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Total Visa® Unsecured Credit Card

in Personal Credit Cards from The Bank of Missouri

Unaffiliated Visit Site

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
Annual Fee $75
Purchase APR  (Variable APR) 34.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
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. 

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

This card has a minimum credit limit of 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.
Pros & Cons of Total Visa® Unsecured Credit Card
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.

    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?

    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?

    Total Visa® Unsecured Credit Card does not offer an introductory rate on new purchases.
    Total Visa® Unsecured Credit Card Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Total Visa® Unsecured Credit Card Rates & Terms
    Description
    Balance Computation Average Daily Balance (including new purchases)
    Purchase APR 34.99%
    Credit Limit 300
    Penalty APR N/A
    Cash Advance APR 34.99%
    Security Deposit N/A
    Introductory Rate N/A
    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.
    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

    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
    Paper Statement Fee $0
    Annual Fee $75
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $5
    Late Fee Amount $39
    Minimum Interest Charge $0.50
    Returned Payment Fee $39
    Checking Account Required  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Cash Advance APR (Variable APR) 34.99%
    Purchase 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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