(Last Updated On: September 3, 2020)

Credit card applicants for the Total Visa credit card can apply online at

The Total Visa is issued by The Bank of Missouri, and is geared for credit applicants with poor and fair credit histories. If you have good credit, we would definitely consider other offers without an annual fee, and lower interest rates. However, we understand that many people need to start somewhere if they have damaged credit.

We highly recommend to pay off your balance before interest charges apply after the 21 day grace period. This will allow you to avoid paying interest. Please be aware of the one time program fee, and the recurring annual and monthly servicing fee. If you want to apply for the Total Visa, steps are listed below.

After going to the website, you will be asked for an 8 digit reservation code. Once you enter it, you will still need to fill out the Total Visa card application.

Preapproved Total Reservation Code

Instructions to apply using the mail offer:

  1. Go to
  2. Enter your 8 digit reservation code
  3. Fill out the online application for credit
  4. Wait for a credit decision

About This Site

Credit Card Invitation provides credit card applicants with more information about pre-screened mail and online credit card offers before applying.


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