Tuesday, September 27, 2022

What Is Surge Credit Card

Don't Miss

Surge Mastercard Credit Card Vs Indigo Platinum Mastercard

What credit card spending surge means for the economy

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.

Easiest Credit Card To Get Continental Finance Company

http://www.continentalfinance.net/

Cards are issued by The Bank of Missouri and serviced by Continental Finance Company. Reflex and Surge – Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. Cards are issued by Celtic Bank and serviced by Continental Finance Company.

Status: Online

Surge Credit Card Benefits

1 Online accounting access of services is allowed 24 hours a day.

2 Increase credit card limit: After only 6 months, you may well be qualified for your first credit limit rise. Obtaining a credit limit boost is a big step in the right direction if youre attempting to improve your credit.

You might benefit from increased purchasing power, a reduced credit usage rate, and the possibility of improving your credit score.

3 No Fraud Liability: You will not be held liable for illegal expenditures on your Surge credit card if you have $0 Fraud Liability. You are now only liable for transactions that you complete with 0% fraud liability since you can buy with security and know that your card activities are entirely secured.

Read Also: Should You Pay Credit Card In Full

Manage Your Marvel Credit Card Account

https://www.synchronycredit.com/eSecurity/Login/login.action?clientId=marvel& accountType=dualcard& langId=en

For security, when you choose “Continue,” we will send you a one-time, numeric passcode by phone or text. Enter the code on the next screen. Standard text messaging and phone rates may apply.

Status: Online

Why Choose The Surge Card

Surge Mastercard

For people that prefer keeping money in their pocket or cant afford to put down a security deposit, Surge Mastercard® is more attractive than a secured credit card to rebuild credit. Plus, they offer a $300 $1000 credit limit depending on your creditworthiness.

While there are many benefits with the Surge Mastercard® credit card, expect the rates to be on the high side. For example, the Surge Mastercard® charges a Regular APR of 24.99% 29.99% .

If you decide to apply for the Surge Mastercard® and youre approved, we recommend that you dont carry a balance. Make small charges to the card for gas, lunch or groceries, then pay the bill in full. The interest charges on even a few dollars carried over from month to month can accumulate quickly at this high rate.

Because there is a 25-day grace period from the close of your last billing cycle, you can pay off your statement balance without interest charges.

You May Like: Cabelas Credit Card Review

Surge Credit Card Reviews

Accepts ALL credit? lol They said I didn’t have enough credit! HELLO,that’s why I applied! Trying to build credit.I was turned down immediately.Just because I pay with my debit card or cash.I guess it doesn’t pay if you don’t have debt. It’s a conundrum.

Great card to build credit I have been using it for 6 years starting with $300 credit line now $2000 is $ 99 per year plus $10 per month $220 total but I am grateful

WalletHub is an independent comparison service.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click “Apply Now” you will be directed to the offering institution’s website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant’s’ creditworthiness and differences between an individual’s situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as Sponsored at the top of this page. Advertising may impact how and where offers appear on this site . At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Surge Mastercard Rates And Fees

Heres the breakdown of all the fees and interest charges that come with Surge credit card:

  • Interest rate: 24.99% 29.99% variable APR
  • Cash advance interest rate: 24.99% 29.99% variable APR
  • Minimum interest charge: None
See if youre Pre-Qualified with no impact to your credit score
Up to $1,000 credit limit doubles up to $2,000!
Free access to your Vantage 3.0 score from Experian
Monthly reporting to the three major credit bureaus
Fast and easy application process
Mastercard Zero Fraud Liability Protection

Also Check: Valero Self Serve

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.

Other Options To Consider For Bad Credit

Surge Credit Card Review – Unsecured Mastercard for Bad Credit

The main reasons to consider a card other than the Surge of Reflex include:

  • Potentially high annual fees
  • Higher-than-average variable APR

Both the Surge and Reflex Cards charge an annual fee. Annual fees are standard with unsecured cards for bad credit, but those with no credit or very poor credit might pay a costly yearly fee. Other cards, like the Total Visa from The Bank of Missouri, charge slightly lower annual fees.

Total Visa® Unsecured Credit Card

Reports Monthly to All Three Major Credit Bureaus

  • Regular Purchase APRSee Terms
  • Cash Advance APRSee Terms
  • Annual FeeSee Terms
  • Fast and easy application process response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit
  • Multiple card designs available
  • Offer not guaranteed response provided in seconds.
  • Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment.
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms

Save $25 in the US with 1-800-GOT-JUNK? Get an exclusive upgrade to BarkBox for FREE. Save $50 of orders $350 or more at Citizen Watch Same-day delivery from a variety of stores you love.

