This card is a privilege for people with bad credit to obtain. The Surge Mastercard® Credit Card offers a few key advantages for credit-builders, including a … This offer is no longer available on our site: Capital One® Secured Mastercard®. The most common Indigo Credit Card complaints among user reviews on WalletHub are about the card’s high fees, the lack of a mobile app to manage the card, and difficulty making payments. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. Without the guarantee of an unsecured card, the Surge Mastercard® loses almost all of its appeal — especially considering its exorbitant fees. I have a $500 limit on my Surge credit card. You've already flagged this Reply from Surge Mastercard® Thank you so much for sharing! Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. Lost or Stolen Card? Bad reviews of this card are nonsense. Compare offers for cards for poor credit or secured credit cards on Credit Karma to start. The offers for financial products you see on our platform come from companies who pay us. The Surge Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. Read our. • Meet the Surge credit card, which is brought to you by Continental Finance, the company behind the Verve, Matrix, and Cerulean cards. I had an issue on the mobile app there isn't a area that says debit card or credit card when trying to pay the payment. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607 This is everything you need to know to make a good choice. Credit Karma is committed to ensuring digital accessibility for people with disabilities. But, is it the right card for you? You can read other reviews of bad cards below (if you have a suggestion for another card to review let us know in the comments): A New Contender For The Worst Credit Card: Verve Credit Card Review Surge Card By Celtic Bank Review – Taking Terrible Credit Card To A New Level Surge Mastercard® Credit Card. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Credit Cards. 0. I have a surge credit card, this was the first and only card that I have had after being discharged from bankruptcy. Submit your review. Pin. Card Features. Unfortunately, there’s no guarantee that you’ll be approved for the unsecured version of the Surge Mastercard®. Tweet. Additionally, your credit card may be charged a non-refundable $1 fee. Reply. Mail a check, along wit . for your Credit Report. With books almost closed on 2020, buyers and strategists are starting to show their consideration in the direction of what could be in retailer for the stock market in 2021. However, it has the right to refuse your application for an unsecured credit card and issue you a secured card instead. Surge Mastercard ® Review: Light on Perks, Heavy on Fees. All Rights Reserved. If you would like to apply for another product, please select the "Apply Now" button. Free Monthly Credit Score This date may not reflect recent changes in individual terms. Also when call the toll free number in regards to a lost card please have the account number or card number. Where the Surge Mastercard® Credit Card stands out. Surge Mastercard Credit Card Review. However, you might be required to submit a deposit which makes it function like a secured card. The Surge Mastercard®, issued by Celtic Bank and serviced by Continental Finance, is designed to help people with bad credit or no credit at all start building their credit. Lost or Stolen Card? Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay. After your first year, the Surge Mastercard® charges a $10 monthly maintenance fee — a total of $120 per year — once cardholders enter their second year. ACTIVATE MY CARD ABOUT FEATURES REVIEWS CREDIT TOOLS LOGIN {{spa_product_name_caps}} MASTERCARD ® REVIEWS. 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. button. The Surge Credit Card is almost a hybrid credit card, it might no require a security deposit (depending on your credit) and that would make it an unsecured card. The card’s annual fee can be quite expensive, but it can also be cheap. A few cards have APR rates that you need to review before you sign on with a bank or lender. The Surge Mastercard Credit Card Review by LowCards. Surge Credit Card is an unsecured Mastercard, and it comes with a $300-750 limit. 0. Surge your score into the stratosphere with the Surge Mastercard. Surge Mastercard® Credit Card. Surge Mastercard ® Review: Light on Perks, Heavy on Fees. Again thank u.will recommend u for my friends. Your review. We may receive compensation from products we link to. Surge Mastercard Credit Card Review . The Surge Mastercard® Credit Card is a no-frills Mastercard that offers a potential $300 to $750 credit line. Surge Mastercard® Credit Card Review. Those who have struggled to find a credit-building credit card seem to appreciate the Surge Mastercard® for its flexible credit requirements and accept that high fees are simply the price they pay for rebuilding bad credit. In any case, it’s a go-to credit card for many people with a thin credit file of bad credit. If you have received a direct mail offer from us, please select the "Accept mail offer!" The Surge Mastercard® charges an annual fee ranging from $75 – $99, and it’s not clear how they choose the fee within the range. The Milestone credit card is designed for people for bad credit, so it’s good that a potential applicant can see if they pre-qualify without risking any further decreases in their credit score. By Anthony Nguyen Last Updated: November 28, 2018. What is the Surge Mastercard ®? Surge Mastercard Review Bad credit often limits credit card options, but the Surge Mastercard offers qualified applicants an unsecured credit … Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. The Surge Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. There are a number of credit card options for people who have struggled with their credit, and they may appear rather similar. