"So Far So Good..."
Total Visa® Card Review
Written by: boobie1998 on 2015-01-16
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
boobie1998's review: 
I just obtained this card on January 15, 2015, applied at the beginning of the month, so about a two week turnaround. This card is issued by Mid America Bank and trust, NOT Plains Commerce bank like it used to be...It was instant approval for me when I applied. It is similar to my First Premier, but not quite as many fees. There is an $89 processing fee to open the account, and a $75 annual fee year one. Year 2 its drops to $48, and a $6.25 monthly participation fee will start. Online access is free, unlike First Premier. I have paid both fees, so I have the full starting credit line of $300 available to me. I paid both with my debit card, there are no delays with available credit this ways. Terms do state payments with non-guarantee funds could delay available credit up to 14 days. You can register the account at myccpay.com, and pay with debit card there. My payment was available the next day. This card after 6 billing cycles you can request a CLI, and that is for free, I like that, so perhaps the card can grow over time. So far I like it, and obtained it to rebuild my poor credit. No cash advances for the first 90 days, after that, half of the credit line is available for cash. APR is 29.99%, so obviously a PIF card. Hope the review helps someone. It was a little expensive to obtain, but that is the price of poor choices in the past. So far, I am satisfied with it...
I just obtained this card on January 15, 2015, applied at the beginning of the month, so about a two week turnaround. This card is issued by Mid America Bank and trust, NOT Plains Commerce bank like it used to be...It was instant approval for me when I applied. It is similar to my First Premier, but not quite as many fees. There is an $89 processing fee to open the account, and a $75 annual fee year one. Year 2 its drops to $48, and a $6.25 monthly participation fee will start. Online access is free, unlike First Premier. I have paid both fees, so I have the full starting credit line of $300 available to me. I paid both with my debit card, there are no delays with available credit this ways. Terms do state payments with non-guarantee funds could delay available credit up to 14 days. You can register the account at myccpay.com, and pay with debit card there. My payment was available the next day. This card after 6 billing cycles you can request a CLI, and that is for free, I like that, so perhaps the card can grow over time. So far I like it, and obtained it to rebuild my poor credit. No cash advances for the first 90 days, after that, half of the credit line is available for cash. APR is 29.99%, so obviously a PIF card. Hope the review helps someone. It was a little expensive to obtain, but that is the price of poor choices in the past. So far, I am satisfied with it...
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7 Comments
Comment 1 by wanderer
Re: So Far So Good... 
on 2015-01-17
Congrats on your success in obtaining the Total Visa! Good info on the card. Who know in a year your credit may support some prime cards. Best wishes on your rebuild journey!
on 2015-01-17 Congrats on your success in obtaining the Total Visa! Good info on the card. Who know in a year your credit may support some prime cards. Best wishes on your rebuild journey!
Comment 2 by thomas1
Re: So Far So Good... on 2015-02-09
Congrats! Hopefully this is will be a great starting point for great, prime cards in your future. Treat it well, and you'll see results down the road
on 2015-02-09 Congrats! Hopefully this is will be a great starting point for great, prime cards in your future. Treat it well, and you'll see results down the road
Comment 3 by boobie1998
Re: Update On CLI on 2015-07-16
Well, I hit my 6 month mark with the card, and I did receive an increase...drum roll please.......a whole $50!! oh, what to do with it??!! I thought I would get at least $100 but not the case. Perfect card, PIF every month. Guess its better than nothing, and the increase was free...no fee. So limit is now $350. Eligible every 6 months, so the next one for me will be 1/7/16...
on 2015-07-16 Well, I hit my 6 month mark with the card, and I did receive an increase...drum roll please.......a whole $50!! oh, what to do with it??!! I thought I would get at least $100 but not the case. Perfect card, PIF every month. Guess its better than nothing, and the increase was free...no fee. So limit is now $350. Eligible every 6 months, so the next one for me will be 1/7/16...
Comment 4 by finance globe
Re: So Far So Good... on 2015-07-16
Wow, not much love. Like you said, something is better than nothing. I just updated the card info, it was off the radar for the past few years!
on 2015-07-16 Wow, not much love. Like you said, something is better than nothing. I just updated the card info, it was off the radar for the past few years!
Comment 5 by boobie1998
Re: Getting Better on 2016-02-05
Had card one year now...Limit has been raised to $500. Zero problems with the card
on 2016-02-05 Had card one year now...Limit has been raised to $500. Zero problems with the card
Comment 6 by boobie1998
Card Still Growing/CLI on 2016-08-25
8/12/16 awarded the 6 month increase...started at $300, now at $550. Good card, keeping it for a while yet because I like that they give increases twice a year...but you must ask, it is not automatic...
on 2016-08-25 8/12/16 awarded the 6 month increase...started at $300, now at $550. Good card, keeping it for a while yet because I like that they give increases twice a year...but you must ask, it is not automatic...
Comment 7 by boobie1998
Re: Another CLI on 2017-03-09
Awarded an increase on 3/1/16...limit now $600
on 2017-03-09 Awarded an increase on 3/1/16...limit now $600
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Disclaimer: This content is not provided by The Bank of Missouri. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by The Bank of Missouri. Review content is powered by Finance Globe.
