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Total Visa® Unsecured Credit Card

in Personal Credit Cards from The Bank of Missouri

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Total Visa® Unsecured Credit Card

Unaffiliated

in Personal Credit Cards from The Bank of Missouri

Net Recommendation Score -33% 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.

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1 user recommends
0 users are unsure
2 users don't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $75
Purchase APR  (Variable APR) 34.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640

Total Visa® Unsecured Credit Card Review

Total Visa® Unsecured Credit Card is a credit card issued by The Bank of Missouri. 

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a credit limit of up to 300.

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.

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.

Total Visa® Unsecured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

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

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?

Total Visa® Unsecured Credit Card does not offer an introductory rate on new purchases.
Total Visa® Unsecured Credit Card Rates & Terms
Purchase APR 34.99%
Cash Advance APR 34.99%

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 The Bank of Missouri website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

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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

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

Total Visa® Unsecured Credit Card Community Reviews

 
 

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Balance Transfer APR

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1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $75 Annual Fee
Purchase APR 34.99% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range