Getsurgecardnow (2024)

FAQs

Is a surge credit card easy to get approved? ›

You can get the Surge Credit Card with a credit score of 300 or higher. The Surge Credit Card is available to people with bad credit, so you can still qualify even after making mistakes or damaging your credit score.

Benefits and perks

After at least six months of on-time minimum monthly payments, your limit can be doubled, which helps to lower your credit utilization ratio. Accounts are reviewed periodically after that for potential increases, according to Continental Finance, up to a maximum credit limit of $4,000.

Is the Surge Mastercard credit card legit? The Surge® Platinum Mastercard® is a legitimate credit card for people with bad credit. The Surge Card is offered by Celtic Bank and serviced by Continental Finance, which report account information to the major credit bureaus monthly, like with any other major credit card.

Yes, the Surge Credit Card does a hard pull on your credit when you apply. You can check if you pre-qualify for the Surge Credit Card on their website first with only a soft pull, which does not affect your credit score, so you'll know if it's worthwhile to apply and add the hard inquiry to your credit report.

You can get a credit card with bad credit by applying for a secured credit card or an unsecured credit card for bad credit. Secured cards require a security deposit but have lenient credit score requirements making them accessible even if you have bad credit.

Knowing your credit score and maintaining a low credit utilization ratio can greatly increase your chance of approval for a credit card. You'll find many cards designed for different credit score ranges. Narrow down choices to those that you're positioned to be approved for.

Celtic Bank, issuer of the Surge credit card, accepts applicants with less than perfect credit. As the servicer for the Surge credit card, Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

No, you cannot use your Surge Credit Card instantly after approval. You'll have to wait for the card to arrive in the mail to activate it first. Only after activation will you be able to use it for purchases. Your new Surge Credit Card should be delivered within 7-10 business days of your approval.

The maximum credit limit for the Surge® Platinum Mastercard® is $2,000. The Surge Mastercard gives you an initial credit limit of $300 to $1,000 when you're approved, and you could get your limit doubled up to the $2,000 maximum after making your first six monthly payments on time.

It's important to note that a Surge Credit Card cash advance is a very expensive transaction. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may be ATM-owner fees, too. This answer was last updated on 03/11/24 and it was first published on 04/06/22.

Can I pay my surge credit card with a debit card? ›

You can pay your Surge Credit Card with a debit card by signing in to your online banking account or through the CFC Mobile Access app for iOS and Android. Debit card payments are also accepted via phone at (800) 518-6142, but please keep in mind that you will be charged $10.95 for each transaction.

The Surge Platinum credit card comes with an annual fee that ranges from $75 to $125. There are monthly maintenance fees too, totaling up to $150 per year ($12.50 billed monthly). These monthly fees are waived for the first year your account is open.

Reports to all three credit bureaus.

Payments to your Surge Mastercard are reported to all three major credit bureaus (Experian, Transunion and Equifax). This ensures you can build your credit as quickly as possible, with all major credit reports reflecting your newly established payment history.

Fill out the easy application form with your personal and financial information. Review and accept the cardholder agreement. Wait for a decision on your application. If approved, you'll receive your new Surge credit card in the mail within 7-10 business days.