If you have less-than-perfect credit, the Surge Mastercard® could give you access to an unsecured credit card with a $500 credit limit. Pre-approved credit card offers can get annoying, especially when you're not in the market for a new card. Thanks to unfortunate reader Dan who received a pre-approved mailer for this card and bringing it to my attention. The application requirements are set very low, and the chances to get approved for the card are moderately high, even for consumers with a bad or no credit score. 272 Comments. Milestone Gold Mastercard vs. Surge Mastercard® Credit Card. • Rates. Very few unsecured cards for poor credit are available, for one thing, and most have outlandish fees. See if you’re pre-approved within minutes without impacting your credit score; Petal reports to all 3 major credit bureaus; No deposits required; Card issued by WebBank, Member FDIC; Card Details Page . Based on this information, they will send you special offers via direct mail. Free Credit Score* Transaction Alerts. then I was informed that $50 would be withdrawn from my personal debit acct. Delinquent payments that occurred before the card was lost are reported for seven years. Unless you fall into this category, your chances of getting one of Barclaycard’s cards are low. Surge Credit Card Login. Advertiser Disclosure. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. This content is not provided or commissioned by the credit card issuer. An credit card stipulates the flexibility and freedom to automatically create purchases once you want to and also once you want to. With just a few clicks, you can enter your information and request your card today! You can also prequalify for the card with only a soft pull of your credit report. Harbor Freight Launches Credit Card With 5% Back Or Financing; 10% Signup Bonus Offer [Targeted] Chase Co-brand Cards: Get 5x Points On Grocery & Gas (Up To $1,500/Month Spend for August – Sept) [Targeted] Bank of America Cash Rewards: Double Your … They might have got your name from some old mailing list when your scores were lower. You could learn more about rewards programs and member benefits associated with each card and select the one that best fits … The Credit One Visa is pretty expensive, too, charging up to $99 in annual fees as well as an APR of 17.99% - 23.99% (V). I got the pre-approval mail. Since most people shop for and compare credit cards online these days, there's virtually no reason to receive credit card offers via mail. Do you have an active checking account or debit card? What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. I was asked if I had a credit or debit card, and to enter my acct no., expiration date, etc. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee. Pre-qualify Without hurting credit score; High APR; Could require a $200 security deposit ; $96.00 Annual Fee; $10.00 Monthly Fee; SUMMARY: 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. Card Features. Lost Credit Card: If there are no delinquencies, credit cards reported as lost willcontinue to be listed for two years from the date the creditor is contacted. However all credit card information is presented without warranty. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. EMAIL ADDRESS. The Surge Mastercard® Credit Card issued by Celtic Bank and serviced by Continental Finance, is an unsecured credit card targeted to those with limited or poor credit. The benefits of receiving pre-approved credit card offers in the mail is that you can sometimes get very competitive introductory APRs. All pre-qualified offers are based on credit worthiness. All credit types welcome to apply! LAST NAME. A couple of weeks later, I applied on line and the site said I was approved for $500.00. Now that you know how to get approved, you can shop and apply for the cards you want with confidence. See if You are Pre-Approved. The Surge Mastercard is a credit card catering to the needs of people who want to re-establish and improve their credit. I received a pre-approval on Credit karma or a similar site. No fees whatsoever. *Your credit score will be available in your online account 60 days after your account is opened. A few cards have APR rates that you need to review before you sign on with a bank or lender. FIRST NAME. Did not do much research. Pre-approved credit card offers can help you determine if you’re likely to get the credit card you want. View Your Pre-Approved & Pre-Qualified Credit Card Offers (Updated For 2020) April 9, 2020, 18:38. You may also like. The best unsecured credit card for people with bad credit who want instant approval is the Credit One Bank® Visa® Credit Card. However, they're still very prevalent, and many people find their mailboxes and email inboxes filled with offers. And speaking of your credit limit, while the Surge Mastercard® offers a competitive credit limit for subprime cards by providing up to $500 to qualified applicants, you likely won’t see any credit limit increases. • $0 Fraud Liability. APR. You can determine your odds of approval through the card's pre-qualification process. