Enter Reservation Code – Total Visa® Apply Online gives you the opportunity to respond to the Mail Offer online and get yourself approved for the Credit Card offered by Total. Simply enter the Reservation Code (mentioned in your offer letter) to get your Total Visa® Credit Card.

Build Your Access With PreApproved Total Visa® Card

The busy yet functional world of today demands us to be versatile in every possible aspect of our life. Increasing competition in every field makes people look for the best possible option in every regard. A Visa® card is one of the modern technologies which enable people to avail various opportunities in banking and finance. Apply for a Total Visa card has now been made easy with simple-to-follow steps.

Before discussing the process of getting a Visa® card we need to know what a Total Visa® card is.

Credit Score Required: Bad Credit, Fair Credit

Recommended FICO® ScoreΘ Rating
Poor – Excellent, New to Credit, Rebuilding


Total Visa® card holds a special status of prestige compared to other cards like MilestoneApply in the same category. It is an unsecured credit card which means that no security will be deposited. No credit history is required to get this card issued.

The Total Visa® card itself is issued by the Bank of Missouri directly in connection with the three major financial Credit bureaus, Equifax, Transunion, and Experian that monitor your credit history.

The Bank of Missouri issues the Total Visa® Card under license from Visa® U.S.A. Inc. They’ll need the applicant’s name, residence, birth date, and other details that help them to identify you as a client and keep your records on file. Following are some processes that we need to undergo while getting a Visa card;

  • For getting a Visa® card the applicant needs to open a bank account.
  • For the first year, there’s a $75 yearly fee, and then it’s $48 per year.
  • For those trying to rehabilitate their credit, the Total Visa® Credit Card is a great option. The Visa® Signature debit card is a credit card issued by Visa®, Inc and it provides exciting offers to the users.
  • While applying for this card you will get a mail offer invitation letter, which will allow you to move to the site. We will discuss the application process below.

Total Visa® Credit Card Highlights

The Total Visa® Card is an unsecured credit card for people with bad credit and can be used for building credit.

  • Total Visa® Card reports to all three credit bureaus (TransUnionEquifax, and Experian) in US.
  • Pre-qualification process will not impact your credit score.
  • Online banking access 24/7.
  • Bad credit, no problem.
  • All credit histories considered.
  • Total Visa® allows you to choose a card design.
  • The Total Visa® Card’s credit limit is $300.

Total Visa® Credit Card’s Key APRs & Fees

One-time fees$89
Monthly feeNone 1st year, $6.25 after
Intro APRN/A*
Ongoing APR34.99%
Annual fee$75 1st yr, $48 after
Grace period21 days

Additional Card Details

Max Late Fee$40
Max Over Limit Fee$0
Max Penalty APRNone
Foreign Transaction FeeN/A
Smart ChipNo
Cash Advance APR34.99%
Cash Advance Fee$0 the 1st yr, 3% (min $10) after

Why You Received Prescreened Offer?

If you were prescreened for a Total Visa® credit card offer in the mail, it means that you may be a good fit for this particular offer based on information in your credit report indicating that you meet certain criteria. The Pre-Approved Total mail offer was not guaranteed for pre-qualification, and it was for one of their products that might fit one’s needs. You may already have a credit card. Maybe you want to get another one, but don’t like getting junk mail. If you do not want to receive prescreened offers of credit from Total and other companies, call the consumer reporting agencies toll-free at 1-888-567-8688.

What To Do If Not Received Invitation Mail?

Apply online for your Total Visa® credit card today. You don’t need to worry about the invitation mail offer.

If you didn’t get an invitation mail offer to apply for your own Total Visa® credit card, you can still apply online for a card that doesn’t require a perfect credit score for approval.

The TOTAL VISA® CREDIT CARD is a convenient and easy way to get the credit card you want with a fast approval process within seconds, no hard pull on your credit, and reporting to all three credit bureaus.

The TOTAL Visa® is a great credit card for people who want to own their first VISA® credit card. For those looking for fast application processing and response, a TOTAL Visa® card is the best option for them.

There are a few things you should know about the TOTAL VISA® CARD: It offers manageable monthly payments, reports to all three major credit bureaus, is accepted by merchants throughout the USA and online, and requires a checking account.

How to respond PreApprovedTotal Mail Offer?

After getting the mail, the very first thing that one is concerned about is how to respond to the PreApprovedTotal Mail Offer reservation code. The mail offer you receive itself is quite comprehensive, shedding light on every aspect of the application process. You will not find the application process hard. We have also described the steps below to assist you throughout the process. The mail will be covering the link of a site named which will take you to the official page of the card. As soon as you open the link you will find every step of the application process in detail.

How to Get PreApprovedTotal Visa® Card?

After you click on the link, you will find a screen where you must enter your login information.

To avoid any future issues, please fill out the form with the most up-to-date and correct information about yourself. The page will lead you through the process of filling out every piece of information.

