FAQ about Surge Credit Card

Whether you’re a new cardholder or an existing customer, understanding your credit card can be challenging. That’s why we’ve put together this list of Frequently Asked Questions about the Surge Credit Card to help clear things up. If you want answers on how it works and what benefits come with it, keep scrolling.

Check out our Frequently Asked Questions list below to learn more about the Surge Card!

  1. What is Surge Credit Card?

    The Surge Mastercard Credit Card is a legitimate credit card that reports to all three major bureaus every month for people with bad credit.

    It allows customers to improve their score by paying on time and using only part of one’s limit at once, so they won’t be overwhelmed when applying for additional loans or programs in the future! Continental Finance Company, an American credit card company proudly rated A+ by the Better Business Bureau, offers surge credit.

  2. What bank issues surge credit cards?

    Celtic Bank’s The Surge Credit Card, which is handled by Continental Finance and offers zero liability, is intended to aid those with terrible credit or no credit history establish their identity.

    There’s a lot of competition in this space; let’s see how the card compares against other top choices! The Smooth sailing experience only lasts so long because once your account has been approved, you can anticipate higher than average approval rates on all purchases – it’s still not perfect!

  3. Is Surge credit card unsecured?

    Yes, Surge Credit Card is unsecured. The Surge Mastercard Credit Card is a high-interest, no-finance option for people with bad or little credit.

    There’s no restriction on how much it might increase in six months, making it a better choice for those who want better offers when their score improves (or if they discover that they are outgrowing the ability to pay).

  4. Does surge credit card give credit increases?

    Yes, you may be eligible for your first credit limit increase after just six months. The $300 to $1,000 initial credit limit is based on your approved income and the information provided in the Surge application.

    Demonstrate responsibility with your spending within 6 months of account opening. You may be eligible for your first credit limit increase at 6 months.

    However, there will be no automatic credit limit increase after the first six months; you have to ask to increase your credit limit.

  5. How much is the surge credit limit?

    There is a minimum credit limit of $300 and a maximum of up to $1000.

  6. Is surge MasterCard Credit Card legit?

    Yes, Surge MasterCard credit card is a legitimate online financial product that can help you build or improve your credit score. The Celtic Banks issues it in partnership with Continental Finance company.

  7. How do I apply for the Surge Mastercard?

    You can apply online, over the phone, or return the acceptance certificate from the pre-selected offer you received in the mail. To do so, please follow these steps:

    Step one: Visit this website to create your account and request an application form.

    Step two: Fill out all details on your application, including income source, employment status, etc.

    Step three: You will receive an email that contains a link where you have to click and confirm your eligibility; then submit it by clicking the continue button at the end of the page. Within 48 hours (Monday through Friday), you should be approved for a credit card if eligible based on information provided within Surge Credit Card.

    If not approved due to insufficient funds or bad credit history, please contact the customer service department at their toll-free number. If you are not satisfied with the outcome of your first application, don’t give up just yet! Surge credit card encourages all applicants to apply again after six months if their initial application is denied for any reason.

  8. Is Surge a good credit card?

    No, Surge is not a good credit card. The only two things attractive about the Surge MasterCard are its enticing initial credit limit of $300 to $1,000 and pre-approved offers that come once every three months.

    Above all else, it lacks the security you might usually expect from traditional plastic cards. This Credit card has a very high-Interest rate as compared to other Cards.

    The high annual fee, high APR, and lack of rewards make this a credit card you will want to avoid.

  9. Does surge credit card report your payment history?

    Yes, Surge MasterCard does report your payment history to the three major credit bureaus (Equifax, TransUnion & Experian). This helps you establish and build a good credit score over time.

    However, aside from this perk, there is nothing more special about the Surge Credit Card when compared with other cards. So if you are not planning on spending much money, it might be better for you to apply for some of these Cards instead because they either have no annual fee or free membership.

