Who This Card Is Good For
The Surge Mastercard® should be considered only after youve reviewed other options on the market. Compare offers for cards for poor credit or secured credit cards on Credit Karma to start. If youre not sold after researching your other options, the Surge Mastercard® could be an option to consider and could help you build credit in the short term.
If youre able to build your credit, applying for a more user-friendly card down the road could give you opportunities to earn rewards at a lower interest rate.
How To Pay For Surge Credit Card
You only need to follow the procedures described below to make your Surge Credit Card Payment.
The first step in making a Surge Credit Card Payment is to visit CNA Financials online website. It has already been provided with a link. Youll need to connect to your account online after youve arrived. Now select the payment tab and proceed further.
Log in to your online account by filling in your log-in details. You would be logged into your internet account using this method. Once youve completed this step, youll have completed half of the Surge Credit Card Payment procedure.
Go to the payments section of your profile once youve logged in. There, you may choose the payment method you want to use. As a result, you may make the Surge Credit Card Payment online via your profile using this method.
Another alternative for making credit cards by payment is via phone. You can contact the customer service number and make payments for your credit card easily.
Customer Service Number for Payment
If you are not comfortable in making payments via phone or online, you can also use the medium of mail to your credit card payment to
Surge Card, P.O. Box 6812
Rates And Fees For Td Cash Secured Credit Card
|Rates and fees|
|Annual Percentage Rate for Purchases||22.99% variable APR|
|$5 or 3% of transfer whichever amount is greater|
|Minimum Interest Charge|
|$10 or 5% of advance whichever amount is greater|
|3% of each transaction in U.S. dollars|
|Up to $40|
Need more information?
Why You Can Trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you’re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
How To Recover Surge Credit Card Login Details
It is no shock or surprise that most of us easily forget our passwords. Moreover, it is a natural thing. However, there is no need to worry. Surge credit card provides a very handy way to recover your login details. Here are the topmost steps on how to recover your username or password:
- Go to the webpage yourcreditcardinfo.com
- Under the login button, you will see the Forget Username or Password button on this page.
- Once verified, you will get your credentials back in a matter of few seconds.
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Prerequisites For Surgecardinfo Online Account
- An Electronic Device
For this, SurgeCardInfo, every user must have an electronic device capableof accessing internet. The device can be a laptop, a Pc or a mobile phone.Every device has its own strengths and lacks. So this entirely depends on theusers choice. The employee can choose accordingly and can have access tohis/her SurgeCardInfo account with the deviceof his own choice.
- Good and Secure Internet Connection
The userwill be asked to provide some personal information. As such, they are advisedto use a secure internet connection when they are logging into their registeredaccount. Moreover, good internet speed will help you to finish this faster thattoo without any delay.
- Valid Email Address
The lastthing you should prepare before starting is a valid email address. During thelogin process, the site will ask you to enter your email. You should not worrysince they will not share your email with other parties. In fact, they will useyour email to send the important information.
Surge Mastercard Credit Card Vs Indigo Platinum Mastercard
These two unsecured credit cards similar except for the annual fee. Where the Surge may charge you a high annual fee in the first year , the Indigo® Platinum Mastercard® comes with a set $0-$99 annual fee every year ranging from $0-$99 depending on your creditworthiness. Since both are unsecured credit cards, no cash deposit is required in exchange for a line of credit.
Despite the high annual fees, each card accepts applicants with poor credit. Since both cards report your credit activity on a monthly basis to the major bureaus, either can be a useful tool for those who need to revamp their creditassuming you are never late on a payment. But know that there are better options without any annual or other unnecessary fees.
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How To Get A Credit Limit Increase Without Asking
- Always pay your bill on time
- Try to pay your bill in full if possible
- Use only a portion of your credit limit
- Update your income with the credit card company
- Keep your credit card account open for a minimum of six months
- Pay down the debt you owe
This guide and its editorial content explain how to apply for a , provide tips for getting that increase and offer insight on ways to raise your credit score.
