
• Monthly servicing fee (Waived first year, *See Terms per year)

In order to apply for the PreapprovedTotal.com Total Visa® Card you will need to come up with the *See Terms program fee before the card will be opened.

Learn more about Total Visa® Card and Compare to Other Poor Credit Card offers here – CreditSoup Poor Credit Cards

A review of the Total Visa card including features good and bad

The Total Visa card is a credit card that is designed for consumers with poor or limited credit. It is accepted at merchants worldwide that accept Visa cards.

Some pros and cons of the Total Visa card include:

1. Low credit limit: The Total Visa card has a low credit limit, which can help you manage your spending and avoid accumulating too much debt.
2. High APR: The Total Visa card has a high APR, which means that carrying a balance can be expensive. It is important to pay off your balance in full each month to avoid interest charges.
3. Annual fee: The Total Visa card has an annual fee, which can be a drawback for some consumers.
4. Reports to credit bureaus: The Total Visa card reports to the three major credit bureaus, which means that responsible use of the card can help you improve your credit score over time.
5. Online account management: You can manage your Total Visa card account online, which makes it easy to check your balance, make payments, and view your transactions.
6. No rewards program: The Total Visa card does not offer a rewards program, which means that you will not earn points or cash back on your purchases.

Overall, the Total Visa card can be a good option for consumers with poor or limited credit who want to improve their credit score. However, the high APR and annual fee may be a drawback for some consumers, so it’s important to compare the terms and fees of different credit cards before making a decision. Additionally, it is important to use the Total Visa card responsibly and pay your balance in full each month to avoid accumulating debt and incurring interest charges.

How to Activate your Preapproved Total Visa

Activating your Total Visa card is a quick and easy process that can be done online or by phone. Here are the steps on how to activate your card online:

1. Ensure that you have already paid the Program Fee and received your card.
2. Go to the Total Visa activation web page
3. Enter your date of birth and your application ID or email address.
4. Click “Submit” and fill in the form with the required information, including your card number, the last four digits of your Social Security number, and your phone number.
5. Click “Activate My Card”.

If you have trouble activating your card online, you can call Total Visa customer service at (877) 526-5799 for assistance.

Here are the steps on how to activate your card by phone:

1. Call Total Visa customer service at (877) 526-5799.
2. Have your card number and Social Security number ready.
3. The customer service representative will ask you to provide some additional information, including your date of birth and your mailing address.
4. Once you have provided all of the required information, the representative will activate your card.

Your Total Visa card is now activated and ready to use. You can use it to make purchases online, in stores, and at ATMs.

Is the Total Visa card recommended?

The Total Visa card is a credit card for people with poor credit. It has a high annual fee ($75) and a high interest rate (35.99% APR), but it is one of the few cards that will accept applicants with credit scores below 540. It reports to all three major credit bureaus, so it can help you build credit if you use it responsibly. However, the high fees make it a poor choice for most people.

Pros:

• Can be approved with poor credit
• Reports to all three major credit bureaus
• No security deposit required

Cons:

• High annual fee ($75)
• High interest rate (35.99% APR)
• Other fees, including a program fee, monthly servicing fee, and late payment fee
• Low credit limit

Overall, the Total Visa card is not recommended for most people. It is only a good option if you have very poor credit and you are committed to rebuilding your credit score. If you have fair or good credit, there are many other credit cards with lower fees and better rewards.

Here are some alternatives to the Total Visa card for people with poor credit:

• Capital One Quicksilver Cash Rewards for Good Credit: This card has a $0 annual fee and a 15.49% – 25.49% APR. It also offers cash back rewards on all purchases. Capital One Quicksilver Cash Rewards for Good Credit card
• Secured Credit Cards: Secured credit cards require a security deposit, which is equal to your credit limit. This makes them a good option for people with no credit or bad credit. Once you have made on-time payments for a certain period of time, you may be able to graduate to an unsecured credit card.

Is the Total Visa card a legit credit card offer?

Yes, the Total Visa card is a legitimate credit card issued by The Bank of Missouri, a member of the Federal Deposit Insurance Corporation (FDIC). It is also accredited by the Better Business Bureau (BBB) and has an A+ rating. The card is designed for people with poor credit who are trying to rebuild their credit history.

While the Total Visa card is a legitimate credit card, it is important to be aware of its high fees and limitations before applying for it. The card has a $75 annual fee, a high interest rate of 35.99% APR, and a number of other fees, including a program fee, monthly servicing fee, and late payment fee. Additionally, the card has a low credit limit of $300.