If you’re looking for a new chance to get credit, Surge Mastercard will be a perfect choice. This card offers a quick and convenient pre-qualification process, the chance for a higher credit limit, and reports monthly payments to major credit bureaus (TransUnion, Equifax, and Experian).
Surge Mastercard®
Credit Protection Mobile AppWith a fair annual fee and an initial credit limit of at least US$300, which can be increased in 6 months, this card will help you build or establish credit with dignity and respect without having to shell out an expensive security deposit.
Other card details
The Surge Mastercard credit card is designed for people with damaged or non-existent credit who want a card that allows them to develop their credit efficiently and safely. That’s why Celtic Bank, the card issuer, does not prevent people with substandard credit from applying for that credit card.
This is an unsecured card, so you don’t need to pay a security deposit to open your account. You can check the status of your Surge credit card application and see if you’ve qualified in less than a minute. From there, the card will be sent to your home and within a few days, you will be able to use it.
With that, you can start to strengthen or build your credit. This requires you to use your card responsibly, keep your payments on time, and keep your credit utilization low to have the best possible impact on your credit score. In addition, Continental Finance will report your payment history to all credit bureaus: Experian, TransUnion, and Equifax, allowing you to build your credit with ease.
The Surge Mastercard credit card will be a great help to improve your credit history. The card has an annual fee, which will have its value determined by its credibility. Also, the card has a monthly maintenance fee that will start to be charged from your second year as a cardholder. You will also be charged additional costs for authorized users, cash advance purchases, and foreign transaction fees.
Learn more about the Surge Mastercard Credit Card
Payments made to your Surge Mastercard account are reported to the three major credit bureaus every month. So, once you maintain responsible credit card usage you will be able to gradually improve your credit score. Not all credit card issuers report to major credit bureaus, so this is an essential factor for anyone concerned about building credit conveniently.
Also, if you have bad credit or no credit at all, you may need to build your credit with a secure card, which requires a security deposit. But with Surge Mastercard, you can qualify for an unsecured credit card with a line of credit from $300 to $1,000.
To best build or strengthen your credit with Surge Mastercard, you should use it to make small purchases every month. You can do your day-to-day purchases, such as spending on food, supermarkets, and gas. Remember to pay your credit card bill early or on time each month, and keep your credit utilization low for the best possible impact on your credit score.
This card comes with an initial credit limit of $300 to $1,000, so you’ll need to be careful with your spending to improve your credit. Credit utilization is one of the most influential factors in your credit score, and experts recommend keeping a utilization rate below 30% (and even better below 10%). Your balance should be under $150 per month if your credit limit is $500, for example.
Other Benefits of the Card
- Credit Limit Increase: Your credit limit of up to $1,000 can double up to $2,000 by making your first 6 monthly minimum payments before the due date!
- Monthly reports to the three main credit agencies – TransUnion, Experian, and Equifax.
- Accepted everywhere Mastercard is accepted
- $0 Fraud Liability Protection: You will not be responsible for unauthorized charges to your credit card.
- Initial Credit Limit: Receive a minimum $300 credit limit upon approval
- Sign up for electronic statements and get free access to your Experian Vantage 3.0 score
Is this card for you?
If you’ve faced financial challenges and have trouble getting credit this is the right card for you. Surge Mastercard is for anyone who needs to establish or improve their credit profile through responsible card use.
While it doesn’t offer rewards for purchases, it’s a good credit card option for anyone looking to get more purchasing power and build their credit. In addition, once you are approved for this card you will receive an initial limit and a potential increase in that limit after six months.
So, the Surge credit card might be the right choice if you have fair or bad credit and want an unsecured credit card. It will be even better if you qualify for the lowest annual fee and no monthly maintenance fee.
The Surge Mastercard credit card will be a great help to improve your credit history. The card has an annual fee and a monthly maintenance fee that will start to be charged from your second year as a cardholder. You will also be charged additional costs for authorized users, cash advance purchases, and foreign transaction fees.
With the responsible use of this card, you will be able to build or strengthen your credit with confidence. Apply now for Surge Mastercard, keep reading this article to learn more.
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