Steps To Follow For Apply Onlne:

  1. Provide your name (middle and last too) 
  2. Finish the phrase with the suffix (optional).
  3. Give your complete address on the page.
  4. Add your current location’s city, state, and zip code.
  5. Add the email address where you would like to get updates in the future. Missouri Bank or other financial institutions may notify you through email about your application, account, and special offers if your email address is the same which you entered to receive the invitation.
  6. It’s a good idea to enter your phone number on the page if you were unable to send an email. The use of prerecorded messages and automated dialing systems by Missouri Bank and any other servicer or owner of your account is permitted if you have provided your phone number.
  7. Adding your original date of birth will be a good thing. Now that you have this information, the terms and conditions for each stage appear on the page. Read them carefully when you’re filling out your application.
  8. Add the social security number in the bar.
  9. The analysis of your credit profile will be reflected in the annual fee policies that are detailed on this page.
  10. Before clicking on the accept button is the final step in the application process for the Total Visa® card please read the consent note on the site. It states that you have agreed to the Genesis FS Card Services Inc. privacy policy, and consent to electronic communications.

Total VISA® Credit Card Conditions and Terms Agreement:

As you were required to accept the terms and conditions of the agreement, you also allowed the bank to send you all relevant notifications to your email address.

After Completing this ten-step process, you’ll find out if you are eligible for the Total Visa® Card or not. The site will guide you to get other cards suitable for you if you don’t qualify for this card.

Pre-qualification doesn’t mean you don’t have to submit all the relevant information to the issuing bank for credit approval. You will still be required to complete the process by providing all the necessary information.

What happens next?

You should expect to hear back from the bank between eight to ten working days after submitting your application successfully. Although it may seem like a long time, you will be contacted as soon as all of your credentials have been thoroughly examined. Nevertheless, if your application is refused, the bank will keep track of your contact information and notify you as quickly as possible by phone or email.

Finally, if none of these things happen and you haven’t heard anything from the bank employees, you should wait a week or two before phoning to inquire about your card application because it may be in the pending process.

Why TOTAL VISA® CARD is better than competitors:

Total Visa Credit Card

Since has been established for a long time, they are not a scam because they have a mail that directs you to the site where you can read the reviews of hundreds of customers.

Additionally, their services are accurate and reliable. Total Visa® card is designed to assist personnel who have poor credit and looking for means to develop their credit record positively. Customer service personnel treat all of their clients in a very professional way and they’re always available to offer advice or assistance on the subject matter. They will try to answer your inquiries and concerns as soon as they receive them. When it comes to visa cards, customer care and the smooth process of handling financial stress are the most remarkable features. These aspects increase the adaptability and credibility of visa cards at the same time.

Credit Score Necessary: A credit score of $700 or more is required to get the best Visa® cards.

Cost per year: $75 to $48

APR: 34.99% not variable APR on purchases.

While other credit cards charge an annual fee, the platinum card does not. You can pay your bills quickly and conveniently because it allows contactless payments. After six months or so, your credit lines are recalculated and the benefits will continue to accrue. Your credit line will be gradually increased based on your credit limit.

Last but not least, if your card is missing, you’ll not have to worry about any fraud or unlawful purchases because the Visa® card has the best troubleshoot facilities with minimum response time.

Who is eligible to apply for

Taking notes of all the possible elements that this card holds, the people with poor credit are most suitable to apply for this card. But as far as the question of qualification is concerned anyone can apply for the card. The qualification for this Toal Visa® card is directly proportional to your credit scores. You can get approval within seconds of applying if you hold some good credit scores. 

As the article has scored all the necessary information about the details of applying and benefits of the Total Visa® Credit Card, we will now look into the frequently asked questions by the customers and other people applying for the card. The article will shed the light on some possible questions about the application process and help you make informed decisions

Pros of Total Visa® Card:

Un-secured credit cards:

It is a good choice for people because no security deposits are necessary to get it. Even if your credit isn’t stellar, you may be able to receive the card and get a $300 credit limit without putting up any of your own money as collateral.

Affiliation with major agencies:

By availing of the service of Total Visa® card you get affiliated with three major agencies; Equifax, Experian, and TransUnion by The Bank of Missouri, which issues the Total Visa® Card.

The First Year’s Cash Advance Fees Are Free:

For the first year of card ownership, you do not need any cash advances.

Security Deposit:

If you have a limited credit history or bad credit, you can use a secured credit card to begin establishing or rebuilding your credit rating. With a secured card, you’ll have to pay a deposit, which works as collateral to secure your available credit limit.

Cons of Total Visa® Card:

The cons associated with this card are as under:

1- Yearly Charges:

Other cards in banking services don’t charge much but in this case, annual payments can be an issue for customers.

2- Increased fee:

 For increasing the credit limit you have to pay for it. For example, if your credit limit was increased by $100, your fee would be $20, which is deducted from your available credit. 

Reviews regarding Total Visa® Card:

The views regarding Total Visa® Credit Card are very encouraging as well as making you trust their authenticity. The liability depends on the reviews of customers.

Taking care of everyone’s privacy here we would not mention the names but the words of users. 

