The Total Select Visa Credit Card is a great alternative for anyone with poor credit. They can use this card without making a deposit, unlike secured credit cards.
Total Select
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Anyone with bad or nonexistent credit can secure a fresh start with this card. You don’t need to put down a deposit and can apply with limited or poor credit.
The Total Select Visa Card was created to help people with poor credit scores start improving their credit history.
The Total Select Visa account reports account activity to major credit bureaus and provide a $300 line of credit with no deposit required.
Within 60 seconds of applying, you will receive a response regarding your application. If approved, you will receive your card in the mail and be able to use it once you pay the program fee and activate the card.
No matter where they live, anyone can apply for this credit card without a minimum credit rating.
Learn more about Total Select Visa Card
The Total Select Visa card provides helpful advice for anyone who dislikes the idea of getting a secured credit card.
The Total Select Visa card reports to all three credit bureaus; this can help you build credit by using your card regularly and paying bills on time. Plus, there is no need to pay any cash to receive a large credit limit; instead, you can use the card with confidence.
In the first year as a cardholder, there are no fees for cash advances. After the first year, paying a cash advance fee is necessary; this can be done at a point of sale, ATM, or bank. The fee is $10 or 3% of each cash advance amount— whichever is greater. However, the interest charged on the money withdrawn will still apply.
Other Benefits of the Card
- Does not require a security deposit
- Manage and automate monthly payments
- Accepted at US merchants and online, anywhere that accepts Visa
- Reports monthly to the three main credit agencies: TransUnion, Experian, and Equifax
- TransUnion free credit monitoring
- Choose your card design
- $300 credit limit (subject to available credit)
- Car Rental Insurance
- Zero Fraud Liability
Applying for a Total Select Visa Credit Card: A Step-by-Step Guide
Applying for a Total Select Visa Credit Card is a straightforward process designed for ease and convenience. This guide provides a step-by-step approach, ensuring your application is successful and stress-free.
- Step 1: Eligibility Check
Before you start, ensure you meet the basic criteria for the Total Select Visa Card. Generally, applicants must be at least 18 years old, have a valid government-issued ID, and possess a stable income source.
- Step 2: Research and Understand Terms
Visit the Total Select Visa website to familiarize yourself with the card’s features, benefits, interest rates, and fees. Understanding these details helps you make an informed decision and manage your finances effectively.
- Step 3: Gather Necessary Information
Prepare essential documents and information such as your Social Security number, employment details, and financial information. This preparation streamlines the application process.
- Step 4: Online Application
Navigate to the Total Select Visa application page. The website is user-friendly, guiding you through each step. Fill in the required fields with accurate information to avoid delays.
- Step 5: Review and Submit
Before submitting, review your application for accuracy. Correct any errors and double-check your details. Once satisfied, submit your application.
- Step 6: Await Approval
After submission, you’ll typically receive a response within a few business days. During this time, the issuer will assess your creditworthiness and other factors.
- Step 7: Follow Up
If approved, you’ll receive your Total Select Visa Credit Card by mail. If there’s a delay or if you’re not approved, contact customer service for assistance.
Applying for the Total Select Visa Credit Card is simple and user-friendly. By following these steps and being thorough with your application, you’re well on your way to enjoying the benefits of this versatile credit card.
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