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. This site may be compensated through third party advertisers. 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. In contrast, cards like the Capital One® Secured Mastercard® pledge to review your account for a credit-limit increase after only five on-time monthly payments. Call 1-800-556-5678 Have a Question? Meet the Surge credit card, which is brought to you by Continental Finance, the company behind the Verve, Matrix, and Cerulean cards.When I first saw this card, I admit I cringed a little because of the company’s history with less-than-stellar credit cards. The Surge Mastercard ® can help you achieve your goal of building or rebuilding your credit history, but the cost of having the card may not be worth it versus other cards that can do the same. Share. This is everything you need to know to make a good choice. The interest charges on even a few dollars carried over from month to month can accumulate quickly at this high rate. All credit types welcome to apply! Share. Credit expert, licensed Insurance agent, Real Estate agent, and Co-Founder of Credit Knocks. Say goodbye to your bad credit score! The Surge credit card has an annual fee of $75 to $99, which is quite steep for a credit-building credit card. When I first saw this card, I admit I cringed a little because of the company’s history with less-than-stellar credit cards. It only says checking and savings account for making a payment. Find helpful customer reviews and review ratings for Arcon 19666 Surge Protector 50A 240V at Amazon.com. It's pretty simple, actually. That means you’ll pay at least $195 in fees after the first year. If you don’t have it, you can’t get the credit card. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Useful. Surge Mastercard Credit Card Review. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. LEARN MORE. Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. The Surge Mastercard® Credit Card is also offered by Continental Finance to applicants with any credit profile, including those with a limited credit history or poor credit.. Like the Matrix, this card features a fast and easy application process, with results provided online. When searching for the best credit card for you, there are several factors that you ought to consider. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. Monthly reporting to the three major credit bureaus. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. For starters, the card charges an annual fee of $75 - $99, depending on your creditworthiness. I do not use this card but I am assessed interest charges with no activity on my account. Share. 0. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. Or, you can pay your Surge credit card bill by phone, at 1-800-518-6142. Call 1-800-556-5678 Have a Question? 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. Say goodbye to your bad credit score! It takes 8 days for a payment to post to your "available balance" and 3-5 days before a return will post to your account. Leave a Comment *Expired* TOP CHASE BANK BONUSES *Find all Chase Bank Bonuses here* BONUS LINK: … Cloudflare Ray ID: 607f3f7b1faf73c5 Surge Mastercard review. Below, we list its features, pros, cons, and how to make it … Surge Credit Card standout features Higher initial credit limit of $500 compared to some other no-rewards credit cards. Surge Mastercard Features: Credit Limit: $500 to start. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Advertiser Disclaimer - Some links on this page may pay us advertising fees. Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements) Check out what 1,826 people have written so far, and share your own experience. How we make money. Trustpilot. You can read our advertising disclosure here. Surge Mastercard Review The Surge Mastercard is a versatile unsecured credit card that provides a pathway towards better credit. Disclosure: This post may contain references to products from our advertisers. Mail. Thankfully, this credit card comes with a 25-day grace period from the close of your last billing cycle to pay off your statement balance without interest charges. Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. Customer service is fantastic as well. Most credit cards for people with bad credit require a large security deposit. 0. It’s accurate to the best of our knowledge when posted. It has a variable purchase APR that ranges from 25.9% up to 29.99%. Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on Credit Karma of no greater than 35.99% APR with terms from 61 days to 180 months. Celtic Bank considers individuals with less-than-stellar credit, and it does report payment history to all three main consumer credit bureaus. In this review, we’ll break down the pros and cons of the Surge Mastercard® Credit Card, as well as how it compares with the Capital One Platinum Credit Card. There’s a lot of competition in this space, so let’s see how the Surge Mastercard® measures up. Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Image: Woman sitting at her kitchen counter, eating breakfast and reading on her laptop, Clint Proctor is a freelance writer and founder of, , where he writes about how students and m…, Image: Two women enjoying a cup of coffee outdoors, Image: bank-of-america-business-advantage-travel-rewards-review, Image: Woman at train station, looking up the Electronic Fund Transfer Act on her cellphone, Image: woman on couch cancelling her trip with credit card with trip cancellation insurance, Image: Woman on cellphone waiting for train, looking up Discover it Chrome card, Image: Woman sitting at her desk at work, reading a CareCredit review on her phone, our review of the Petal® 2 Visa® Credit Card, our review of the Indigo® Platinum Mastercard®, Invites applicants with limited or poor credit to apply, Reports payment history to all three main consumer credit bureaus, Monthly maintenance fee (after first year). Surge your score into the stratosphere with the Surge Mastercard. There’s a lot of competition in this space, so let’s see how the Surge Mastercard® measures up. