PreapprovedTotal.com Reservation Number for Total Visa® Card Review

Compare and Apply for the Total Visa® Card here – CreditSoup Poor Credit Cards

You may have received a mail offer for the Preapprovedtotal.com Total Visa® Card. Which is a pre-approved offer issued by the Bank of Missouri. The Total Visa® Card is targeted to people who have poor/bad credit. This is a card that should only be applied for if you are in need of rebuilding or improving your credit score.

PreapprovedTotal.com Total Visa® Card Review

Below is a review of the PreapprovedTotal.com Total Visa® Card that goes over the card rates, fees and terms of the card.

The Total VISA® Credit Card: A Starter Option with Some Trade-Offs

If your credit history has taken a beating (or you don’t have one yet), the Total VISA® Credit Card might catch your eye. It’s designed for people rebuilding their credit and doesn’t require a perfect score to get started. But like most cards in the subprime space, you’ll want to read the fine print before applying — the fees can add up fast.

The Basics

The Total VISA® isn’t a secured card, meaning you don’t have to put down a deposit to open an account. Instead, it’s an unsecured credit card issued by Total Card, and it reports your account activity to all three major credit bureaus — Equifax, Experian, and TransUnion — helping you build or rebuild your credit profile over time.

Key details:

• Regular Purchase APR: See terms
• Annual Fee: See terms (typically deducted from your initial credit limit)
• Credit Needed: Poor / Fair
• Initial Credit Limit: Up to $500 (see terms)
• Rewards: Earn 1% cash back on payments made toward your Total VISA® balance
• Credit Monitoring: Free credit monitoring powered by TransUnion®
• Checking Account Required

Why People Consider the Total VISA®

For many, it’s about access — a way to get back into the credit system when most other issuers say no. The application is quick, and approvals are often instant.

Highlights worth noting:

• You can apply online and receive a fast decision.
• Reports monthly to all three bureaus, which is crucial for credit recovery.
• The 1% cash-back reward on payments is a small perk that encourages responsible use.
• It’s a Visa®, so it’s accepted almost everywhere.

The Downsides (and There Are a Few)

This isn’t a “cheap” credit card to carry. While it does help you build credit, you’ll need to weigh the costs.

What to watch for:

• A high APR (See Terms), which means carrying a balance is expensive.
• Multiple fees, including annual, setup, and maintenance fees depending on your approval terms.
• Low starting limit — typically $300 to $500 — which gets reduced further by fees right after activation.

So while it’s technically unsecured, you’re still putting money out upfront in the form of fees instead of a refundable deposit like you would with a secured card.

Expert Take

Credit reviewers tend to view the Total VISA® as a short-term stepping stone, not a long-term solution. It does what it promises — it reports your activity and helps you establish a positive credit history — but the high fees and interest rate make it less appealing once you’ve built some momentum.

The Bottom Line

If you’re starting over and need a way to prove you can manage credit again, the Total VISA® Credit Card can do that job — as long as you go in knowing it’s not a free ride. Pay your balance in full each month, keep your utilization low, and after 6–12 months, you’ll likely qualify for better cards with lower fees and higher limits.

Learn more about Total Visa® Card and Compare to Other Poor Credit Card offers here – CreditSoup Poor Credit Cards

How to Activate your Preapproved Total Visa

Activating your Total Visa card is a quick and easy process that can be done online or by phone. Here are the steps on how to activate your card online:

1. Ensure that you have already paid the Program Fee and received your card.
2. Go to the Total Visa activation web page
3. Enter your date of birth and your application ID or email address.
4. Click “Submit” and fill in the form with the required information, including your card number, the last four digits of your Social Security number, and your phone number.
5. Click “Activate My Card”.

If you have trouble activating your card online, you can call Total Visa customer service at (877) 526-5799 for assistance.

Here are the steps on how to activate your card by phone:

1. Call Total Visa customer service at (877) 526-5799.
2. Have your card number and Social Security number ready.
3. The customer service representative will ask you to provide some additional information, including your date of birth and your mailing address.
4. Once you have provided all of the required information, the representative will activate your card.

Your Total Visa card is now activated and ready to use. You can use it to make purchases online, in stores, and at ATMs.

Overall, the Total Visa card is not recommended for most people. It is only a good option if you have very poor credit and you are committed to rebuilding your credit score. If you have fair or good credit, there are many other credit cards with lower fees and better rewards.

Here are some alternatives to the Total Visa card for people with poor credit:

• Capital One Quicksilver Cash Rewards for Good Credit: This card has a $0 annual fee and a 15.49% – 25.49% APR. It also offers cash back rewards on all purchases. Capital One Quicksilver Cash Rewards for Good Credit card
• Secured Credit Cards: Secured credit cards require a security deposit, which is equal to your credit limit. This makes them a good option for people with no credit or bad credit. Once you have made on-time payments for a certain period of time, you may be able to graduate to an unsecured credit card.

Is the Total Visa card a legit credit card offer?

Yes, the Total Visa card is a legitimate credit card issued by The Bank of Missouri, a member of the Federal Deposit Insurance Corporation (FDIC). It is also accredited by the Better Business Bureau (BBB) and has an A+ rating. The card is designed for people with poor credit who are trying to rebuild their credit history.

While the Total Visa card is a legitimate credit card, it is important to be aware of its high fees and limitations before applying for it. The card has an annual fee that varies (See Terms), a high interest rate of See Terms, and a number of other fees, including a program fee, monthly servicing fee, and late payment fee. Additionally, the card has a low credit limit of See Terms.