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Surge MasterCard®

Monthly reporting to the three major credit bureaus

Credit Recommended:

Fair/Bad

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    CARD TYPE: Unsecured

    Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.

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    WHO CAN GET IT: Consumer

    These credit cards are for the average consumer who needs a credit card for personal use.

ABOUT THE CARD
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
RATES & FEES INFORMATION:
  • PURCHASES
    Intro APR on Purchases:
    N/A
    Regular APR:
    See Terms*
    Minimum Grace Period:
    See Terms*
  • BALANCE TRANSFERS
    Intro APR on Balance Transfers:
    N/A
    Regular APR:
    N/A
    Balance Transfer Fee:
    N/A
  • CASH ADVANCE
    Intro APR on Cash Advances:
    N/A
    Regular APR:
    See Terms*
  • FEES
    Annual Fee:
    See Terms*
    Application Processing Fee:
    N/A
Surge MasterCard®

Questions & Answers about the card:

How do I know if I qualify for an unsecure or secured account?

After you submit your application, the issuer will review all provided information and will decide whether you qualify or not. If you qualify for an unsecured account, the issuer will send you an approval notification online. If you are approved for a secured credit account, the issuer will send you an e-mail where the amount of the security deposit will be provided. You can pay the security deposit over the phone or online using the link provided by the issuer.

Do I qualify if I have bad credit?

You may qualify even if you have bad credit. The card is designed for people whose credit is bad, so your chances are not zero. Note that you still need to answer some minimum requirements to qualify. Notably, you should be a U.S. resident of at least 18 years of age, have a social security number, physical address, and you should have a stable source of income.

Will this card help me to build good credit?

Yes, provided you make all monthly payments with all your creditors on time. Making regular on-time monthly payments, you demonstrate your good financial responsibility that lenders look for when evaluate your creditworthiness. The credit card payment history is reported to the credit bureaus and it makes 35% of your credit score. So you can build good credit using this card.

I can’t activate my card online, what should I do?

The online activation is not always available. However, you should be able to activate your card over the phone. To do that, you should use the phone number provided on your credit card agreement or credit card itself. You may also find a toll-free number printed on the sticker affixed to your new card. As a rule, you should have 30 days to activate your new card.