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preapprovedtotal.com – Apply Total Visa Credit Card

July 10, 2020 By admin

Pre Approved Total


  • Apply for the popular Total Visa Credit Card with the 8 character Reservation Code from the mailing promotion
  • The 8 character Reservation Code can be found at the bottom of the Pre Approved Total letter
  • Those who did not receive a promotional offer can still apply by providing their name and some financial information

The Pre Approved Total is being sent to consumers who information on their credit report indicating that they meet certain criteria BUT does not guarantee approval.  Customers who have already applied for the Pre Approved Total promotional offer in the last 30 days will not be approved.

Pre Approved Total Comments


  • A good but not great credit card
  • Designed for those with average/poor credit
  • When opening a Total

    Visa card

    account the applicant will have to provide their name, address, date of birth and other information (i.e. driver’s license in some cases)
  • Comes with a hefty $75.00 annual fee for first year and $48.00 after that
  • New Total Visa cardholders will be charged a one time processing fee of $89.00
  • Card holders will get off the hook for the first year in regards to monthly servicing fee but will be $6.25 per month after the first year is up 🙁
  • Initial credit limits usually starts at $300

Customers who do not want to receive pre approved credit offers by mail can call 1-888-567-8688 or write to one of the

major credit bureaus

(i.e. TransUnion PO BOX 505 Woodlyn, PA 19094).  The Total Visa Card is issued by Mid America Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. Mid America Bank & Trust Company who is a proud FDIC members.  Please note that the Total Visa credit card is not allowed to be used at automated fuel pumps, for gambling transactions (i.e. Las Vegas Casinos) or at merchants outside the United States (i.e. a small restaurant in China).


Primary References

  1. preapprovedtotal.com

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Andrew Ryan
Andrew Ryan
Financial Officer

Andrew joined Billy Sherwood in September 2017 from Lloyds Banking Group where he was a member of the Strategic Leadership Group and Managing Director leading businesses across Financial Institutions, Capital Markets and Financial Markets for eight years. Prior to Lloyds, Andrew held senior roles at a number of banking and investing firms including Morgan Stanley and AIG. He is a qualified chartered accountant.

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