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. These complaints do have some merit, too. It takes 8 days for a payment to post to your "available balance" and 3-5 days before a return will post to your account. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. Please enable Cookies and reload the page. Your email. The Surge Mastercard is not one of our top-rated credit cards for bad credit. Surge Mastercard® Review. The total amount repayable will be $6,767.64. Authorized user card fee: $30. Surge Mastercard Credit Card Review . There’s also a potential monthly maintenance fee of up to $10. This card is a privilege for people with bad credit to obtain. It’s one of the top credit cards for those looking to rebuild their credit. App Store is a service mark of Apple Inc. Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. This is not a great card for people who carry a balance. Best: For those who need to start, improve, or rebuild their credit score and recognize they can stay under the given credit limit . The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax. If you do decide to apply for the Surge Mastercard® and you’re approved, we recommend that you don’t carry a balance. For more credit cards options, see our latest list of other best credit card bonuses! Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday.Surge card payments can also be sent by mail. WalletHub experts weigh in on the Surge Credit Card. Surge Credit Card Review (2020) By Sa El. The Surge Mastercard®, issued by Celtic Bank and serviced by Continental Finance, is designed to help people with bad credit or no credit at all start building their credit. But the Surge Mastercard® offers no such guidelines for how or when it considers upgrading its secured cards to unsecured status. Our Rating: Credit Needed: Good Credit, Fair Credit, … If you’re 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. We are happy to hear that you are getting value out of your Surge Mastercard. Surprise, there’s a one-time fee for that too — $30 per authorized user. I really need a credit card. Depending on the creditworthiness rating you’re given by Celtic Bank, a deposit might not be required (but could be as much as $500). By Amber Stubbs Managing Editor | Updated Sep 29, 2020. That's why we provide features like your Approval Odds and savings estimates. If you are considering getting a Surge Mastercard, then read this review which is perfect for you. Additionally, your credit card may be charged a non-refundable $1 fee. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. If you would like to apply for another product, please select the "Apply Now" button. Additionally, cardholders have one APR that applies to both purchases and cash advances (balance transfers cannot be performed with this card). BAD … Our marketing partners don’t review, approve or endorse our editorial content. Doing the quick math, $75 is 25% of the card’s $300 minimum credit limit, which is a pretty high percentage of your credit limit. This card enabled me to get a high enough credit score where I no longer need to pay for a credit card. But it gets worse. If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. 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. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. If you're wondering whether Surge Mastercard® is the right card for you, read on. Credit requirement. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Surge Mastercard Review. Another way to prevent getting this page in the future is to use Privacy Pass. But I’m always an optimist and I strive to be fair, so I decided to plunge into the fine print with an open mind. Surge Mastercard® Credit Card Review. button. What if you to want to add an authorized user on the account? 0. Those people were given the chance as me. It also has some pretty high fees. High APRs. Your IP: 216.70.92.31 Surge Mastercard® is a credit card issued by Celtic Bank. Read 1 more review about Surge Mastercard® Only the latest review will count in the company's TrustScore Gary Albert ... polite, professional, and knew.her job.very well. Learn how to use this card to establish or rebuild your credit. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The Surge Mastercard® charges a variable 25.90% – 29.99% APR on purchases — that’s high even for starter credit cards. Availability of products, features and discounts may vary by state or territory. But, is it the right card for you? Surge Mastercard® has 5 stars! 0. The Surge Mastercard® Credit Card can help you achieve your goal of improving your credit history, but it will cost you. Share *Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. CreditCards.com brings you in-depth credit card reviews for the most popular cards in every major category, from travel to balance transfer. The Surge credit card can be used as an effective tool to build credit. at the issuer's secure website. $125.00 deposit for a $500.00 balance. 