Also Check: Comenity Bank Ulta Mastercard

Requirements For A Surge Credit Card Credit Line Increase

  • Keep your account open for at least six months.
  • Make at least minimum monthly payments.
  • Pay your credit card bill on time.
  • Keep your balance under the credit limit.
  • Have enough income to afford minimum payments for a higher credit limit.

For the best shot at getting a credit limit increase offer, keep your income information up to date and maintain a good payment history.

You can also request a review of your account any time by calling customer service at 1-866-449-4514.

What are the Surge Credit Card approval requirements?

The Surge Credit Card approval requirements include having at least a bad or fair credit score . Other factors are also taken into consideration, such as your income, debts or overall creditworthiness.

If you apply, you could receive a decision in just a few seconds. But it could also take up to 30 days for Celtic Bank to verify your identity or eligibility.read full answer

The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax.

But you should keep in mind, that it comes with pretty high fees: $75 – $99 annual fee, up to $10 monthly fee starting the second year and 24.99% – 29.99% regular APR.

Is a $10,000 credit limit good?

Yes a $10,000 credit limit is good for a credit card. Most credit card offers have much lower minimum credit limits than that, since $10,000 credit limits are generally for people with excellent credit scores and high income.

Online And Mobile Banking

Once you get your Surge Mastercard®, youll be able to use Celtic Banks credit tools and resources, including its online management system and mobile banking. The Surge Mastercard® app is available for Android and iOS devices.

Using those online and mobile banking tools, you can check your account anytime you want, review your monthly statements, and stay up to date with all upcoming payments.

Recommended Reading: How To Pay Best Buy Credit Card On App

Surge Mastercard Credit Card Vs Citi Secured Mastercard

The Citi® Secured Mastercard® is also for customers looking to build a strong credit score, just as the Surge But unlike the Surge Mastercard®, Citis Secured Mastercard requires a security deposit is required upon card approval.

The credit limit is determined by the deposit amount you make, from a minimum of $200 up to a maximum of $2,500 in $100 increments. If you pay your credit balance on time each month, Citi may even return your initial deposit and upgrade you to an unsecured credit card.

Another major difference between the two: The Citi® Secured Mastercard® is issued by the third-largest credit issuer in the world, Citibank. Cardholders of the Citi® Secured Mastercard® will be able to establish a relationship with Citibank which may help their case for a stronger credit card from Citi as their credit improves.

Although this card earns no rewards, it comes without an annual fee which gives it an edge over competitors.

But The Fees Can Cut Into It

Surge Credit Card Login Guide

It may appear at first glance that the Surge Mastercard offers a higher credit limit with less money down than a secured credit card, and in some cases that is true. But assuming you qualify for a low credit limit, the annual fee and possible monthly maintenance fees will initially occupy a sizable chunk of it. If, say, you have a credit limit of $300, an annual fee of $99 would leave you with an available credit limit of $201. That initial credit limit may be even lower once any maintenance fees are assessed.

For a flexible spending limit, consider: The Tomo Card can offer a high spending limit, but you cant carry a balance from month to month as is the case with traditional credit cards. Balances have to be paid off quickly. In a way, it keeps debt at bay. You pay no security deposit, no fees and zero interest. Plus, theres no credit check to apply. Instead of costing you anything, the card delivers value in the form of rewards by earning 1% back on all purchases. Credit card options for bad credit with a generous credit limit run scarce, unless youre willing to pay steep fees upfront, and that sort of defeats the purpose. The most affordable option when you have bad credit is to focus on the health of your credit so that you can qualify for better options later on.

» MORE:See NerdWallets best credit cards for bad credit

Don’t Miss: How To Pay Best Buy Credit Card On App

Secured Or Unsecured Card

Both options are available but the choosing criteria specifics for the one youll be offered is not publicly disclosed.

You can apply for the unsecured version but be offered the secured one instead, failed applications for the unsecured version will typically require a security deposit between $50 and $500.

Ultimately, the one youll be offered will depend on your creditworthiness and several other factors reviewed during your application.

Surge Credit Card Log In Guidelines

You can log into your SurgeCardInfo account after successfully registering. Ensure that the credentials you created when registering are available before logging in. Here are the steps to log in:

Step 1: Log in to SurgeCardInfo by Visiting the official website at the address: www.surgecardinfo.com.

Step 2: Enter your username and password in the respective fields.

Step 3: Click Submit to log into your account.

The I forgot my username or I forgot my password links, located at the bottom of the Login page, can be used by users who are unable to remember their login details.

Surges Mastercard is an excellent choice for those who are taking out their first loan or who wish to improve their credit report by using it responsibly. Online registration of your Surge card allows you to check your account balance, make online payments, and receive electronic statements. Although there are no rewards for purchases, this is a viable credit card option for customers seeking to build credit and increase purchasing power.

