About The Bank of Missouri

Offered by the The Bank of Missouri, the card is ideal for those with a less-than-perfect credit history.

With a straightforward application process and no hidden fees, the Total Visa Card provides a transparent way to improve your credit score over time.

As a secured card, it requires a deposit that acts as your credit limit, ensuring that both you and the card issuer are protected.

The Bank of Missouri is a financial institution that offers a wide range of services, including credit cards, personal loans, and savings products.

With a focus on providing flexible financial solutions to people with varying credit backgrounds, The Bank of Missouri is known for its customer-friendly approach to banking.

By offering products like the Total Visa Card, the bank helps individuals take control of their financial futures and work toward improving their credit scores.

Press the button below and check out the step-by-step process how to apply for the card.

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Who Is This Card For?

The Total Visa Card is a good fit for:

Those Rebuilding Their Credit: If you’ve experienced financial difficulties in the past and need to rebuild your credit, this card can be a helpful tool to get back on track.

Individuals with No Credit History: New to credit? The Total Visa Card can help you establish a credit history by reporting to the major credit bureaus.

Consumers Who Want to Improve Their Credit Score: The Total Visa Card is specifically designed for people who are looking to increase their credit scores over time by demonstrating responsible credit use.

This card is ideal for anyone who is committed to building or improving their credit, even if their financial past is less than ideal.

Advantages of the Total Visa Card

The Total Visa Card offers several key benefits:

Build or Rebuild Credit: The card helps you improve your credit score by reporting your payment history to the three major credit bureaus—Experian, Equifax, and TransUnion.

Low Minimum Deposit: The required deposit to open the Total Visa Card account is relatively low compared to other secured credit cards, making it accessible for people with limited funds.

Easy Application Process: The application process is straightforward, and you can apply online, receiving a decision quickly.

Accepted Anywhere Visa is Accepted: The Total Visa Card can be used anywhere Visa is accepted, both online and in physical stores, making it a convenient option for daily purchases.

Access to Credit Limit Increases: With responsible use, you may be eligible for a credit limit increase after some time, helping you improve your credit score faster.

Why Choose the Total Visa Card?

The Total Visa Card stands out due to its simplicity and accessibility. It’s specifically designed for individuals who are looking to rebuild their credit or those who have limited or no credit history.

With a low deposit requirement and the ability to use the card anywhere Visa is accepted, the Total Visa Card is a convenient option for people who are serious about improving their financial health.

Is This Card Right for You?

The Total Visa Card is a good choice if:

You have poor or no credit and need a card to start building or rebuilding your credit.

You are committed to making on-time payments and want to see your credit score improve over time.

You want a secured card with a relatively low deposit requirement.

You prefer a card with a straightforward, easy-to-understand fee structure and no hidden charges.

How to Use the Total Visa Card Effectively

To maximize the benefits of the Total Visa Card, consider the following tips:

Make Payments on Time: Timely payments are essential for building your credit. Set up reminders or automatic payments to ensure you never miss a due date.

Keep Your Credit Utilization Low: Avoid maxing out your credit limit. Try to use no more than 30% of your available credit to help improve your credit score.

Monitor Your Account Regularly: Use the online portal to check your balance, track purchases, and stay on top of your credit limit.

Use the Card for Everyday Purchases: Make small, regular purchases that you can pay off in full each month. This helps establish a positive credit history.