
Tay U.
Garbage. I knew this card had too many fees but was laid off last year and my credit plummeted. I thought it would be great because I was "approved" for 300 then given an offer of 500 so I figured it would just be a gas card to help build credit. What a joke. I accepted the offer, paid the 95$ fee, and then they "rejected" the application. Do anything but get this card.
2 people found this review helpful
Vervent, Inc
April 28, 2026
Hi, we'd be happy to see what happened with your account. Please contact our Customer Service department and we will be happy to review the account with you.

Rebecca Gene
App keeps freezing when trying to make a payment. I guess it's on purpose to try and gather late payments. I've submitted a payment 4x and freezes and is unsubmitted every time. Biometrics doesn't work. There is no way to contact them through the app like any standard bank. Also if you have Discover, this "bank" does not disclose that they do NOT take Discover until after. I triple read the contract and did a search in the contract and they neglect to mention it until the bill is due.
134 people found this review helpful
Vervent, Inc
January 24, 2023
Sorry to hear you are having issues using the app. Please contact our Customer Service department at 888-262-2850 and will be happy to assist.

Charlie Kim
Very simple to use. Gives access to your account information such as, available credit, current balance. You are also able to update password, contact information, add payment methods, get assistance. All in all a good app with a great u.i. I've only used it for a couple hours but it seems to be well rounded. Very happy with my total card experience thus far.
216 people found this review helpful
Vervent, Inc
October 5, 2021
Thanks for your review of the Total Visa app! We appreciate your feedback & thank you for being a Total Visa customer.