Total Select

Our review of the Total Select

# Total Select Credit Card Review

If you have damaged credit or limited credit history, the Total Select Visa Credit Card could be the solution you’ve been looking for. Issued by the Bank of Missouri, this unsecured credit card offers a lower APR than its counterpart, the Total Visa Card, no program setup fee, and the potential for a credit limit increase in as little as 12 months.

## Perfect Credit Not Required

Building or rebuilding your credit can be a challenging process, but it is achievable with the right tools. The Total Select Visa Card is designed for individuals who may not have perfect credit but are determined to improve their credit score. The application process is quick and easy, requiring only a checking account, with instant decision results.

Setting up your Total Select Visa Card account is hassle-free, with no additional program fee required. While there is an annual fee upfront for the first year, subsequent years will see a reduction in the annual fee and a monthly account servicing fee.

## Build Credit with On-Time Payments

Credit cards designed for subprime credit scores are primarily meant for building credit. The Total Select Visa Card offers a lower regular APR compared to similar cards, but it is still advisable to avoid carrying a balance. By making on-time payments and keeping credit utilization low, you can improve your credit health and potentially qualify for a credit limit increase.

## Credit Limit Increase Possible After 12 Months

Unlike many other unsecured credit cards for subprime credit, the Total Select Visa Card offers the opportunity for a credit limit increase as early as 12 months after opening an account. While a credit limit increase is not guaranteed, it is a possibility with responsible credit card use.

## Monitor Your Credit, Free of Charge

Total Select Visa Cardholders have access to complimentary credit monitoring powered by TransUnion. This service provides unlimited updates to your TransUnion Credit Report, instant alerts for credit inquiries, a Score Simulator, access to ID theft specialists, and other valuable tools.

## Other Card Features

Additional features of the Total Select Visa Card include:

• No cash advance fees for the first year
• Choice of 3 free card designs with premium designs available for a fee
• Chip-enabled card for added security

Expert reviews for the Total Select Visa Card:

## Should You Apply for the Total Select Credit Card?

The Total Select Visa Card offers a credit repair or building option with lower fees, reduced interest rates, and a potential credit limit increase within a year. However, it is essential to handle this card carefully due to its high fees and initial credit limit. With a sound payment strategy in place, you can effectively use this card to improve your credit score and advance on your credit journey.