Updated on May 8, 2022
Preapprovedtotal gives you access to Total Visa credit card that is a perfect choice for anyone who either has an average score or is currently struggling with poor FICO score.
Luckily, you don’t need to wait for pre-approved mail offer to apply for the card. You can simply fill out an easy and quick application online to get the job done.
What makes Total Visa credit card special? Let us show you why you should definitely consider this card if your aim is to <strong>boost your credit score fast.
Total Visa Credit Card
- No initial deposit
- Very fast application
- Supports poor credit score/li>
300 – 850
Check in Detail
Required Score: Average
Annual Fee: $75
Purchase APR: 34.99%
The first that you need to consider when responding to Preapprovedtotal is whether or not you are ready to deal with expenses that come with the card.
Is Total Visa Credit Card Expensive?
Once you are approved for the credit card, the bank will ask you to deposit a fee of $89 to open your account. Initial setup fee is not common to all credit cards. There are many issuers who do not charge this fee at all.
On top of that, cardholders also have to pay $75 after the first year of using the card. The annual fee then jumps to $123 after 2 years. This fee is considerably higher when compared with other competitive cards in the market.
You have to pay an additional fee of $29 when choosing another authorized user. Such a user can not earn you extra rewards or help you score any more benefits therefore we recommend customers to not add anyone unless it is truly required.
Note! Total Visa credit card has $3 fee if you want to pull out a duplicate of your account statement.
What About Interest Charges?
Unfortunately, Total Visa card does not go easy in terms of APR as well. It has an interest rate that starts at 34.99%. This mean you could end up with a lot of debt if you fail to make timely payments every month.
Lastly, this card allows a restricted credit limit of $225 for customers with poor credit score. This maybe increased depending on your creditworthiness but if we compare the minimum credit line, it is much less as compared to other unsecured credit cards for people with average scores.
There are not many good credit cards present for customers who have less than average score. Total Visa credit card aims to change that picture by offering approval even with a fair credit score. In fact, applicants with poor score have been accepted as well considering their creditworthiness and history.
It Allows For Credit Rebuilding
This card gives you access to a credit card that can help you improve your credit score fast. Total reports to all three major credit bureaus. Therefore, if you maintain good spending habits, you would soon be able to boost the look of your credit report.
Quick Application Process
$0 Fraud Liability
The card has you covered in case you lose it or it is stolen. Total would not charge you for any unauthorized transactions. You should immediately report the bank if any such event takes place.
It is an Expensive Choice
Total Visa card is meant for users who wish to improve their credit score before they can apply for high-end, rewards credit cards. However, in order to do so, you have to be on your best behavior since the card carries a high interest rate and penalty fees as well.
It Has a High Annual Fee
Most unsecured credit cards have annual fees but in case of Total credit card it is set at $75 which is considerably higher than other options. The annual fee is deducted from your credit limit. Since the card also allows for low credit line only, it means you will be left with a very small amount to spend during the month.
How To Respond to Mail Offer
Customers can now apply for a job at Total more easily than ever before by sending in a pre-approved mail offer. Even if you don’t get approved for a credit card, taking advantage of freebies can speed up the application process.
On the back of your postal letter, you will find the reservation code for a Total Visa credit card. To expedite the application process, enter this number at www.preapprovedtotal.com.
You should receive a response from the bank within seven to ten business days after submitting your application.
Steps To Take In Case Your Mail Offer Is Missing
The time it takes to apply for the Chase credit or debit card is greatly reduced if you receive a pre-approved mail offer. Even if you didn’t get the offer, it’s not the end of the world!
To proceed with the application for a credit card if you haven’t gotten the postal offer, there are a number of options. Apply for the card by submitting your personal details on their official website.
Is It Safe For You?
Furthermore, their contact service is readily available and you can always get in touch with their team to discuss your queries.
How To Get In Touch
By phone at (877) 526 – 5799 or by email at [email protected], you can contact their customer care team.
Please refer the attached postal address if you have a written question:
P.O Box 84930, Sioux Falls, SD 57118-4930.
It’s possible that those with less than stellar records can nonetheless benefit from this credit card. Many of the company’s clients find the application and approval process to be a major selling point.
Ten business days after you’ve submitted your application, you may expect to get both your card and any additional credentials you may have requested.
Consider the high interest rates and annual fee before signing up for a credit card.. The more you pay on your Total Visa card, the better your credit score will be! Congratulations, and have a wonderful time! –
Frequently Asked Questions
Is Preapprovedtotal legit?
Total credit card and are completely reliable services that you can trust with your eyes closed. The bank has provided cards to millions of users around the US and it is currently one of the best known credit card issuers.
Is it possible to increase credit limit with Total Visa credit card?
You need to keep the account open and active for at least a year before you are eligible for a credit line increase. Moreover, the bank also charges 20% of the credit limit as a fee when the line is increased. This means $20 behind every $100 increase.
When will my Total credit card reach me?
First you need to wait for the approval mail. Once you have been accepted as a cardholder, the bank will ask you to pay the program fee. After that the credit card will reach you within a week or in 10 days.
Can I get approved for Total card easily?
Yes. This credit card has been ranked as one of the easiest cards to get approved for when applying with an average credit score. It also offers quick application process and instant response to make your experience even better.
Which bank issues Total credit card?
The card is offered by the Bank of Missouri that reports to all three major credit bureaus. Therefore, it is a reliable option if you wish to improve your credit score fast.