# Total Card — user reviews

> 173 indexed App Store user reviews of Total Card by Vervent, Inc, rated 2.10/5 from 310 ratings.

- Source: https://appshunter.io/ios/app/total-card/id1574751566/reviews
- App overview in markdown: https://appshunter.io/ios/app/total-card/id1574751566.md
- Rating breakdown: 5★ 64 · 4★ 12 · 3★ 15 · 2★ 27 · 1★ 192

## What do users think of Total Card?

Overall sentiment: negative

**Pros**

- 🙏🏾 Pretty fair
- 💎 Awesome
- 🧗🏾‍♀️ Excellent

**Cons**

- 🗑️ Trash app
- 🔒 Can't lock card
- 🚫 App Not Working
- 🚫 DON'T FALL FOR THESE SCAMMERS
- 💰 Bad card worse app
- 🚫 FRAUDULENT…..Just look at the reviews
- 🚫 The app won't work
- 🚫 Just awful
- 🚫 Worst Credit Card
- 🚫 Don't work.
- ⏱️ Payment delays
- 🚫 App work when it wants to
- 🚫 Not responsive clunky slow glitchy
- 🚫 SCAM SCAM SCAM
- 🚫 Don't get this card
- 🚫 Please fix
- 🚫 Cannot add a second account with separate account number
- 🚫 No user found
- 🚫 Absolutely ridiculous
- 🚫 Just don't
- ⏱️ Time is a factor
- 🚫 Impossible to log in
- 🚫 Garbage
- 🚫 Can't Log In
- 🚫 Credit card
- 🔄 Update
- 🚫 Not worth it
- 🚫 Be Aware
- 🚫 Yet another issue
- 🚫 Frustrated with the app
- 🚫 Cannot log in
- 🔍 Tracking app
- 🚫 Terrible
- 🚫 Run
- 🚫 Dissatisfied
- 🚫 Kept declining.
- 🚫 Worst credit card ever
- 🚫 Blocked for using the card at certain stores?
- 🚫 Terrible app/Coordination
- 🚫 Useless
- 🚫 Doesn't work
- 🚫 Horrible card horrible app!
- 🚫 Worthless App
- 🤬 Angry YES
- 🚫 No compatible with iPhone
- 🚫 Help!
- 🚫 Account creation problems
- 🚫 Can't log in using myccpay credentials...
- 🚫 Worst card
- 🚫 They lied to my face!
- 🚫 Doesn't work
- 🚫 Impossible to use
- 🚫 Do not get this card horrible horrible horrible
- 🚫 Trouble logging in
- 🚫 .
- 🚫 Finally made an app.
- 🚫 Don't get this card
- 🚫 Worst Ap ever!
- 🚫 Doesn't work
- 🚫 Waaaas happy to see an app
- 🚫 Can't even log in!
- 🚫 Payment schedule doesn't work
- 🚫 Cant registered
- 🚫 So far not good

**Commonly reported bugs**

- Face ID/biometrics not working consistently
- Login issues
- App crashes/freezes
- Payment processing problems

**Most requested features**

- Keep biometric login
- Allow access to multiple accounts

## Newest reviews (18 of 173)

### 2/5 — Payment processing issues

*2026-08-26, version 2.2.3*

I made a payment and I received a receipt from total and through cash app but for some reason it didn’t post on my account and I call customer service and they couldn’t find that payment I made. They refused to look into it they just kept asking for another payment

### 2/5 — Okay card, high fees, app doesn’t work

*2026-08-07, version 2.2.2*

In all honesty, the card isn’t THAT bad, it’s the fees and waiting period after paying with a debit card which really grinds my gears along with the app being non functional, developers pls fix. I hate going online to pay or having to call…

### 2/5 — Doesn’t update

*2026-06-14, version 2.2.1*

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.

### 1/5 — Don’t get this card

*2026-06-03, version 2.2.1*

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.

### 1/5 — They will restrict your account

*2026-05-21, version 2.2.1*

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.

### 1/5 — App is horrible! Can’t even get in

*2026-05-19, version 2.2.1*

Not happy

### 1/5 — Bad

*2026-05-12, version 2.2.1*

App asks me to verify an email code every time I open it.

### 1/5 — App

*2026-05-09, version 2.2.1*

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…

### 2/5 — App Issues

*2026-04-19, version 2.2.1*

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.

### 1/5 — App issues

*2026-04-05, version 2.2.1*

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.

### 1/5 — Can’t use on apple or android

*2026-04-04, version 2.2.1*

Suck you can’t added on Apple Pay or android phone worst card ever

### 4/5 — So far so good.

*2026-04-03, version 2.2.1*

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.

### 1/5 — Worthless app

*2026-03-18, version 2.1.8*

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.

### 1/5 — Can’t add second card

*2026-03-15, version 2.1.8*

I’ve called several times to get my Total select card added to the app customer service can’t help. There English is terrible why would you have a call center in a country known for scamming the world????? I had to make my first payment on the phone because I can’t add to the app. You need to figure this out.

### 1/5 — Don’t Do it

*2026-02-15, version 2.1.8*

Waaayy too Many fees for such a small amount of money. Monthly fees, yearly fees, late fees, the list goes on and on. My card was stolen and now I cannot link my account I haven’t used my card since last July, over 10 months. F.

