On the complaint record, TomoCredit scores higher (50/100 against 45): it answered 97.8% on time and gave relief in 0% of closed complaints, against 96.8% and 0% for Total Card.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Check the record before you sign.
Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.
Which would you choose?
No comments yet. Start the conversation - questions are welcome too.