Getting a credit limit increase is amazing. Its the kind of experience that feels like getting a promotion at work or better yet, a raise.
An increase to your available credit is a watershed moment in your credit history, more so if youre rebuilding a bad credit score or you are brand new to having a credit card.
An increase to your credit limit is both a warm, fuzzy feeling and a key indicator that you are responsible with your credit spending.
A bigger credit limit vastly improves your purchasing power. But thats just one of the advantages obtained when you increase your limit. A higher limit can have a positive impact on your credit score, as well as long as you maintain a healthy .
Something important to know about your credit card is that thirty percent of your credit score from the three major credit bureaus gets calculated based on your level of debt.
That means if you raise your credit limit and keep your debt the same or pay some of it down, you automatically get a higher credit score.
Keep Credit Utilization Low
Another factor to consider is , you really want to keep this under 3% of total credit if you can but try to never get it over 15%.
For example: If your Surge credit card has a $300 limit try to not spend over $45.Spending $60 on a $300 card limit means that you are utilizing around 20% of your credit on that card. That is above the recommended credit utilization percentage, so be mindful of how much you spend.
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Create Surge Credit Card Online Account To Make Your Payments
Screenshot from https://continentalfinance.net/
To make your payments online, you need a Surge credit card account. Heres how
- Visit the Continent Finance homepage
- Click on Menu on the top right of your screen.
- Hit the Online Payments button on the sidebar that appears.
- Navigate through the cards and select Surge Card.
- Click on the Login button on the menu.
- Click on the Register now link right below the Forgot Username or Password link.
- Enter the following details on the registration form
- The last four digits of your credit card.
- The Last four digits of your Social Security Number.
- A 5-digit Zip Code.
Extra Tip: Increase Your Security Deposit
Some credit cards are called secured. A secured credit card requires a cash security deposit and this, in turn, reduces the risk to the issuer.
So one sure-fire way to increase your limit, if you have a secured credit card, is to pay more towards your security deposit. To do so, the best bet is to contact customer service and have them provide the proper steps to do this. Each credit card issuer has a slightly different process.
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What Is A Balance Transfer
Balance transfers are a great option for individuals looking to move existing debt from one card to another that has a lower interest rate and other financial incentives. Many people will opt for a card where they can get the most perks and other financial benefits, like cash back on everyday spending and better rewards programs. A balance transfer is exactly what it sounds like: Your balance on one card will be transferred to another for a fee. Before deciding to go this route, do the math. Oftentimes, with fees and reduced interest rates, you may end up paying something similar to what you owed before. There are also several other pros and cons to be aware of.
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How Soon Is A Credit Limit Increase Decision Made
If your credit card account is in good standing and you can demonstrate that you have enough income to handle a higher credit limit, many times youll find out immediately if your request was approved. Sometimes, though, the process takes a bit longer and your credit card issuer will sometimes notify you a few days later via mail.
Register Or Access Surgecardinfocom Account
SurgeCardInfo.com allows customers to register an account online or access an account that has already been created.
In order to receive a Surge Credit Card, you must be 18 years of age or older and a legal resident of the U.S.
- Once you register your Surge Card online, you will be able to check your account balance, make online payments, and sign up for eStatements
- E-Statements are the fastest and most efficient way for you to manage your credit card account
- E-Statements are ONLY available to Surge Card customers who register their card online
- If you cant remember your username or password, you can click on Forgot User Name/Password for assistance or you can access your account by re-registering with your credit card number
Surge Credit Card Customer Service
- Continental Finance Card Info Website, or how to access and use it, contact them at 1-866-449-4514
- Also, call toll-free 1-866-449-4514 for a lost card or questions about account transactions
- Fax? Contact the SurgeCardInfo.com Customer Relations Department by fax at 302-454-7952
When contacting Continental Finance via fax please include your full name and mailing address.
Also when calling the toll-free number in regards to a lost card, please have the account number or card number.