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. Most credit card issuers now allow you to view cards that you’ve been pre-approved for online. Click the “Apply Online” button to review the terms and conditions of the offer on the card issuer's web site. Reasonable efforts are made to maintain accurate information. To get approved for additional credit cards, you’ll need to use your credit responsibly, make your payments on time to secure a high credit score, and keep your card utilization relatively low. Predatory card for sure. I got a “you are pre-approved for a Surge credit card” from the company. This site may be compensated through the credit card issuer Affiliate Program. Take the next step in your financial journey with Aspire®. button. This site may be compensated through the credit card issuer Affiliate Program. Pre-approvals typically mean that they have reviewed your credit score and basic history, and feel that you are a good candidate for their credit card or loan. *A Pre-approved credit card offer means you meet our initial credit and underwriting criteria and your application may be approved for this Surge Mastercard offer if you continue to meet this criteria. But applicants aren’t guaranteed the unsecured version of the card — they may end up with a secured card instead. See Rates, Fees, Costs and Limitations. However all credit card information is presented without warranty. This won’t affect your credit score and is not a guarantee of approval, but it should give you some extra peace of mind before you submit a formal application. APR(variable) ranges from 25.90% to 29.99%. Simple + Secure Application. If you would like to apply for another product, please select the "Apply Now" button. Additionally, the card charges several fees, including both an annual fee and (starting the second year) a monthly maintenance fee. How to Opt-Out . Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Products. • Annual Fee. $75.00 to $99.00. Monthly reporting to the three major credit bureaus. I did not provide my debit or credit card number and after that, they said I was denied. At any time you create a program to get a charge card, then the more financial institution undergoes your own credit report, that will be part of charge-card processing processing to find out your value. 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. *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 applies for a card account. by William Charles. Additionally, cardholders have one APR that applies to both purchases and cash advances (balance transfers cannot be performed with this card). $0 Fraud Liability** Online Access 24/7, any device. This site does not include all credit card companies or all card offers available in the marketplace. These financial institutions are performing what is known as a soft inquiry, which won’t hurt your credit score. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. Here is a full list of issuers that do allow this, along with the relevant websites/contact information. Posted 09/21 2016 . Unsecured Credit Card. There are two things you could do, lower your overall credit utilization ratio to 30% or below, and consider applying for a credit-building card. Annual Fee . Credit Score: 570 Credit Limit: 500 Age: 25-34. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. • Credit Limit. All of Barclaycard’s credit cards require at least a good credit score of 670 or higher to get a credit card approval. Surge definitely refers to the fees as in your fees will You May be Pre-Approved . See if you are Pre-Approved. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Went to their website and applied. Ranges from $75 to $99. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. When searching for the best credit card for you, there are several factors that you ought to consider. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers: To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. This is also a great way to learn more about various credit card offers from different issuers and weigh the benefits of each one. * Yes No ZIP CODE. They said I was approved for $500. Hi Beverly. Some inquiries, such as employment or pre-approved offers, will show only on a personal report pulled by you. If you have received a direct mail offer from us, please select the "Accept mail offer!" This content is not provided or commissioned by the credit card issuer. However, all credit card information is presented without warranty. But I was asked to deposit $150. The AvantCard Credit Card offers a chance to build credit without a security deposit. Credit Limit. At the same time, not being pre-approved for a specific credit card can be a strong indicator (but, again, not a guarantee) that you will be rejected if you apply for that card, so you may want to rethink your choice of cards. The Surge Mastercard® Credit Card is a no-frills Mastercard that offers a potential $300 to $750 credit line. Highlights. Credit Cards. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. Note: All pre-qualified offers are based on credit worthiness. Rates ranging from 25.90% - 29.99%. Overall Rating: I was quite ignorant when I got this card. The card … Issuers now allow you to view cards that you ’ re likely to get a credit or debit card and! A credit card issuer odds of approval through the credit card number and after that, will! 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