If you were notified by mail that you’ve been pre-approved for a Total Visa Credit Card visit complete the online application process by visiting www.preapprovedtotal.com. At the site you will need to enter your 8 character Reservation Code which is highlighted at the bottom of your offer letter. Customers who are interested in applying for a Total Visa Credit Card but who have not received an offer letter can still do so by visiting the same website and following the instructions on the homepage.
Customers can also elect to apply for the Total Visa Card by completing the hard copy application that was included in their offer letter. It will take 5 to 7 days before you receive a response on your acceptance if you choose to use this option. The fastest option for applicants is to visit the pre-approval site and complete the short application process there. It only takes a few minutes to complete and you will receive an instant decision on your credit acceptance.
Apply for Total Visa Credit Card
24/7 Online Account Access: Once approved for a Total Visa Credit Card cardholders will be able to access their account online to review their account balance, transactions, available credit, bill pay options, etc.
Processing Fee: There is an $89.00 processing fee to open an account that you must accept before accessing your available credit. The $89 processing fee is a one-time fee.
Annual Fee: The Total Visa Card has a $75 annual fee for the first year and every year thereafter it’s $48. When you receive you credit card you’ll notice that the annual fee will already be deducted from your $300 credit limit. Your available credit limit will be $225.
Monthly Servicing Fee: There is no fee assessed the first year but beginning the 2nd year it will be $75 annually or $6.25 per month.
Penalties: Late Payment fee up to $37 and returned payment fees up to $37.
Pay by Phone Fee: There is a fee called Expedited Phone Pay Fee that is assessed to cardholders who choose to pay their monthly bill by phone. The fee is $10 and can be nullified if cardholders simply pay their monthly bill online. The online bill pay service is free.