by Getting a credit card can be a big step in your financial life. The Total Visa Credit Card offers a chance for many people to get a card, even if they’ve had credit troubles before. This article will tell you all about the Total Visa card and how to apply for it online.
The Total Visa card is special because it’s easier to get than some other cards. You don’t need perfect credit to apply. This makes it a good choice for people who are just starting to build their credit or those who want to improve their credit score.
Applying online is quick and easy. You can do it from home in just a few minutes. This article will walk you through the whole process, from checking if you’re pre-approved to managing your new card.
www PreApprovedTotal com – Apply for Total Visa Credit Card Online
We’ll use simple words and short sentences to make everything clear. Whether you know a lot about credit cards or this is your first one, you’ll find helpful info here.
Let’s dive in and learn all about the Total Visa Credit Card!
What is Preapproved Total?
Understanding Pre-approval
When you hear “Preapproved Total,” it means you might already be on the way to getting a Total Visa Credit Card. But what does pre-approval mean?
- Pre-approval is when a credit card company looks at some basic info about you
- They decide if you might be a good fit for their card
- If you are, they send you an invite to apply
Getting pre-approved doesn’t mean you’ll get the card. But it does mean you have a good chance.
Benefits of Being Pre-approved
Being pre-approved for the Total Visa card has some perks:
- You know you have a good shot at getting the card
- The company already thinks you might qualify
- You can feel more confident when you apply
- It can save you time in the application process
How to Check if You’re Pre-approved?
Wondering if you’re pre-approved for a Total Visa card? Here’s how to find out:
- Check your mail. Total Visa might send you a pre-approval letter.
- Look for a reservation number in the letter. You’ll need this to apply.
- If you didn’t get a letter, you can still apply online. But you won’t be using the pre-approval process.
Remember, even without pre-approval, you can still apply for the card. Pre-approval just gives you a head start.
The Total Visa Credit Card Application Process
Step-by-Step Guide to Online Application
Applying for a Total Visa Credit Card online is easy. Here’s how to do it:
- Go to the website: Visit www.preapprovedtotal.com
- Enter your info: If you got a pre-approval letter, enter your reservation number. If not, click on the link to apply without a reservation number.
- Fill out the form: You’ll need to provide:
- Your full name
- Address
- Phone number
- Email address
- Social Security number
- Income information
- Review your info: Make sure everything is correct before you submit.
- Submit your application: Click the button to send in your application.
- Wait for a response: You might get an answer right away, or it might take a few days.
Required Information for Application
When you apply, make sure you have these things ready:
- Your Social Security number
- Your annual income
- Your monthly housing payment (rent or mortgage)
- A valid email address
- A phone number where they can reach you
Having all this info ready will make the process go faster.
Estimated Time for Completion
Good news! Applying for a Total Visa card doesn’t take long. Most people can finish the online form in about 5-10 minutes. Of course, this can vary based on how fast you type and if you have all your info ready.
Key Features of the Total Visa Credit Card
Credit Limit Details
The Total Visa card comes with a starting credit limit. Here’s what you need to know:
- Initial credit limit: $300
- This limit might seem low, but it’s a start
- As you use the card responsibly, you might get higher limits later
Annual Percentage Rate (APR)
The APR is the interest rate you’ll pay if you carry a balance. For the Total Visa card:
- The APR is 29.99%
- This rate is fixed, meaning it doesn’t change
- It’s higher than some other cards, so try to pay your balance in full each month
Fees Associated with the Card
The Total Visa card does come with some fees. Here’s a breakdown:
- Annual Fee:
- First year: $75
- After first year: $48
- Monthly Servicing Fee:
- First year: $0 per month
- After first year: $6.25 per month
- One-time Program Fee:
- $89 (charged when you open your account)
- Additional Card Fee:
- $29 annually (if you want an extra card for someone else)
- Late Payment Fee:
- Up to $40
- Returned Payment Fee:
- Up to $40
Remember, these fees can add up. It’s important to think about them when deciding if this card is right for you.
Eligibility Criteria for Total Visa Credit Card
Credit Score Requirements
The Total Visa card is designed for people with less-than-perfect credit. Here’s what you should know:
- You don’t need excellent credit to apply
- The card is open to people with fair or poor credit
- There’s no specific minimum credit score required
- Even if you’ve been turned down for other cards, you might qualify for this one
Income Requirements
To get a Total Visa card, you need to have some income. Here’s the deal:
- You must have a regular source of income
- This can be from a job, benefits, or other steady sources
- There’s no set minimum income amount
- But you need enough to pay your bills and potential card payments
Other Qualifying Factors
Besides credit score and income, Total Visa looks at other things:
- You must be at least 18 years old
- You need a valid Social Security number
- You should have a U.S. mailing address
- You can’t have an existing Total Visa card
- Your ability to pay (based on your income and expenses)
Remember, meeting these criteria doesn’t guarantee approval, but it improves your chances.
Pros and Cons of the Total Visa Credit Card
Advantages of Choosing This Card
The Total Visa card has some good points:
- Easy to get: It’s designed for people with less-than-perfect credit.
- Helps build credit: Regular use and on-time payments can improve your credit score.
- Widely accepted: You can use it anywhere a Visa is taken.
- Online account access: You can manage your account 24/7 on the web.
- Reports to credit bureaus: Your good payment history gets reported, which can help your credit.
Potential Drawbacks to Consider
But there are also some downsides to think about:
- High fees: The card comes with several fees that can add up.
