There is NO customer service
I received my card and activated it. Then I can’t use it because the phone system says that the card is not activated! BS! When I called the customer service number, they say that they can’t activate it without sending me a passcode. BS! I tell them no they can’t send me anything. I state I want to speak to a MANAGER and am told they don’t have one. Call centers are supposed to have MANAGEMENT available from the time it opens until the time it closes! I will just pay the card and put it away and not use it. WORSE CARD EVER!!!!!
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Do not OPEN THIS CARD
If I could give this 0 stars I would. As an application developer, you cannot log into this app at all. The initial and annual fees are ridiculous. You have to pay via an online payment processor which takes 14+5 business days to even reflect on your account. I paid my bill in full, though it won’t be reported as a full payment at the end of the month due to their ridiculous fees, turnaround times, useless trash app. Can’t wait to cancel and sue.
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Add a way to lock the card on the app
Can we please put a lock card command in the app please its frustrating we can’t lock the card if it were to get stolen your out of luck
Scammers degenerate
Do not get a Total Credit Card.
In my experience, they took the $95 fee, told me I was approved, then denied me afterward and held onto my money instead of handling it quickly or fairly. When that is someone’s last money, it is not a small issue—it creates real stress and leaves people stuck waiting.
The process felt misleading, the fees felt predatory, and customer support did not make resolving it a priority. I strongly recommend going anywhere else before trusting this company with your money.
Read every detail before applying. I wish I had.
In my experience, they took the $95 fee, told me I was approved, then denied me afterward and held onto my money instead of handling it quickly or fairly. When that is someone’s last money, it is not a small issue—it creates real stress and leaves people stuck waiting.
The process felt misleading, the fees felt predatory, and customer support did not make resolving it a priority. I strongly recommend going anywhere else before trusting this company with your money.
Read every detail before applying. I wish I had.
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Where is my card???
I applied for and was approved for my card at the end of April 2026. It is now the middle of June and there has been no card delivered, and emails(paper trail) with repeated inquiries have been pretty much blown off. This is unacceptable and so I am going to assume they don’t care about professionalism and taking care of their customers.
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