NOT EVEN AN OFFER TO DO A SECURED CREDIT CARD!!! Didn't you notice the "late" charge and larger balance for the two months preceding July? Additionally, your credit card may be charged a non-refundable $1 fee. How can I get a Surge Credit Card cash advance? As long as you are aware of the APR and annual fee, we would consider this credit card. So far i am loving this card! Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. Duhhhhh. Other factors are also taken into consideration, such as your income, debts or overall creditworthiness. I went to buy a house and low and behold I had a late payment on credit report. They leave. DO NOT GET THIS CARD. Many cards will not be approved if charges come from or any casino run business, whether it's the casino, bar, restaurant or gift shop. Anyone else have an issue? What the credit score for surge credit card. +618 users submitted a rating without writing a full review. You can get a Surge credit card cash advance, if you have the cash advance PIN from the issuer. I've since moved, and getting the address changed and a new card shipped has been impossible. Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. Or, you can pay your Surge credit card bill by phone, at 1-800-518-6142. They try and pretend they are this amazing credit card that gives a $500 credit line to all who get approved. Ya, no thanks. Their Full Service Credit Card Program makes it possible for you to offer a turnkey, risk-free credit card program to your customers. Maintaining a low balance and paying your bill on time are great practices for … Well you did pay your bill a day late so that’s why you got the late fee and bad report to the credit bureau. It requires a $500 security deposit, which makes it the opposite of a secured card. Your {{spa_product_name_title}} credit card account can help you rebuild or improve your credit score when you make your payments on-time and you keep your balance under your credit limit. This is ridiculous!!! 1-800-556-5678.continentalfinance.net › single_card_infoSurge Card - Card Info| Contact and Detailscontinentalfinance.net › single_card_info. Sometimes, though, the process takes a bit longer and your credit card issuer will sometimes notify you a few days later via mail. I have an account with OUTSTANDING payment history and i got denied!!!!!! I would just stick to using an unsecured card from Cap One/Discover or your bank if they offer one. I was approved for a $750 credit limit with no deposit as well. I have a Surge MasterCard and I paid two days to early because I was going out of town. You name the brand, I probably have a pair or 10. is either secured or unsecured, depending on CBR info. I love this card, making payments are easy, and it's helping to rebuild our credit. The Surge Mastercard was created for people who have less than perfect credit. For example, if your Outstanding Account Balance is $200, the Program fee for that month will be $1.98 and will be automatically billed to your account on that same month’s billing statement. My husband and I filed a Chapter 13 Bankruptcy almost 2 years ago, due to a job layoff, and some other junk. I've worked for 44 years, in commercial debt recovery, and this company, is deceitful , withholding info until you are approved ( which I was) but then demands $500 deposit before my card is issued. The Surge credit card is not a secured card, so you're not required to put down a security deposit. Even though i have full available credit. How can I reach the Surge Credit Card customer service? Hard to believe that so many have come on here, to complain about being scammed. Please let us know if you notice any differences. This place is a friggin joke. Information is displayed first and foremost to help consumers make better decisions. Earn Cash Rewards every time you make a purchase - all while enjoying No Annual Fee. Guess what? The Surge Credit Card approval requirements include having at least a bad or fair credit score (300+). Founded in 2005, CFC prides itself on its corporate responsibility to customers in terms of providing three cornerstone characteristics: a strong customer support program, fair treatment, and responsible lending. MASTERCARD BENEFIT INQUIRIES. Continental Finance Company ("CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Surge card payments can also be sent by mail. like everyone else, nowhere did it say secured. As someone who works in customer service myself, I try very hard not to be critical of customer representatives, but almost everyone I've spoken to thus far has failed to assist me. I was approved for a card at the very beginning of the year, and three months later I still have yet to receive a card. The Surge Mastercard is issued by Celtic Bank and is made for limited or bad credit.When you use this card, your payment activity will be reported monthly to the three major credit bureaus, which can help you build credit.If you have less than perfect credit, you may want to apply for this card but beware the possible sky-high interest rate, monthly fees, and lack of any valuable card benefits. Scam scam scam I dk how im going to close account!!!!!!!!!!!!!! I called to activate it but I ended up declining it. out pertinent information (such as the fact that I must verify my address by mail before they can even print my new card, much less mail it), and fail to complete the tasks they tell me they are doing in real-time via the phone. Nice scam Surge has going. With 3 bureau monthly reporting and a decent initial credit limit, the Surge Mastercard® is a good card to establish credit. News flash, hackers can figure out new passwords my user name is what is compromised. You can reach the Surge Credit Card customer service at 1-866-449-4514 or from your online account. Credit has not been updated. The reason why many have or have had bad credit is because they don't understand how cards work. Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday. Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay. How long does it take to get the Surge Mastercard credit card? I paid it on the 25th and it’s due on the 24th and They charged me a late fee to my next month bill and I only paid the minimum balance and they reported my account late.. twice... and refuse to move it. I applied for this card and got approved for 500$ credit , with a 50$ deposit. I'm stuck with this card, without the $500 I need in order to open it. They state they will double your limit every time 6 payments are made on time in a row. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. Was approved and had a card inside two weeks No deposit required. While the Surge Credit Card receive average to good reviews across the web you will still want to research the card to determine if it is right for you. I didn't know they gave credit increases over 750.00 wow! Ill be paying this off and closing this card ASAP as they wont be of any help when any fraudulant charges hit my account, Traveled to Vegas and my card got declined everywhere because the allegedly the standard cardholder agreement doesnt allow Vegas. Hopefully it will come arrive soon with the covid then can give a better review about the card. Remember that cash advances are extremely expensive, so you should only take one if you absolutely need to. Don't get this card because of the ridiculous annual and monthly fees, not because you're mad you paid late and got a late fee. The issuers of the Matrix card have now introduced another card in their offerings, called Cerulean. The cancellation didn't affect my credit score because the account was only six months old (under one year in credit age doesn't move the needle) and my balance was zero (so utilization wasn't affected). With your Surge credit login credentials User Name and Password you can login to your account and access your credit card information. -The Surge Mastercard®-The Fit Mastercard®-The Matrix Mastercard®-The Cerulean Mastercard®-The Build Mastercard® FEAUTURES-A quick-view glimpse of your account overview, including your credit card balance, credit remaining for the month, your next payment due date, and a helpful notification if you are over your limit or late on a payment. If you don't, call 866-449-4514 to get it. When you use this card, your payment activity will be reported monthly to the three major credit bureaus, which can help you build credit. Main Benefits Of The SurgeREAD MORE Once you register your Surge Card online you will be able to check your account balance, make online payments and sign up for eStatements The Surge Mastercard® charges a variable 25.90% – 29.99% APR on purchases — that’s high even for starter credit cards. Certain terms, conditions and exclusions apply. I called and asked that this be removed from my credit report and they won't remove. We had cards through Continental Finance before and liked them, so I thought, "What the hell," and applied. Cerulean Credit Card Review. Needless to say, I will rather use it. So now I have a hard inquiry on my credit, assuming that it would be approved (unsecured). Also when call the toll free number in regards to a lost card please have the account number or card number. You should schedule a payment for the following month's statement if you want that month's balance paid. Why? Submit your question about Surge Mastercard® Credit Card to our community. I assume this is only a onetime thing but they might mean every 6 months when 6 payments are made on time. Potential Credit Limit Increase After Just 6 Months You may be eligible for … !DONT WASTE YOUR TIME!!!!!!!!!!! How do I check the status of my surge credit card? I Appreciate the professional way they allow me to rebuild my credit or at least try, I did A pre-approval and then applied. Oh, and even if the merchant verifies they wont make an exception. Using your outdated browser will prevent you from accessing many features on our website. It's hard to read every part of the fine print for each card as you try over and over to apply for one that will accept your limited credit history. This is beyond ridiculous and frustrating for someone who needs immediate help. Furthermore, offers have not been reviewed or approved by the offering institution. The card is issued by the Celtic Bank. If you are interested in the Surge Mastercard® Credit Card, check out the following credit cards as well: Surge Mastercard® Credit Card is related to the following categories: Don't see what you're looking for? What a. That’s why you got the late fee and bad report to your credit bureau. Every time i call it says transferring my call and hangs up on me. I've been there. The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax. How do I check my Surge Credit Card application status? They said you can't use your card for gambling and even though none of that is gambling, they lump it all together because they say they cant tell what is and what isnt. You can submit a Surge credit card payment from your account online. Once I started getting better card offers, I dumped them. What are the Surge Credit Card approval requirements? You're automatically billed $99 and then $10 every month your account is open, whether you use the card or not. Yes. To check your Surge Credit Card application status, call the issuer's customer service department at 866-449-4514. Wallethub doesn’t charge for this service. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. For security reasons, new cards and reissued credit cards can only be activated over the phone. Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. Same here paid 12/2/2020 and still waiting for them to make available. Mail a check, along with the payment coupon from your monthly statement, to: Surge Card, P.O. However, in most cases, you can expect a decision almost immediately right through the website, with a letter to follow within a few days. However, all credit card information is presented without warranty. Bottom line, their customer service is atrocious. and policies) and the pain from which it comes. Cards are issued by Celtic Bank and serviced by Continental Finance Company. When contacting Continental Finance via fax please include your full name and mailing address. !Been trying to log on to the online pay portal to make monthly payment for the last week,and the page is still down going on a week now!!! 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 25.9% - 29.99% (V) regular APR. I just received the card in the mail. Payment and then made a payment a couple days later now its been 7 days and avail. Pay over the phone 12/2, account debited 12/4 waited 7 days and still counting for credit availability!! Refer to your issuing bank for complete benefit coverage terms and conditions or call Mastercard (0800-96-4767) for assistance. This company sucks I give them a 0 STAR PLUS i WILL BE CLOSING MY ACCOUNT. Johnny Rockets burgers, declined. Turn your everyday purchases into 2% cash back* with the PayPal Cashback Mastercard ®. If you have good to great credit check out these credit card reviews: PhoneAutomated Account Information. I asked them to simply remove the inquiry since had I known, in advance they would pull a hard CBR AND it could be a secured card (vs. unsecured card), I never would have applied. Duhhhhhh, Well you did pay your bill a day late. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered. WalletHub is an independent comparison service. Write full review I was given a $750 credit limit and only required to pay $125 fee to open. Surge credit card really bad you make a payment even if it clears your bank they make you wait to put you available balance stay away. Last updated on: December 4th, 2020 at 14:32, Offer last updated: Dec 4th, 2020 at 14:32 ET. I can see a $39 annual fee but anything more then that is ridiculous, and any card that charges a monthly fee just avoid them. Enter your cell phone number and we’ll send you a link to install the WalletHub app. I wanted to change my user name because i was receiving emails that my identity was being comprised on various sites. Log in to learn more about ExtraCredit. Cards are issued by Celtic Bank and serviced by Continental Finance Company. Now. If you do decide to apply for the Surge Mastercard® and you’re approved, we recommend that you don’t carry a balance. There is no online tool to check your application status. Don't get this card. at the issuer's secure website. $10.00 per month starting the second year, waived for those with a $750 credit limit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit! Before submitting an application, always verify all terms and conditions with the offering institution. Share your insights and review the Surge Mastercard® Credit Card. Apply Now† You must have an account with PayPal in order to apply for a PayPal Cashback Mastercard account. Login Enjoy 24/7 Account Access, pay bills online, view your transaction history and review online statements. It takes 2 weeks at most to have your Surge Mastercard credit card in the mail. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). Security All information you provide to us on our web site is encrypted to ensure your privacy and security. 1-866-449-4514.Customer Service. for your Credit Report. I assume you didn't pay April's bill because that second payment was toward that month but.......what happened to May and June's payments if it was reported late in July? 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. The Surge Mastercard® Credit Card is a legit credit card for people with bad credit, not a scam. CardRates.com does not include all credit card companies or all available credit card offers. To check your Surge Credit Card application status, call the issuer's customer service department at 866-449-4514. Hotel security deposit, declined. rebuild my credit after chapter 7 but getting these types of cards are a huge risk that I am not willing to take. I cannot use my card at all. Standard message rates apply. The Surge Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. 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