And to have a better shot at a credit line increase, it’s best if you pay your entire monthly bill, use under 30% of your current credit limit and keep your income up to date. 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 credit—assuming you are never late on a payment.
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- You can get a credit limit between $300 and $1,000 with the Surge Platinum credit card, with no security deposit required.
- Surge Credit Card is a product of the Continental Finance Company and offers this credit card in partnership with Celtic Bank a popular lender in the United States.
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- If, say, you have a credit limit of $300, an annual fee of $99 would leave you with an available credit limit of $201.
Surge in Celtic Bank Shares For customers with limited or poor credit, Mastercards are the best option. It is possible to establish credit by reporting your monthly payment activity to the three major credit reporting agencies. For most people with bad credit a low-fee secured card is the best credit card option. There are other ways to establish your credit from scratch, improve your credit score, or rebuild damaged credit. The Surge Mastercard® is an unsecured card that allows people with poor credit to obtain a credit card without having to make a deposit. Keep in mind, though, that getting too many credit cards in a short amount of time can damage your score.
You need a return envelope and remittance slip that comes with your paper statement. Remove the remittance slip from the statement and fill out the required information. Put your check or money order and this remittance slip in the envelope and send a Mail. If there is no address then you can Mail your envelope to the below-mentioned address. The mobile app is also available to manage your account through a smartphone.
But with Surge Mastercard, you can qualify for an unsecured credit card with a line of credit from $300 to $1,000. The Surge Platinum credit card has an annual fee of $75 to $99, which is quite steep for a credit-building credit card. Other credit-building cards come with no monthly maintenance fees. The Surge® Platinum Mastercard® can help you achieve your goal of improving your credit history, but it will cost you. The card could come with a high annual fee, depending on your creditworthiness.
Also, many clients mention they’ve succeeded in rebuilding their credit scores in a very short time. 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. Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. We are not a bank or a credit card issuer, and we do not have access to your account information. Because of the fast rise in the use of credit cards, many consumers are happy with the service. Financial services are simple to use, which is one of the reasons for this.
Surge Credit Card Review ( Good Choice For Bad Credit
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. See if your address, email and more are exposed on people finder sites. An online activation form will appear on the screen (as shown below). Create a new username and password for your account and you are all set to use your new account. 1-Open the official Surge card website and open the login page. Please keep in mind the below-mentioned information while logging in to your Surge card account.
There are secured credit cards that are cheaper to hold that can also increase your credit limit. The Surge® Platinum Mastercard® is an unsecured credit card for consumers with bad credit. However, in some cases, the bank might require a security deposit in the amount of the credit limit you’ve been approved for. The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service.
editorial integrity, this post may contain references to products from our partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. There’s no security deposit required, and it does offer a pre-qualification process, as well as the chance at a higher credit limit. It also reports payments to all three major credit bureaus, which can help your credit if you pay your monthly bill on time. The card can be an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus.
The Surge Platinum Mastercard is issued by Celtic Bank, designed for those who have a bad credit history or none at all and want to build or rebuild their credit. Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. We’ll use the last four digits of your Social Security number to get your approval odds. To cancel your Surge account just call the customer service representative and they will process your card cancellation request.