Surge Credit Card Reviews
- badcredit.org: 4.7 out of 5 by author
- cardrates.com: 3.2 out of 5 by author
- cardcruncher.com: 2.5 out of 5 by author
As a result here is the final verdict
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Making Timely Payments With Your Surge Credit Card
Surge Credit Card Here is Everything You Need to Know About Surge credit card and how it works. This also involves how to use them for payments.
The Surge Mastercard® credit card is a legitimate credit card for people who have a bad credit, it is not fraud. It helps you to build your credit and It reports to the three major credit bureaus each month which then allow this by cardholders to create better credit as long as they make payment on time and use only part of their credit limit.
Many people often wonder if the surge credit card is a scam. Well, you cant blame them for real because many have had issues with certain financial institutions that look very real. The Surge MasterCard Credit card is never Scam it is a reliable card that is designed for anyone with a bad credit score. The only concern with the card is that its fees are quite high for $125 charged in the first year and then $96 in the subsequent years. It also has a high APR of 29.99%.
Pros & Cons Of Surge Credit Card
- The card is available to customers with poor or fair credit scores.
- The prequalification and approval process for the credit card is quick and easy.
- There is the opportunity to increase your credit limit after as little as 6 months after opening the account.
- It allows the opportunity to build credit without taking out a secured credit card. Since it’s an unsecured credit card, no security deposit is required to receive a credit limit.
- The Surge card offers a 25-day grace period to pay off your statement balance after closing the last billing cycle without interest charges.
- CFC provides a mobile app that cardholders can use to make payments, monitor account activity, and more.
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Surge Mastercard Credit Card Vs Credit One Bank Platinum Rewards Visa
Both of these cards are geared towards customers with poor credit. What differentiates the from the Surge Mastercard® is the former earns cash back rewards. Credit One Bank Unsecured Visa cardholders can earn 1% cash back on eligible gas, grocery and telecommunication purchases, which include internet, cellphone, cable and satellite TV services.
You can expect the same added benefits on both cards . Like the Surge card, Credit One Bank Unsecured Visa also charges between $95 in annual fees, which can be confusing because you wont know until youre approved what your exact terms are. Again, these cards are best as a last resort. There are better options available.
Surge Mastercard Application Process
The Surge Mastercard® offers a fast, easy, and secure application process. You can see if you prequalify for an account in under a minute. Theres no credit check to check your prequalification status, so this is a great way to see if you can open an account without risking a check showing on your credit record.
The application asks for basic personal information, such as your name, address, and Social Security number. Youll also be asked about your monthly income, whether youre employed, and if you have another active account at this time.
The Surge Mastercard® application site is a secure, safe page online. Your personal information is protected at all times using 128-bit digital encryption.
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Is Surge Credit Card A Secured Card
Surge credit cardcardsecured cardsecured cardWalletHub’s Best Credit Cards for Bad Credit of 2020:
- Capital One® Secured Mastercard® No Annual Fee.
- Discover it® Secured Secured.
- Wells Fargo Secured Credit Card No Annual Fee.
- Indigo® Mastercard® for Less than Perfect Credit Bad to Fair Credit.
Multiple Fees May Add Up
The Surge Mastercard® can help you achieve your goal of building or rebuilding your credit history, but the cost of having the card may not be worth it versus other cards that can do the same.
For starters, the card charges an annual fee of $75 – $99, depending on your creditworthiness. While an annual fee on a credit card for bad credit isn’t unusual, this one is a bit steep, and there are plenty of other options that charge no annual fee at all.
In addition to an annual fee, the card also charges a monthly maintenance fee, which can range from $0 to $10, depending on your creditworthiness. While the fee isn’t assessed during your first year with the account, it can cost you as much as $120 a year after that, increasing your yearly cost to as much as $219. Most credit cards, including bad-credit options, don’t charge a monthly fee.
You’ll also pay a one-time $30 fee for each additional card you want on the account, so keep that in mind if you want to add an authorized user.
The card also charges a cash advance fee and a foreign transaction fee, but these are fairly standard.
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