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 $95 fee, told me I was approved, then denied me afterward and held onto my money instead of handling it quickly or fairly. When that is someone’s last money, it is not a small issue—it creates real stress and leaves people stuck waiting.
The process felt misleading, the fees felt predatory, and customer support did not make resolving it a priority. I strongly recommend going anywhere else before trusting this company with your money.
Read every detail before applying. I wish I had.
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Where is my card???
I applied for and was approved for my card at the end of April 2026. It is now the middle of June and there has been no card delivered, and emails(paper trail) with repeated inquiries have been pretty much blown off. This is unacceptable and so I am going to assume they don’t care about professionalism and taking care of their customers.
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Scam artist
I made my payment there system processed my full credit card amount as a payment twice. Since they took my money twice they locked my card and wouldn’t repay the amount the card is now closed and still have not been repaid the 309$ your better off with a secured credit card they are crooks! I seriously have never had someone steal my money from a financial institution and never thought I’d see the day. I am currently looking into getting ahold of the consumer financial protection bureau to have them investigated. STAY CLEAR FROM THEM
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Response from developer
Please contact our Customer Service department so we can review the account with you. If the payment was deducted twice we will refund that money and see what happened.
Doesn’t update
You guys really need to work on the app API, it doesn’t update properly. Whenever I want to see my balance or see what my credit is it doesn’t update and it takes a day or 2 to show it to me.
Garbage
Absolute garbage, credit card company, victim of fraud, and they are holding me responsible after doing everything to the proper channels. Now I will be seeking legal action against them.
Latest update broke the login
Can’t log in after the app update. I tried using the ‘forgot username/password,’ after entering the required information it says ‘account doesn’t exist.’ So I tried re-registering to create a new online account. After entering in my information, it says ‘account already exists.’
Don’t get this card
This card has no chip to where you can use it. You have to slide it like an old-fashioned credit card. This is 2026. And on top of that you have to register online to do auto pay which is totally ridiculous and let’s see I try to get into the app and then it says it’s not recognized whatever I am so sick of this company so whatever you do, beware do not apply for this card.
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They will restrict your account
If you make Payments as you use the card they will restrict your account and you wont be able to use it even providing proof. They will make excuses about other dates once you send one bank statement and it’s a never ending battle AVOID if anything.
App is horrible! Can’t even get in
Not happy
Bad
App asks me to verify an email code every time I open it.
App
This App is absolutely horrible. It sends a reminder to pay online to avoid fees, however, the app never opens. It keeps saying “register” when I registered several times it then said “ this account is already registered go to login”. When I go to login it is the same ENDLESS LOOP. Never able to get on line to pay my bill. Back to US Mail…
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AMAZING
I have had my Total Credit Card for 2 years and there was a time I was going through it trying to find a new job. They were THE ONLY card company that understood that I couldn’t make my monthly payment! Instead of canceling my account they just asked I deposit atleast $20 to keep it open and I did! I have changed phones and redownloaded the app with ease changed my phone number and same thing no problems! Definitely have recommended this card to people and will continue to do so!
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Response from developer
Thank you for your review and for being a Customer!!
App Issues
Trying to update my phone number on the app. When selecting the Contact Information tab, the main address line has a red letter error under it. The error reads “Can only contain special characters #-./“ and will not allow me to submit updated information. There are no special characters in my address and I have fully deleted the address and reentered it. So I am unable to update any of my contact information.
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Response from developer
Good morning, Sorry to hear you had issues with the app. Please try again and if the issue continues please contact our Customer Service team.
App issues
This app is not very functional, I have both the Total Visa & the Total Select Visa and the App will not let me add both cards. I’ve even called and customer service was no help. Fix this app so we can add multiple cards (accounts) or develop a second app specifically for the Total select card.
Can’t use on apple or android
Suck you can’t added on Apple Pay or android phone worst card ever
So far so good.
I hate that there’s no chip, but overall, the card works for me. I try to pay my bill through the app and it keeps getting declined. I called the CS number and seen there was a website, so I was able to pay online.
Worthless app
This app is totally worthless if you have more than one account. It is impossible to add a second account to this app. They either need to update this app so we can add multiple accounts or create a separate app specifically for their Total Select Card and one for the Total Visa.
