MyCCPay

MyCCPay online Portal ▶️ is used by Credit Cardholders for Bill Payment’s with ease. MyCCPay official site is managed by a parental company, namely Total Cards inc (TCI). We will show some simple methods How to Register and Login to MyCCPay.

Login to MyCCPay

Once after Registering an MyCCPay account, you will be able to Sign In. If you have no idea, simply follow the below login tutorial.

• Go here or access Www.MyccPay.Com account.
• Then, a MyCCPay Login page appears which asks to enter User ID and Password.

• After Logging in, we can see recent transactions, Credit cards account activity, check Balance and manage account information.

Registration for MyCCPay

Firstly, quickly Register at MyCCPay Portal to access your Credit card online fluently. If you don’t know How to exclusively register Account, just Follow these very simple steps below.

• Click here or visit My CC Pay portal.
• Next, click on the Register or Sign Up option.
• Further, Cardholder will be asked to enter Account details.
  1. 16 Digit Account Number
  2. Last 4 digits of SSN number (Social Security Number)
  3. Postal Code
  4. Username or User ID
  5. Email
  6. Password
• The Registration form can be seen in the below image:

• In Addition, Card users also need to select a security question along with an Answer. This keeps your Bank account secured from fraud activities.
• Finally, after filling all the credit card details like User id and Password correctly.
• Click on “Continue or Register” button below for confirmation.
• Done, You have successfully completed Registration on MyCCPay official site.

Note : MyCCPay official site offers to check Credit Card Balance, Pay Credit Card Bill, view Credit Card Statements, View Past Transaction history, make Credit Card Payments and Manage your Accounts anytime without difficulty.

Types of Credit cards

Although, MyCCPay official site does not support all Credit Cards. Total Card’s include only a few Credit Card companies which are mentioned below.

First Access Visa Card

First Access visa card is an another Card. Although, If you have a little credit history or bad credit. Users can consider the First Access Visa Credit card if you can use it responsibly. But, be prepared to pay fees in the name of building your Credit Rating.

Fees and the Interest Charges :

• The annual percentage rate is a variable of 34.99% APR.
• You will Pay online $ 89 program fee when you apply for Visa Application.
• You will Pay a first year annual fee of $ 75, $ 48 thereafter.
• This card has a monthly service fee of $ 6.25, exempted the first year.
• Late Credit Card payments will be charged a fee of up to $ 39.

Advantage:

• Approval of Card Application will be easy, as it is designed for people of U.S.A with a poor or limited credit history.
• It’s a Visa Unsecured Credit card, which requires a collateral deposit.

Disadvantages:

• It comes with a high Interest Rates of 34.99%.
• It has an extremely low Credit Limit of $ 300.
• He charges a “program” fee of $ 89 to open the account online, plus an annual fee of $ 75 the first year and $ 48 annually after that. This affects the amount of usable credit you will actually have.
• The Card Payment due date is only 21 days after the close of each billing cycle; Many other cards are delivered 24 or 25 days before your Payment is considered late.
• There is a late Bill Payment fee and a returned payment charge of up to $ 39. Get all the details here.

The Total Visa Card

Total Visa is the best credit cards for Bad Credit, which will help Cardholders to rebuild it. The Banks will report your Payments to the three main Credit Bureaus in America. However, the unsecured Total Visa Credit Card requires paying a fee for the program, an annual fee, a monthly service fee and has an initial Credit Limits of only $ 300. For more, visit here.

Emblem, Access and New Horizon MasterCards

These Credit cards are not familiar in USA as they are used by less number of customers.

FAQ’s

Accepted Cards

MyCCPay official site accepts only few Credit Cards as mentioned on service portal.

• First access card
• Total visa credit cards.
• Access Master card
• Mastercard Emblem
• New horizon visa card

Improve Credit Scores by using Credit Cards

Moreover, A Credit card from Visa can be very useful and become an ally or a nightmare depending on how the User handles it.

On the one hand, there are people who use Credit Card Accounts constantly, either through promotions or the financing of certain products or all the services. Again, there are those who avoid Credit cards, so as not to borrow or lose control of their finances which will Affect their Credit Score as well.

• It is advisable to set an expiration date that is close to and after the salary payment date.
• Organize expenses and control Credit cards payments through the Bank Statements.
• Try to contribute more than the minimum Payments on the date indicated in the last bank statements.
• All your Credit Cards serve as a guarantee to buy plane tickets, rent a car abroad or reserve a hotel room all over the US.
• If traveling abroad, make the trip notice abroad for the Bank to carry out the Process of monitoring credit card transactions.
• Use simple Apps like Cred, Credit One Bank Mobile, PayTm for Payment’s.
• With this means of Payment in the United States of America, Card Holders can make purchases online safely and the Payment of public services such as ANDE, COPACO, ESSAP, taxes, school fees or medical insurance through automatic debit of Credit cards which generates savings of time and the possibility of fulfilling the payment obligations contracted in time.
• Credit may be available to face an emergency. Use the Cash Advance option only in case of emergency and remember that the available credit is 30% of the line.
• In case of theft or forgery, Bank Credit Card can be turned off immediately through the mobile application.
• Request only if it can be paid. It is convenient to consolidate all debts into one and use the other cards, if any, for emergencies.
• Try to keep all the vouchers to verify them with the Bank. This way you will be able to control and manage expenses.
• If the extract is paid at a collection point, consider paying at least two days before the Payment Deadline since they enter the day after the date paid.
• Use mobile banking applications to keep track of everything that is paid with plastic. This avoids overdrafts and extraordinary charges on Credit cards.
• Know the closing dates of invoicing and the due date of the Payment of the debt.

That’s all about MyCCPay official site. Now, you have Registered an Account successfully. Altogether, Now you can manage Payments before due date which indeed improves your Credit Scores efficiently.