### 1/5 — Poor

*2026-01-31, version 2.1.7*

The app is impossible to use. The card both appears to be registered or not recognized at all. No help from agents either to gain access. 😡

### 1/5 — Terrible app

*2026-01-26, version 2.1.7*

Every 2 days my account somehow forgets that i have biometrics on. I then proceed to enter my username and password and get “wrong username or password” I then reset it 20 different times and it still says incorrect. You guys are scamming or what? I cannot log in

### 1/5 — Can’t log in

*2026-01-25, version 2.1.7*

All of a sudden, I can’t log in to the app.  Tells me my login info is not valid.  But the same info works on the website.

## Most critical reviews (10 lowest-rated)

### 1/5 — Horrible App

*2026-08-27, version 2.2.3*

I have never had so many issues trying to log into an app!!

It doesn’t save my password, it takes forever for the sms code come… to reset your password you have to put in the entire card number it’s just a hassle!

There’s no reason it should be this hard to log into an app.

DO BETTER!

### 1/5 — There is NO customer service

*2026-07-27, version 2.2.1*

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!!!!!

### 1/5 — Before Applying Beware

*2026-07-27, version 2.2.1*

This credit card is not worth getting , so many hidden fees they charge you after reading the terms and conditions. You cannot dispute any fees after them telling you they can. Wouldn’t trust this company with your information at all. You can’t understand them whatsoever. Horrible card to get

### 1/5 — Do not OPEN THIS CARD

*2026-07-23*

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.

### 1/5 — Where is my card???

*2026-07-22, version 2.2.1*

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.

In RESPONSE 7/22/26
I HAVE NOT RECEIVED MY CARD SO I DONT HAVE AN ACCOUNT.
I applied and was accepting end of May and sent my info requested by email and then waited and waited. I sent several emails and the response I got was “we are working on it” and then no updates, no card, no email saying it was sent, nothing. I have emails to prove conversation thru email. If you are not going to honor your fiduciary duty you need to stop offering something you have no intention of making good on. You have been reported to the FTC for consumer fraud.

### 1/5 — Scammers degenerate

*2026-07-03, version 2.2.1*

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.

### 1/5 — Where is my card???

*2026-06-18, version 2.2.1*

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.

### 1/5 — Scam artist

*2026-06-15, version 2.2.1*

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

### 1/5 — Garbage

*2026-06-11, version 2.2.1*

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.

### 1/5 — Latest update broke the login

*2026-06-09, version 2.2.1*

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.’

## Most praised reviews (10 highest-rated)

### 5/5 — Add a way to lock the card on the app

*2026-07-06, version 2.2.1*

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

### 5/5 — AMAZING

*2026-04-26, version 2.2.1*

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!

### 5/5 — 🧗🏾‍♀️💳💎

*2025-06-30, version 2.1.0*

☄️🙏🏾💖🌟❣️

### 5/5 — Please upgrade your card

*2025-05-01, version 2.0.9*

I like to use face recognition and it doesn’t allow it even though there’s an option for it. There’s no chip and it doesn’t save my login credentials. Please upgrade your card services.

### 5/5 — Great Customer Service (Poor Security and Risk of Fraud)

*2025-03-17*

Update:
I contacted Total Visa Card’s customer service, and I’m pleased to say they were very cooperative. They promptly reversed three of the disputed transactions, and only one remains under review. I appreciate their responsiveness and willingness to resolve the issue. 

Old Review:

I’m extremely disappointed with the security system of the Total Visa card. Despite being cautious with my spending habits, I recently experienced fraudulent charges on my account. What’s most concerning is that I never used this card online or shared my information with anyone, yet unauthorized transactions still appeared.

I used the card was at a reputable gas station, yet somehow my information was compromised. To make matters worse, this card offers no transaction alerts, making it even harder to catch suspicious activity quickly.

If you’re considering this card, be aware that it lacks even basic security features that most credit cards provide. I strongly recommend monitoring your account regularly if you decide to use it. Total Visa urgently needs to improve its security system to better protect its customers.

**Developer response:** Thank you for your updated review.  We are happy to see this issue has been resolved.

### 5/5 — Total Visa Credit Card Review

*2025-02-15*

Still giving them 5 stars for not stealing my money 

I’ve had the Total Visa credit card, and honestly, I wouldn’t recommend it. The card lacks a chip, meaning you have to swipe or enter your card details manually instead of using more secure contactless payments.

The initial credit limit is only $300, which is extremely low, and despite making on-time payments for a full year, they refuse to increase the limit. This makes it difficult to improve my or your credit utilization ratio.

On top of that, the fees are high, starting at $75+ upfront, and there are additional monthly and annual fees that eat into your available credit before you even use the card.

( Not sure how much more got pay upfront every year).

Overall, it’s not a great choice, especially since many other credit cards offer better terms for building credit. If you’re looking for a card to rebuild or establish credit, I’d suggest checking out options that offer credit limit increases over time and lower fees.

**Developer response:** Thank you for the review and for being a Customer.

### 5/5 — Update

*2023-05-03, version 1.0.15*

App says that it needs updating, but when I go to App Store the icon for that total app shows open not update. So can the issue be fix please.

### 5/5 — Finally an app

*2022-01-27, version 1.0.6*

glad they finaly listened and made an app!!

### 5/5 — Nice to have an app!

*2021-09-28, version 1.0.4*

After a year plus it’s great to finally have a mobile app. While basic, this app lets me manage my card day to day without issues.

### 5/5 — Great App!!

*2021-09-27, version 1.0.4*

Makes my life so much easier to track my spending and make payments. Thank you for launching this!!!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*