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I was approved, then about a week later I paid the program fee on the phone with a representative. She said I would be able to activate the card within an hour. Waited, couldn’t activate. Tried for two days and the automated message said wait 60 minutes. Then I got an offer through Credit Karma for Total visa select. Figured I’d try that one too. I got denied but I just figured I probably couldn’t put in two apps for Total in the same 30days like Capital One cards. Next day I called to activate my original Total Visa card (which already came in the mail) The system again said wait 60 minutes. I called in and the rep said I was denied I said what do you mean? I have the card and the email approval and paid my fee two days ago I was just waiting to activate it. I think they mixed it up with the second application but they insisted I was denied. I have emailed them and if they don’t honor my card or give me my money back and take the inquiry off my credit I will be reporting them to the CFPB. If I were you I would go with capital one card or credit one card if you are trying to improve credit. I have Yoral visa a try but it seems to be a scam especially since I now see all of these bad reviews.
The worst Credit Card company you can ever sign up for! They give you unnecessary fees on top of fees! They charge you $15 everytime you use your card, so unnecessary and they charge you $41 for late fees even though I paid on time! I do not suggest getting this credit card company because it is a whole scam!!
I am also one of the people that if I could give this company a negative rating I would. I as well as many others reluctantly paid the $95 processing fee for the card, only to within minutes to not have any of my transactions go through any 5-day period I have had 55 transactions I have been on the phone with these people more than 25 times and not one transaction has gone through and all they keep telling me is that the store I am trying to use my card at is not authorized to have transactions with Total Visa. This makes absolutely no sense I am talking huge stores such as Target, Walmart, CVS, Walgreens, Home Depot, StubHub, Ticketmaster, hotels and many more. Nothing works and they just keep giving me the same answer and now they refuse to give me my $95 back as well so I saw somebody bring up the fact of class action suit I say let's go because if you look them up on the Better Business Bureau which they are not a part of the Better Business Bureau which is very strange for a credit card company but anyway there's over 5,000 complaints on this company I wish I would have did my research first.
If I can save one person the pain and frustration from being duked I have done a good deed. Total Select is a Predatory Lender. High interest rates, and annual fees. Do NOT WASTE YOUR MONEY! It truly is not worth it.
I had read all the bad reviews, so I canceled my application, called, and spoke with a representative to confirm the cancellation of my application and to verify that I would not be charged an activation fee for a card I no longer wanted to receive. They assured me it was indeed canceled and that I would not have a fee processed. I received email confirmation within a few minutes as well, serving as a paper trail of this conversation and the cancellation transaction. Six days later, I was charged, and the money was taken out of my account. I called to get a refund and let them know that what they did was unlawful and fraudulent. They said it would take 7 days to get a refund on something they took illegally, as they no longer had authorization to process such payment. Be careful with this company and do your best to avoid even starting the process, as I was naive enough to do.
hould've read the reviews before accepting the so-called pre approval. Submitted info thinking this would help in my credit comeback which was already improving. Only to say they need more info. Smelling a rat I refused any more info. Kinda glad I did. This card appears to be useless. Almost appears to be a phishing scam to get info.
If I could give them a negative 5 starts I would. This actually is the worst card ever. I recently had my wallet stolen so I call this fraudulent credit card issuer. I submitted an address change. I was told by their representative that it takes 2 weeks for an address change to go through. Mind you they verified it while speaking to customer service. Then it takes 2 more weeks to get a replacement card. Then it takes 3 weeks for a payment to go through. One month to receive a replacement card. Another 4 weeks to proceed a payment Nearly 2 months to be able to use the card. To anyone who is thinking about getting this card I strongly suggest that you pass this one up and anyone you may know who is thinking about it warn them!!!!!
FRAUD BY TOTAL VISA? OR A MISTAKE BY TOTAL VISA / BANK OF MISSOURI?Can NOT reach a live person on any number to discuss an erroneous billing statement, so far it is not even possible to speak to anyone at all. I am being wrongly charged a Late Fee after Total Visa failed to withdraw the funds as authorized by auto debit agreement. And now I received an email telling me "LET US HELP". I called the number listed only to get an automated system that put me in an endless vicious cycle of push-button hell that routes to nobody. And the dispute for is a printable form that looks like you must manually fill in form to scan, FAX, or snail mail (designed to discourage disputes). I Cannot even locate an email address to contact Total Visa for a dispute or return phone call...that makes me see this as a scam company (only my opinion). This is only my opinion, but this is how scammers operate, meaning you can never talk to them, see them or confront them to resolve an issue. I hope Total Visa contacts me to waive the late fee. If I cannot resolve this, meaning if Total Visa will not reach me, or if they do not contact me to offer a reasonable resolution, I will escalate it accordingly.*UPDATE: I've called each and every number I can find, the only rep I talked to told me he cannot help me with anything! He told me he cannot provide me any phone numbers for a live person! He also refused to provide any emails to reach Total Visa.
This company is a scam! I was approved for a card for a $300 credit limit. I had to pay at $95 fee which I reluctantly paid. I received the card and now they’re trying to get an additional $75 what they call an initial fee. You have to pay over $150 to get a $225 credit limit. I think I’m gonna organize a class action lawsuit for unfair practices and deceptive practices.
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