Apply for your Total Select Credit Card

Total Select Credit Card is a great credit card on the market. It has a low cap and low annual fees. The program fee is $89, but annual fees are $48 to $75, with an overall APR of around 8%.

There is also a high interest rate of 34.99% on purchases, as well as no rewards, although the card does come with some perks to make it more advantageous.

Multiple exclusive rates Total Select Credit Card

This card can be expensive, costing a one-time fee of $75 or annual fees for cards after the first year ($48 every 12 months). But it comes with a lot of benefits like 0% APR on purchases and cash advances, as well as bonus reward points. This card will not work at automated fuel pumps; make sure you always have some cash on hand when refilling.

New cardholders receive an initial limit of $300, which is reduced by $75 for the first year. Plus, there’s only $225 in annual fees, an expense that dwindles with each passing year. If you’re trying to get out of debt, the last thing you need is a credit card that makes matters worse.

Credit rating Total Select Credit Card

To build a healthy credit score, one thing to remember is not to exceed 30% of your limit. In other words, if you only have one card and you have $25 of credit, adding another $100 would add up to 35%.

Getting a credit limit increase from your US bank used to involve waiting for a long period of time before eligibility was granted, but not anymore! Now the banks will provide this for the next 3 months. While it’s always a good idea to see what conditions they ask of you when signing up, as not meeting those conditions could end up costing you dearly in the long run!

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CREDIT CARD

TOTAL SELECT

MINIMUM CREDIT REQUIREMENTS MOBILE BANKING NO PROGRAM FEE MANAGEABLE MONTHLY PAYMENTS

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There are many different types of credit cards out there, but they all share many similarities that make them good choices. Finding the right one really depends on what you want to do with it and how serious you are about it.