Don’t Miss: Webbank Gettington Credit Account Reviews

Surge Mastercard Credit Card Review: Good Financing For Bad Credit

In grade school, one of the worst conditions a kid could imagine contracting wasnt a cold, or the flu, or even the plague it was cooties. However fictional they may be, once you were deemed to have cooties, you were persona non grata on the playground.

While most of us become immune to cooties after puberty, adults have something far worse to worry about: bad credit. Once you have it, few creditors want to get near you and your financial risk. And it takes a lot more than a properly rhymed cootie shot to get your credit back on track.

One credit card popular with consumers working to rebuild after coming down with a case of bad credit is the Surge Mastercard®. A subprime card option, the Surge Mastercard® welcomes applicants of all credit types. In this article, well offer our Surge credit card review that covers some of the ins and outs of the card. Well also take a look at what others are saying about the card and explore some alternative cards.

| | |

Should You Apply For The Surge Mastercard

Surge Credit Card Review

The Surge Mastercard from Celtic Bank can be a great match if you need to build or improve your credit due to having fair or poor credit. While there are fees and a higher-than-average APR with this card, these features are standard with many credit cards for consumers with little to no credit.

The ability to pre-qualify makes it easy and quick to know ahead of time whether you will be approved, and the fact that it does not impact your credit score makes it even better. Plus, the available tools including free credit limit increases, sending your activity to credit reporting bureaus, and free credit score access give a helping hand in increasing your credit faster and with more peace of mind.

You May Like: Cabela’s Mastercard

Benefits Of Surge Credit Card

The following are some of the advantages of the Surge Credit Card:

  • You can use it to handle your online payments.
  • These cards are incredibly simple to use.
  • Surges official mobile app allows you to manage it.
  • Your online account can be accessed at any time, on any day.
  • Youll get a monthly report on your credit card spending, as well as tips on how to save money. As a result, you can use that report to keep track of your credit card balance.

Is The Card For You

The Surge Mastercard® Credit Card is those that need to establish credit for the first time or improve their credit profile through responsibly card use. Though it doesnt offer any rewards for purchases, it is a viable credit card option for customers seeking to achieve more spending power and build their credit.

Consumers should note that the Surge Mastercard® has a high annual fee in the first year of card membership and a steep APR, making it critically important for cardholders to make on-time payments in full each month. With plenty of competition in the subprime credit card market, it may be worth considering other unsecured or secured credit cards with lower rates and fees.

Don’t Miss: How To Check Cabela’s Gift Card Balance

Optional Continentalcredit Protection Important Disclosures

hereDefinitions:

  • Account Your Mastercard® credit card account.
  • Benefit Activation Period The period of time fromthe date Your Benefit Activation Form and requireddocumentation as outlined in the table below, is received,reviewed and approved by CONTINENTAL CREDIT PROTECTION untilBenefits under the particular Benefit Activation are exhaustedor terminated. When you submit a Benefit Activation Form forthe Program and that form is accepted, CONTINENTAL CREDITPROTECTION provides a Benefit that goes back to the date thatthe Covered Event began.
  • Benefit Activation Form The form you are required tocomplete and submit to activate Benefits under the Program.
  • Covered Event Loss of Life, Job Loss, Disability andHospitalization.
  • Minimum Payment Due The amount due on your Accountas noted on Your Monthly Billing Statement under MinimumPayment Due
  • You or Your The primary cardholder on the Account.
  • Surge Mastercard Credit Card Details

    Surge Mastercard

    The Surge Mastercard® credit card features a fast and easy application process. Surge Mastercard® allows you to prequalify and see if your application will be approved. Theres no credit check necessary to prequalify, so you can learn about your approval chances without any negative impact on your credit score.

    Your Surge Mastercard® is widely accepted. You can feel confident when shopping thanks to the included 0% liability guarantee, which promises that youre never responsible for unauthorized purchases.

    Depending on your credit, the Surge Mastercard® offers an APR between 24.99% and 29.99%. This APR applies both to purchases and to cash advances. The account has no minimum interest charge, and you arent responsible for any interest if you pay your entire balance by your monthly due date. Regular payments are a great way to improve your credit, so if you make each months payment on time, you can build your credit score while saving on charges.

    The Surge Mastercard® does include some fees. Youll pay between an annual fee of between $75 and $99 on your first year with the account, and then $99 each following year. There is a $10 monthly maintenance fee which is waived your first year. Youre also responsible for a one-time new card fee of $30.

    Recommended Reading: Lowesvisacredit.com Home Page

    More articles

    Popular Articles