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Total Select Card
Two overlapping Total Select Visa credit cards, one gold and one silver, shown at an angle.
Two TOTAL credit cards, with a modern square and line background.

FAQ

Get Help - Easy as One, Two, Three.

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Hello, how can we help you?

How will I know if I’m approved?

You can apply for Total Card Visa with our online application. Usually, there is a decision within minutes. Sometimes, we’ll need some more information from you. Don’t worry – we’ll send you an email or a pending application letter with directions on how to move forward.

You can earn rewards by making payments to your Total Visa Credit Card or by shopping at participating merchants. Rewards are tracked as points:

Payments: Earn 1 point for every $1 paid to your account, equivalent to 1% cash back in Total Select Rewards^^
Shop at participating merchants: Earn cash back when you shop at select merchants. Cash back rates will vary by retailer and are subject to change. You can view participating merchants and cash back amounts in your online account at Myccpay.com or the Total Card Mobile App.^^

^^See TotalCard Visa Rewards Program Terms & Conditions for details.

Once an application is approved, we print your card almost immediately. We send your card within 3-7 business days. Because of mail delays, please allow 14 days for your card to arrive.

In order to use your Total Card, you first have to pay your Program Fee. To activate your card once you receive it in the mail, visit TotalCardVisa.com or call us at 1-877-526-5799 to activate your card. Then, download the Total Card Mobile App on Apple or Android. It’s the easiest way to manage your account and make payments.

The easiest way to make payments is the Total Card Mobile App for Apple or Android. You can make online payments at Myccpay.com. For other ways to pay, please call customer service at (877) 480-6988.

Total Card is a real Visa credit card, so it’s accepted at millions of stores in the U.S. & online.

Yes. You can add an authorized user during the application process or, after you open your account, you can add an authorized user through the mobile app or by contacting Customer Service at (877) 480-6988.

Yes.

If you’re a current customer, you can reach us through the mobile app (Apple or Android) or by calling (877) 480-6988. If you have questions about the application or paying your program fee, please call (877) 526-5799.

Pay your Program Fee here. If you have questions about the application or the program fee, please call (877) 526-5799.

The easiest way to manage your account is in the mobile app (Apple or Android). You can also use Myccpay.com or call customer service at (877) 480-6988.

If you’ve been a cardholder for more than a year, please contact customer service on your mobile app (Apple or Android) or at (877) 480-6988 for more information about applying for a credit line increase.

Total Visa has a one-time Program Fee, an Annual Fee and a Monthly Servicing Fee. Please see the Terms and Conditions associated with your offer for more details.

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The Total Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. *Card use subject to available credit; for security reasons, card may not be used at automated fuel pumps or for gambling transactions.

^^1% cash back is earned on payments to your Credit Card. The 10% cash back
rate is available only at a limited number of participating merchants. Participating merchants and specific reward amounts are available in your online account and are subject to change. See Total Card Visa Rewards Program Terms & Conditions for details.

1 Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuild their credit.