As you probably know, most smaller banks and stores outsource their credit card management to a third party credit card bank/issuer. One of which is Total Card Inc. (TCI) out of Sioux Falls, South Dakota… are they any good?
Who are they?
The company was originally founded in 2000 by four people who came from the credit card industry. Today they operate out of both Sioux Falls, SD (their headquarters) as well as Luverne, MN. Some of Total’s credit card portfolios under management are Plains Commerce Bank, Mid America Bank & Trust Company, Monterey County Bank, Affirm, and New Horizons.
What types of Total cards are there?
The Total Visa credit card option appears to be the most popular, but MasterCard is also an option.
How is the Total credit card customer support?
Something that stands out with Total Card is that they use 100% U.S. based customer support for their clients – they have over 100,000 sq/ft of space between their South Dakota and Minneapolis locations.
This U.S. based support is definitely a big plus for both the consumers, as well as the banks that partner with them. When it comes to credit cards, nothing pisses offer customers more than having to deal with a call center in India or the Philippines, so I commend them for keeping their support American-based… it keeps the customer happy, and that reflects positively upon the bank issuing their credit card.
Do they offer online payments?
Yes, Total credit card payments can be made at www.myccpay.com
Total Card vs. the competition?
There are a number of different companies that banks and stores use to outsource their credit card portfolios. The two biggest that come to mind are GE Money Bank and World Financial Network National Bank. Unfortunately, both of those are monstrous companies that are too big for their own good and receive a lot negative credit card reviews due to poor customer service.
So far, Credit Card Forum has not received any negative complaints about Total Card services or support. Therefore, they are one of the few credit card companies we rate as being good (though it could just be a case of none of our active forum members being cardmembers – if that’s the case then no news isn’t necessarily good news. But for now we will give them the benefit of the doubt.
Have an experience you wish to share?
Do you have a Total Visa card or MasterCard? If so, feel free to share your thoughts and opinions in the comment section below!
Written or updated November 11, 2015