- High APR: The interest rate is higher than many other cards.
- Low initial credit limit: The $300 limit might not be enough for some people.
- No rewards program: Unlike some cards, you don’t earn points or cash back.
- Limited growth: It might be hard to get a much higher credit limit over time.
Managing Your Total Visa Credit Card Account
Online Account Management Features
The Total Visa card comes with online tools to help you manage your account:
- Check your balance: See how much you’ve spent and how much credit you have left.
- View transactions: Look at a list of all your purchases and payments.
- Set up alerts: Get emails or texts about your account activity.
- Update personal info: Change your address or phone number online.
- Download statements: Get your monthly statements in PDF form.
Making Payments
Paying your Total Visa bill is easy. You have several options:
- Online payments: Log in to your account and pay from your bank account.
- Phone payments: Call the customer service number to pay over the phone.
- Mail payments: Send a check or money order to the address on your statement.
- Automatic payments: Set up recurring payments to avoid late fees.
Remember, payments are due 21 days after your billing cycle ends each month.
Checking Account Balance
Knowing your balance is important. Here’s how to check it:
- Log in to your online account
- Call the customer service number
- Check your most recent statement
- Use the Total Visa mobile app (if available)
Checking your balance often helps you avoid overspending and late fees.
Security Measures and Restrictions
Usage Limitations
The Total Visa card has some rules about where you can use it:
- No fuel pumps: You can’t use the card at automatic gas pumps. But you can use it inside the gas station.
- No gambling: The card won’t work for gambling transactions.
- U.S. only: You can’t use this card outside the United States.
These rules are meant to protect you and the card company from fraud.
Fraud Protection Features
Total Visa offers some ways to keep your account safe:
- Fraud monitoring: They watch for unusual activity on your account.
- Zero liability: You’re not responsible for unauthorized charges if you report them promptly.
- Secure online access: Your online account is protected with encryption.
If you see any charges you didn’t make, call customer service right away.
International Usage Policies
As mentioned before, the Total Visa card is for use in the U.S. only. This means:
- You can’t use it when traveling abroad
- It won’t work for online purchases from foreign companies
- International transactions will be declined
If you need a card for international use, you might want to look at other options.
Customer Support and Contact Information
Customer Service Contact Details
If you need help with your Total Visa card, here’s how to get in touch:
- Phone: Call 1-888-267-7942
- Hours: Customer service is available 24/7
When you call, have your card or account number ready. This helps them find your info faster.
Mailing Address for Correspondence
If you need to send something by mail, use this address:
- Total Visa P.O. Box 89940 Sioux Falls, SD 57109
This is good for sending payments or any written questions or concerns.
Online Support Options
Total Visa also offers online help:
- FAQ section: Find answers to common questions on their website.
- Secure messaging: Log in to your account to send a secure message to customer service.
- Email: There might be an email option for non-urgent questions. Check the website for details.
Remember, for the fastest service, calling is usually best. But online options are good for simple questions or when you can’t call.
Frequently Asked Questions
Here are some common questions about the Total Visa Credit Card:
- Q: How long does it take to get approved?
A: Many people make an instant decision online. If not, it usually takes 7-10 business days to hear back.
- Q: Can I get cash advances with this card?
A: Yes, but there are fees and the interest rate for cash advances is high. It’s best to avoid them if you can.
- Q: How do I activate my card when it arrives?
A: Call the number on the sticker on your new card. You’ll need to provide some info to verify your identity.
- Q: Can I add an authorized user to my account?
A: Yes, but there’s a $29 annual fee for each additional card.
Q: What happens if I miss a payment?
A: You’ll be charged a late fee of up to $40. Your APR might also go up, and it could hurt your credit score.
- Q: How can I increase my credit limit?
A: Use your card responsibly and pay on time. Total Visa may review your account periodically for increases.
Q: Is there a grace period on purchases?
A: Yes, you have 21 days from the end of each billing cycle to pay your balance in full to avoid interest charges.
- Q: Can I use my Total Visa card for recurring bills?
A: Yes, you can set up automatic payments for things like streaming services or utilities.
- Q: What should I do if my card is lost or stolen?
A: Call customer service immediately at 1-888-267-7942 to report it. They’ll cancel your card and send you a new one.
- Q: Can I get my security deposit back if I close my account?
A: The Total Visa is not a secured card, so there’s no security deposit to refund.
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Conclusion:
The Total Visa Credit Card offers a path to credit for many who might struggle to get approved elsewhere. It’s a tool that, when used wisely, can help build or rebuild your credit history.
However, it’s important to weigh the high fees and APR against the benefits.
Here are the key takeaways:
- It’s designed for people with fair to poor credit
- The application process is quick and can be done online
- There are significant fees to consider
- The card has usage restrictions (no international use, fuel pumps, or gambling)
- Responsible use can help improve your credit score
Before applying, think about your financial goals and whether this card aligns with them. If you decide to apply, remember to use the card responsibly:
- Pay your bill on time, every time
- Try to pay more than the minimum, ideally the full balance
- Keep your balance low compared to your credit limit
- Monitor your account regularly
The Total Visa card can be a stepping stone to better credit and financial health. But it requires careful management and a good understanding of its terms. If you’re ready to take on the responsibility, it could be a useful tool in your financial toolkit.
Remember, there are many credit card options out there. If the Total Visa doesn’t seem right for you, keep looking. The right card is out there, matching your needs and financial situation.
Whatever you choose, the path to better credit starts with informed decisions and responsible habits.
