Surge Credit Cards for Building Credit and More

Surge credit cards are designed to help you build credit from scratch, and they often come with a higher credit limit than traditional secured credit cards. This is because they're specifically designed for people with no credit or bad credit.

One of the key benefits of surge credit cards is that they report to all three major credit bureaus. This means that responsible payment behavior can help you build a positive credit history, which can improve your credit score over time.

Surge credit cards typically require a security deposit, which becomes your credit limit. For example, if you deposit $200, your credit limit will be $200. This deposit is refundable if you pay your balance in full and close the account.

Some surge credit cards also offer rewards programs, such as cashback or points for purchases. However, these rewards are usually limited to certain categories or spending levels.

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Surge credit cards are a great option for those with bad credit, as they allow you to qualify despite having a lower credit score.

These cards report to all three major credit bureaus, which can help you build credit over time.

One of the unique features of Surge credit cards is that they automatically double your credit limit after a series of on-time payments.

This can be a huge help in building credit and managing debt.

Here are some key pros of Surge credit cards:

With these benefits in mind, it's worth considering a Surge credit card if you're struggling with bad credit.

The Surge credit card is designed for those who want to earn rewards quickly, with a 3% cash back bonus on all purchases in the first 90 days.

To get the most out of your Surge credit card, make sure to pay your balance in full each month to avoid interest charges.

The Surge Credit Card credit limit can range from $300 to $1,000.

Your credit limit will be determined by your credit score and income, with higher scores and incomes resulting in higher limits.

To give you a better idea, the higher your credit score and income are, the higher you can expect your limit to be.

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Paying your Surge Credit Card is a straightforward process. You can make payments online, by phone, through the Continental Finance mobile app, or by mail.

To pay your Surge Credit Card bill online, log in to your online account and click on “Pay my Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from.

You can also set up automatic payments through Continental Finance, making it easier to stay on top of your payments.

Here are the ways to make a Surge Credit Card payment:

To get a cash advance with your Surge Credit Card, you'll need to call Celtic Bank's customer service at 1-866-449-4514 to request a PIN if you don't already have one.

First, make sure you have your credit card and a way to access the internet or a phone. You'll need to call Celtic Bank's customer service to request a PIN if you don't already have one.

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To start the process, call the customer service number and follow the prompts to get your PIN. After you have your PIN, you can proceed to the next step.

Here's a step-by-step guide to getting a cash advance:

To log in to your Surge Credit Card account, simply access the issuer's online banking platform. You can register for online banking by clicking on “Register for Access” if you haven't already.

Accessing your account via the issuer's mobile app is another convenient option, available for both iOS and Android devices. From your online account, you can view your statements and make payments with ease.

To check your transactions or report your card lost/stolen, log in to your online account and navigate to the relevant section.

You can apply for the Surge Credit Card online by clicking the "Apply Now" button on WalletHub or by going directly to Continental Finance's website. Alternatively, you can apply by phone.

Applying for the Surge Credit Card requires a 500+ credit score for high approval odds, and keep in mind that it's a bad credit credit card.

You can check your Surge Credit Card application status by calling the issuer's customer service department at (866) 449-4514, and you may receive a decision almost immediately on the application page with a letter to follow within a few days.

You can get pre-approved for the Surge Credit Card through Celtic Bank's online pre-approval page.

Current Celtic Bank customers may also receive pre-approved offers periodically by e-mail or when logging into their credit card account.

In some cases, Celtic Bank will mail people pre-approved offers for a specific credit card.

The pre-approval process can give you an idea of whether you'll be approved for the credit card before you apply.

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To apply for the Surge Credit Card, you can start online by clicking the "Apply Now" button on WalletHub or by visiting Continental Finance's website directly. You can also apply by phone.

The Surge Credit Card is designed for people with bad credit, which means you'll need a credit score of at least 500 for high approval odds.

Applying for the card triggers a hard inquiry, which may temporarily affect your credit score.

You can check your Surge Credit Card application status by calling the issuer's customer service department at (866) 449-4514.

You may receive a decision almost immediately on the application page, with a letter to follow within a few days.

There is no tool to check your application status online.

If you get denied, you can still ask the issuer for reconsideration.

The Surge Credit Card has a range of fees that can add up quickly. The annual fee is $75-$125, and it increases to $99-$125 after the first year.

One of the most notable fees is the cash advance fee, which is 3% of the amount advanced, or $10, whichever is greater. This can be a significant cost if you need to withdraw cash from an ATM.