  10. What is the interest rate on surge Mastercard?

    The interest rate on the Surge Mastercard is 25.90 percent to 29.99 percent, which is relatively high. If you’re approved for the Surge Mastercard and don’t carry a balance, we recommend that you don’t do so.

    Even a few dollars carried from month to month at this high rate can add up quickly over time. Fortunately, after your previous billing cycle’s statement balance has been paid off without interest charges within 25 days, this credit card offers a 25-day grace period before any interest begins to accrue in your account.

  11. Are there any surge credit card benefits?

    There are some small benefits such as $0 liability on unauthorized charges, Monthly reporting to the three major credit bureaus, and Online account access.

    However, these perks do not make up for all the problems associated with having a Surge Card, like its extremely high-interest rates, no rewards program, or any other benefits.

  12. Does surge credit card charge an annual fee?

    Yes. Tired of paying high annual fees for credit cards? Well, now you can get the Surge Mastercard®. And it’s not just any old card, and it comes with some pretty hefty price tags as well!

    The Surge Mastercard® charges a steep annual fee of 25% of the card’s $300 minimum credit limit. After your first year with them, they also charge you monthly maintenance fees – up to 120 per year! If someone else wants to be added as an authorized user on this account, there isn’t just a one-time purchase cost either; it’ll set them back 30 dollars every single time too.

  13. How do I activate my Surge Mastercard?

    You may activate new and reissued cards online or by phone. Select the “Activate Now” button on the website on the back of your card to activate it online or call from a phone number provided at the application, and within 30 days after you receive it, for activation not to be denied.

    For security reasons, reissued cards may require an additional verification process, such as sending them back with proofs of address or providing social security numbers before they become active on the file again.

  14. Do I need to activate my Surge Mastercard?

    Yes, you do! Call the number provided on the back of your card and follow all prompts correctly. Activate within 30 days after receiving it for security purposes (and because they won’t be able to charge you any monthly fees if not activated).

    Suppose reissued cards are sent out due to loss or stolen. In that case, there may be additional verification that is needed before they become active again.

  15. How do I know if my Surge credit card is active or not?

    You may check your balance and transactions at any time by logging in to the website. Call one of their toll-free numbers for up-to-the-minute information or speak with someone directly during business hours – all 24/seven!

  16. What is the billing cycle for my Surge Credit Card?

    The due date for the Surge Credit Card is 25 days after the close of your billing cycle. If you pay your bills on time, you won’t be charged late fees. The good news is that you may extend or change your due date if you are dissatisfied with it. Call (866) 449-4514 or the number on the back of your card to talk with a representative about why you require an altered due date.

  17. How can I pay my Surge Credit Card?

    The Surge Credit Card has multiple ways to pay, including online and by phone. However, the easiest way to pay for your Surge Credit Card is online or by phone at official phone numbers.

  18. How can I check my Surge Credit Card application status?

    You may check the status of your Surge Credit Card application by calling the customer service department. However, you can also check the credit card application status on Continental Finance website.

  19. How can I log into my Surge Credit Card account?

    You may create a username and password for your Surge Credit Card account. Then, you must log in to it to manage or view information such as balance and transactions – visit the official website!

    You can also access your account via the CFC mobile app for iOS and Android.
    From your online account, you’re able to view your statements, make payments, check your transactions or report your card lost/stolen.

What do you think of the Surge Credit Card? Do you have any questions about it that we haven’t answered yet? Let us know in the comments below, and one of our team members will be happy to answer!

About Author

ShivaniFounder of Moneyniti.Com
Shivani is an expert in personal finance who motivates and educates readers to make the most of their financial opportunities. She covers a wide range of topics, from credit cards and banking to travel rewards programs. She has an established presence in the personal finance media industry and has been featured in Prestige Magazine and The My Credit Card Club. Shivani is passionate about understanding money in order to help her readers make responsible and lucrative decisions. From her homebase in New Delhi, Shivani travels the world as a digital nomad, sharing her knowledge and experiences with those seeking to understand their finances better.

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