  1. This card gives me the opportunity to rebuild my credit score and makes it so easy!
  2. I love my Total Visa® Credit Card but I think that they could get rid of some of the fees that they charged. Overall it’s a good card for people trying to buy their credit.
  3. Have it for a year, fees are high but I pay my bill in full. Customer service is good never had a issue even got a credit line increase which cost me $20 for it. If you need a card and have bad credit this is the card for you.

Final Verdict:

In our final verdict, the Total Visa® Credit Card itself is a good option for people struggling with low or poor credits. The non-refundable security deposit can be a factor to question but the practicality of cards cannot be minimized through these. 

We suggest the audience apply for a Total Visa® Credit Card through for their reliable future. You can qualify for an unsecured card by improving your credit over time, so it makes sense to start with the Total Visa® Credit Card. Later on, when you have built up good credit, you can get your security deposit back.

Frequently Asked Questions

How do I get my complete Visa® card activated?

It is possible to activate your card online if you have already paid the Program Fee. Once activated, you can use it anywhere. Use your birthdate, Application ID, or email address to look up your accepted application. Activate your card by following the on-screen instructions.

Total Card Visa®: Is It Legit?

Total Visa® Card is a high-risk, unsecured credit card for persons with poor credit scores. To open an account with Total Visa®, you don’t need to deposit anything, but you have to pay a hefty “program fee,” which charges before the account is even functional.

Is there an app for the Total Credit Card?

People with less-than-perfect credit can still apply for a TOTAL VISA® card because it is a real VISA® credit card. A quick application process and instantaneous response are important considerations for certain job seekers.

Is Total Visa® a real company?

Yes, it is a real company band is associated with The Bank of Missouri. It also enables visa cardholders to get various discount offers, however, it is way more expensive than expected.

What is a prescreened offer of credit?

A prescreened credit offer is a firm offer of credit (such as a credit card) generated by a credit card company using information from a credit reporting company to make a firm offer of credit to a consumer. The credit card company selects certain criteria (such as the consumer’s credit score) and sees whether that consumer meets those criteria.

What are the current APRs for Total Visa® Credit Card?

According to the Federal Reserve Board, the Total Visa® Card has higher than average regular APRs. Its fixed purchase APR is 34.99%, while its fixed cash advance APR is 34.99%.

How does Total Visa® Card work with credit bureaus?

To help your credit history, report payments to creditors that report to the credit bureaus: Equifax, Experian, Transunion. Making on-time payments will demonstrate your financial responsibility and may help improve your credit rating.

How to apply for Total Visa® Credit Card?

There’s no need to worry about if you don’t have an invitation for pre-qualification. You still apply for a Total Visa Credit Card without any mail offer RSVP code. Mail offer invitation won’t give you the guarantee for approval. There are certain criteria one should fulfill for approval. Visit the Total Visa® credit card website. Click the Apply Online button and fill in the application form with your details.

How to check Total Visa® Card balance?

Total Visa® Cardholders can check their account balances 24 hours, 7 days a week by calling (877) 480-6988 and following the prompts. Total Visa® Cardmembers can also view their account balances online, log in to your online account, click on the “Account Summary” tab, and you will see your current balance on your overview page.

Where can I pay my Total Visa® bill?

You can make a Total Visa® Credit Card payment online or over the phone. To pay online, go to and log in with your credentials. If it’s your first time on the website, you need to register to create a username and password. Once you log in, navigate to the payment section. You will need to enter a bank account and routing number to fund your transaction.

If you have any questions about making a payment, please call 1-844-548-9721 and speak with an operator.

How can I apply to increase my credit limit with my Total Visa®?

Requesting an increase in your Total Visa® credit limit may be done by contacting customer service at (877) 480-6988. In order to increase your credit limit, pay your bill on time for at least six months, reduce your outstanding debt, and update the income Bank of Missouri has on file. Bank of Missouri will be more likely to grant a higher credit limit if the revised information shows that you can afford a higher credit line.

When you request a Total Visa® credit limit increase, Bank of Missouri will conduct a hard pull of your credit report, which may temporarily decrease your credit score. Bank of Missouri cannot do a hard pull without your permission.

If you are a Bank of Missouri Total Visa® cardholder, you may qualify for a credit limit increase without requesting one. If your account shows a history of on-time payments and low debt, Bank of Missouri will review your account and may increase your limit without affecting your credit score.

How to reach them OUT?

Is there any other way to contact Visa®?

To inquire about the application, call the toll-free number on the mailing or dial 1-844-548-9721. The phone number to call if you need assistance with your application or to make a payment for your program is 1-844-206-4371.

Is there an email address you can contact to? 

They’ll bet the farm on it! You can contact them at “ “

NOTE: A word of caution when using email: do not give your sensitive information such as credit card numbers, passwords, or other account details using any broad or public email system.

What is Visa® Classic?

Through Visa® classic, you can access cash from 1.9 million different ATMs in 200 different countries and territories worldwide. It also gives you various discounts on shopping traveling and dining.

What are the different kinds of Visa® cards I can get?

Visa® credit cards mostly come in five different types which include Visa® Classic, Visa Gold, Visa Platinum, Visa Signature, and Visa Infinite. All these cards help customers to avail different discount offers and other opportunities.