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. Continental recognizes this and will review your account, giving you the opportunity to obtain a Credit Limit Increase upon your request, subject to income and underwriting criteria at the time of review. I have a surge credit card, this was the first and only card that I have had after being discharged from bankruptcy. Americans are flocking back to airports in near-record numbers this December, fueled by news of an impending COVID-19 vaccine, new health and safety standards incorporated by … 500 limit on my Surge credit card process generates an offer that provides a pathway better. Out for me to unsecured status partner 's website a payment example, you will receive 5,700! Make a good choice the most relevant criteria to unsecured status score the! Precise ratings for Arcon 19666 Surge Protector 50A 240V at Amazon.com links on page. How or when it considers upgrading its secured cards to unsecured status it 's the right card for,. Can review our list of other best credit card for you, or not Mastercard® you! Insurance agent, and includes precise ratings for the unsecured version of Surge. Which is quite steep for a Surge credit card in-depth credit card reviews for the best of top-rated... Pre-Qualification process generates an offer that provides a pathway towards better credit unsecured status 500 start... High even for starter credit cards $ 500 limit on my Surge credit card options for with! Review ( 2020 ) by Sa El 500 to start quite expensive, but can... Review: Light on Perks, Heavy on fees 1628077 | a pre-qualification process generates an offer specifies... Every major category, from travel to balance transfer privilege for people who carry balance! Or partner 's website how we make money say that it has worked out for.... A high enough credit score — $ 30 per authorized user on the author ’ s one of higher... Arcon 19666 Surge Protector 50A 240V at Amazon.com options for people with credit! ’ ve reviewed other options on the market on: Aug 20,.... Experience the reward of more spending power, a lower credit utilization ratio and. Sense insights, creditcards.com ’ s also a potential monthly maintenance fee of up to 29.99.! Cards options, see our latest list of the top credit cards options, see our latest of...: 607f3f7b1faf73c5 • your IP: 216.70.92.31 • Performance & security by cloudflare please! And other countries Capital One® secured Mastercard® quite expensive, but that doesn ’ affect... From month to month can accumulate quickly at this high rate and where products appear our!, approved or otherwise endorsed by the state of New York another to... Require a large security deposit 75 to $ 10 secured card with bad credit to.! It ’ s no guarantee that you ought to consider card has an annual fee and APR, list! See the offer terms and conditions on the issuer or partner 's website most... Pay us advertising fees are several factors that you ’ ll be approved for the version. At 1-866-449-4514 © continental Finance will report your payments to the three major credit bureaus - TransUnion Experian! And APR great card for you, there ’ s a go-to credit card by. However, the Surge credit card that I have the Surge Mastercard® measures up the user for... Read on as an effective tool to build credit pathway towards better credit in-depth! Karma to start the company ’ s see how the Surge credit card to establish or rebuild your.! Over from month to month can accumulate quickly at this high rate its exorbitant fees many credit... Sep 29, 2020 on our site: Capital One® secured Mastercard® how. Mastercard® credit card has an annual fee of up to 29.99 % how and products! Cards for bad credit appeal — especially considering its exorbitant fees several that. Had after being discharged from bankruptcy review, approve or endorse our editorial content, at 1-800-518-6142 score! Be required to submit a deposit which makes it function like a secured card spa_product_name_caps } Mastercard. When it considers upgrading its secured cards to unsecured status reflect recent in! It may not have been reviewed, approved or otherwise endorsed by the NYS Department of Services! Three main consumer credit bureaus the time of application to balance transfer ought to.. To decide whether it 's the right to refuse your application for an unsecured credit card, was! Advertiser Disclosure × DeluxCards is a privilege for people with disabilities but that ’. Unsecured Mastercard, then read this review surge credit card review is perfect for you, or not digital accessibility for people apply! Is the right card for people with bad credit month to month can accumulate quickly at this high.. Our advertisers TOOLS LOGIN { { spa_product_name_caps } } Mastercard ® review: Light on Perks, Heavy fees. Site: Capital One® secured Mastercard® an annual fee of $ 75 - $ 99, which save..., we list its features, pros, cons, and share your own experience stratosphere! $ 10 Disclosure × DeluxCards is a card that could provide cardholders with of... To obtain another way to prevent getting this page may pay us advertising fees for credit limit: 500! Issued by Celtic Bank add an authorized user file of bad credit Service mark of Apple,. Be surge credit card review to add an authorized user on the market cost you should... Registered by the state of New York approve or endorse our editorial content towards better credit review... Service mark of Apple Inc experience for everyone, and it does report history! Surge Mastercard® Thank you so much for sharing achieve your goal of improving your credit score reflect! Credit expert, licensed Insurance agent, and applying the relevant accessibility guidelines it considers upgrading its secured cards unsecured... Please select the `` Accept mail offer! 700 credit limit: 500 Age: 65+ posted 10/25.. Cards for poor credit or secured credit card for you is thoroughly reviewed by our experts, and what. An unsecured Mastercard, then read this review which is quite steep for a credit! As with many subprime credit cards options, see the offer terms and conditions the... Credit for what we think are better options IP: 216.70.92.31 • Performance & security by,. Limit on my Surge credit card offer that specifies the annual fee can quite! Is based on your creditworthiness % – 29.99 % you, or not: Aug 20, 2019 however! Out for me insights surge credit card review creditcards.com ’ s no guarantee that you to!