You'll also be charged a foreign transaction fee of 3% on purchases made abroad. This can be a major drawback for travelers.

Late or returned payments will incur a $41 penalty, which can be avoided by making timely payments. It's essential to keep track of your payment due dates to avoid this fee.

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Here's a summary of the fees associated with the Surge Credit Card:

It's worth noting that the APR on the Surge Credit Card is 29.99%, which is one of the highest in the market. This can lead to significant interest charges if you carry a balance over a long period.

The Surge credit card has its drawbacks, but don't worry, there are alternatives. The Mission Lane Visa Credit Card has a slightly lower regular APR, ranging from 26.99% to 29.99% (Variable). It also has a more affordable annual fee, ranging from $0 to $59.

If you're looking for a credit card with no deposit needed, the Surge credit card, the Mission Lane Visa Credit Card, and the Destiny Mastercard all fit the bill. However, the Destiny Mastercard has a higher annual fee of $175 in the first year, followed by $49 after.

If you're considering the Surge credit card, it's worth comparing it to other options. Here's a quick comparison of the three credit cards:

You can also check out the user reviews for each credit card to get a better sense of which one might be the best fit for you. The Surge Platinum Mastercard has 1,183 reviews, the Mission Lane Visa Credit Card has 216 reviews, and the Destiny Mastercard has 293 reviews.

The Surge Mastercard has a reputation for being a decent option for those with poor credit, but it's essential to weigh the pros and cons before applying.

The card's user reviews are generally positive, with most WalletHub users giving it 4 or 5 stars out of 5.

However, the Surge Mastercard has a long list of fees, including an annual fee of $75 - $125 and a monthly fee of $0 1st yr, $12.50 after.

The card's APR is also relatively high at 35.90% (Fixed), which is higher than the average secured credit card APR of 22.5%.

If you're considering applying for the Surge Mastercard, you can expect an initial credit limit of $300 to $1,000 upon approval.

Some users have reported being able to get a credit limit of up to $1,000, but it's essential to keep in mind that this is not a guaranteed amount.

The Surge Mastercard is available for online application after prequalification.

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If you're not satisfied with the Surge Mastercard, there are several alternatives to consider.

Here are a few options to compare:

It's worth noting that the Surge Mastercard has a relatively low user review count compared to some of its alternatives, with 1,183 reviews compared to 216 for the Mission Lane Visa Credit Card.

Ultimately, the decision to apply for the Surge Mastercard or one of its alternatives will depend on your individual financial situation and needs.

The Petal 2 Cash Back Visa is a great option for those looking for a credit card with rewards and no fees. It offers 1% cash back on eligible purchases right away, with the option to increase to 1.5% after 12 on-time monthly payments.

One of the standout features of this card is its lack of fees. You won't have to worry about annual fees, foreign fees, or late payment fees. The card also has a relatively high credit limit of $10,000.

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The Petal 2 Visa has a variable APR of 18.24%-32.24%, which is lower than some other credit cards on the market. This makes it a good option for those who want to avoid high interest rates.

Here are the key benefits of the Petal 2 Cash Back Visa at a glance:

Overall, the Petal 2 Cash Back Visa is a solid choice for those looking for a credit card with rewards and no fees.

The Discover It Secured is a great option for those looking to build credit. It's a secured credit card, which means you'll need to make a security deposit, but it's refundable when you close the account.

One of the highlights of this card is that it has no annual fee. This is a big plus, as many credit cards come with annual fees that can add up quickly.

You'll also get access to free FICO credit scores, which can be a huge help in tracking your credit progress. I've found that knowing your credit score can be a real motivator to keep making smart financial decisions.

The Discover It Secured also offers 1% - 2% cash back on purchases, which is a nice bonus for responsible spending.

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The Petal 2 Cash Back Visa is a solid alternative to the Surge Mastercard. It offers 1% cash back on eligible purchases right away, and up to 1.5% cash back after making 12 on-time monthly payments.

This card also offers cash back at select merchants, ranging from 2% to 10%. No annual fee, foreign fees, or late payment fees make it a great option for those who want to avoid extra charges.

The Petal 2 Visa has a variable APR of 18.24%-32.24%, which is lower than the Surge Mastercard's 29.99% APR. The credit limit on this card is also higher, with a maximum of $10,000 compared to the Surge card's $4,000 limit.

Here's a quick comparison of the Petal 2 Cash Back Visa and the Surge Mastercard: