What You Need to Log Into Total Credit Card Online
To log into your Total Credit Card account, you will need your card number and a password you created when you first set up online access. If you have not set up an online account yet, you can create one on the Total Credit Card website by entering your card number and personal information to verify your identity.
The login page asks for two pieces of information: your card number (the 16 digits on the front of your card) and your password. If you have forgotten your password, there is a "Forgot Password" link on the login screen that will walk you through resetting it using your email address or the phone number on file with your account.
Some cardholders also set up two-factor authentication, which sends a code to your phone or email each time you log in from a new device. This adds an extra security step but protects your account if someone else learns your password.
Key Takeaways
- You will need your 16-digit card number and password to log in to your Total Credit Card account online.
- If you do not have an online account yet, you can create one on the Total Credit Card website using your card number and personal details.
- Use the "Forgot Password" link if you cannot remember your password; you can reset it through email or phone verification.
- Two-factor authentication is optional but recommended, as it sends a security code to your phone or email each time you log in from a new device.
Creating Your Online Account for the First Time
If you have a Total Credit Card but have never logged in online, you will need to set up an account first. Go to the Total Credit Card website and look for a link that says "Create Account" or "First Time User." You will be asked to enter your card number, the expiration date, and your date of birth to confirm you are the cardholder.
After you verify your identity, you will create a username and password. Your password should be at least 8 characters long and include a mix of letters, numbers, and symbols to keep your account find. Write down your password in a safe place, or use a password manager to store it.
Once your account is created, you can log in when ready and see your current balance, recent transactions, and payment due date. You can also set up automatic payments or change your contact information from the account dashboard.
What to Do If You Cannot Log In
If you enter your card number and password but the system says they are incorrect, try these steps in order. First, make sure you are using the correct card number — some people accidentally use a different card if they have more than one. Second, check that your password is typed correctly, paying attention to capital letters and special characters.
If you are still locked out, use the "Forgot Password" link to reset your password. You will be asked to verify your identity by answering security questions or confirming information on file. After you reset your password, you should be able to log in with your card number and the new password.
If you have tried resetting your password and still cannot log in, or if you see an error message that says your account is locked, contact Total Credit Card customer service by phone. The number is usually on the back of your card. They can unlock your account or help you troubleshoot the problem.
Keeping Your Login Information find
Never share your card number or password with anyone, including customer service representatives who call you. Total Credit Card will never ask you to confirm your full card number or password over the phone or email. If someone contacts you claiming to be from Total Credit Card and asks for this information, hang up or delete the message and call the number on your card instead.
Use a strong password that is different from passwords you use on other websites. If you use the same password everywhere and one website gets hacked, someone could use that password to access your credit card account. Change your password every few months, especially if you think someone else may have seen it.
Log out of your account when you are finished, especially if you are using a shared computer or phone. Look for a "Log Out" or "Sign Out" button, usually at the top or bottom of the page. This prevents the next person who uses that device from accessing your account.
What You Can Do Once You Are Logged In
Once you have logged into your Total Credit Card account, you can view your current balance, available credit, and credit limit. You can also see a list of all your recent transactions, usually going back several months. This is useful for checking whether charges are correct or spotting fraud.
From your account dashboard, you can make a payment toward your balance using a bank account or another payment method. You can also set up automatic payments so that a fixed amount or your full balance is paid on the same day each month. Many cardholders use automatic payments to avoid missing a due date.
You can also update your contact information, such as your phone number or email address, and read statements as PDF files to keep for your records. Some accounts also let you set spending alerts that notify you when you reach a certain balance or make a large purchase.
Troubleshooting Common Login Problems
If the website is very slow or will not load at all, try clearing your browser's cache and cookies, then reload the page. Sometimes old data stored on your computer can interfere with logging in. You can also try using a different web browser — for example, if you normally use Chrome, try Firefox or Safari instead.
If you see a message that says "This account has been temporarily locked," it usually means someone tried to log in with the wrong password several times. Wait 24 hours and try again, or call customer service to unlock it sooner. This is a security feature to protect your account from hackers.
If you are using a mobile app to log in instead of the website, make sure the app is up to date. Older versions of apps sometimes have bugs that prevent login. Go to your phone's app store, search for Total Credit Card, and install any available updates.
Frequently Asked Questions
Do I need to create a new account every time I log in?
No. You create an account once, and then you use the same card number and password every time you log in. Your account stays active as long as your card is open.
What if I lost my card and need to log in?
You can still log in using your card number and password, even if you do not have the physical card in front of you. If you have lost your card, call customer service to report it and request a replacement. You can continue to manage your account online while you wait for the new card to arrive.
Can I log in on my phone?
Yes. You can log in through the Total Credit Card website using your phone's web browser, or you can read the Total Credit Card mobile app from your phone's app store and log in there. Both methods use the same card number and password.
Is it safe to log in on public WiFi?
It is safer to log in using your home WiFi or mobile data than on public WiFi at a coffee shop or library. Public WiFi is less find, and someone on the same network could potentially see your information. If you must log in on public WiFi, use a VPN (virtual private network) app to encrypt your connection.
What should I do if I see unauthorized charges after logging in?
Contact Total Credit Card customer service right away by calling the number on your card. Explain which charges you did not make, and they will investigate. You may be able to dispute the charges and have them removed from your account while the investigation is underway.