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  Total Visa® Unsecured Credit Card

Total Visa® Unsecured Credit Card

in Personal Credit Cards from The Bank of Missouri

Unaffiliated

Total Visa® Unsecured Credit Card

Unaffiliated

in Personal Credit Cards from The Bank of Missouri

SuperMoney Net Recommendation Score -20% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Mostly not recommended

2 users recommend
0 users are unsure
3 users don't recommend
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Highlights
Highlights
Community Rating Mostly not recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $75
Purchase APR  (Variable APR) 34.99%
Number of Reviews 5

Total Visa® Unsecured Credit Card Review

Total Visa® Unsecured Credit Card is a credit card issued by The Bank of Missouri. If you're wondering whether Total Visa® Unsecured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 34.99%
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Total Visa® Unsecured Credit Card Pros and Cons:

The Good The Bad
  • Considers applicants with fair or poor credit.
  • Total Visa® Unsecured Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $75
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Total Visa® Unsecured Credit Card cash back or rewards program?

No, Total Visa® Unsecured Credit Card does not offer a rewards program.

What are the relevant APRs for Total Visa® Unsecured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Total Visa® Unsecured Credit Card has higher than average purchase APRs.

Total Visa® Unsecured Credit Card has a variable purchase APR of 34.99%. It also has a variable cash advance APR of 34.99% .

Does Total Visa® Unsecured Credit Card have an introductory APR offer on balance transfers?

No, Total Visa® Unsecured Credit Card does not come with an introductory APR offer for balance transfers.

Does Total Visa® Unsecured Credit Card have an introductory APR offer on new purchases??

Total Visa® Unsecured Credit Card does not offer an introductory rate on new purchases.
Total Visa® Unsecured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Total Visa® Unsecured Credit Card fees?

The following fees apply to Total Visa® Unsecured Credit Card:

Total Visa® Unsecured Credit Card Fees
Fees Amount
Annual Fee $75 (Annual fees vary by year)
Initial Program Fee $89
Returned Payment Fee $39
Late Payment Fee $39

Does Total Visa® Unsecured Credit Card report your account activity to credit bureaus?

Total Visa® Unsecured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Total Visa® Unsecured Credit Card

  • Visit the Total Visa® Unsecured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

TOTAL VISA® UNSECURED CREDIT CARD Disclosure: $89.00 one-time Program Fee to open your account. Annual fee is $75.00 for first year. After that, $48.00 annually. The Annual Fee will be assessed before you begin using your card and will reduce the amount of credit you initially have available. Based on your initial credit limit of $300.00, your initial available credit will only be $225.00 (only $196.00 if you choose to have an additional card). You may still reject the plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you reject the plan, you are not responsible for any fees or charges. No cash advance fee for first year (introductory). After that, either $5.00 or 5% of the amount of each cash advance, whichever is greater.
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Contact

  • Headquarters
  •   The Bank of Missouri
    PO Box 85710
    Sioux Falls, SD 57118
  •   Visit Site

Message from The Bank of Missouri

The TOTAL Visa is a perfect tool for people who have faced financial challenges and struggled to get credit in the past. Complete our short application now and get a response from us online in seconds.

About Total Visa® Unsecured Credit Card

Icon for Personal Credit Cards
View all personal credit cards offered by The Bank of Missouri

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Initial Program Fee $89
No Interest Grace Period for Late Payment 21 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Annual Fee $75
Minimum Interest Charge $0.50
Returned Payment Fee $39
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 300 - 640
Card Type Bad Credit
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 34.99%
Balance Computation Average Daily Balance (including new purchases)
Credit Limit $300
Purchase APR (Variable APR) 34.99%

Total Visa® Unsecured Credit Card Community Reviews

 

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