Total Visa® Credit Card Offer
The website preapprovedtotal.com is a legitimate application portal for the Total Visa® Card. It is used for pre-approved offers sent by mail and is designed for consumers with bad credit who want to rebuild their credit history. However, experts strongly advise caution due to the card's notoriously high fees.
How preapprovedtotal.com works
1. Receive an offer: You will receive a pre-approved mailer for the Total Visa® Card.2. Access the application: You visit the website and enter a unique approval code and your ZIP code to begin the application.
3. Complete the process: After reviewing and entering your information, you submit the application for final approval, which will result in a hard pull on your credit report.
Red flags and costly fees
While the website itself is legitimate, the Total Visa® Card it promotes is widely known for its high costs. Before accepting any offer, be aware of the following fees:Better alternatives for building credit
For those looking to build or rebuild credit, the high fees of the Total Visa® Card often make it a poor value. Many financial experts recommend considering secured cards as a more affordable and effective alternative:opensky® Plus Secured Visa® Credit Card
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
- CLICK HERE TO APPLY ONLINE
*See Terms and Conditions
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
* See the online Preapprovedtotal.com (www.Preaprovedtotal.com or www.Preapprovetotal.com) credit card application for details about terms and conditions and offers.
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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