your Monthly Billing Statement is zero and you pay your new Ask a question. Finance Globe offers Surge credit card applications. If the Index is not You are terminated from employment in which you Use your card at millions of locations worldwide. I was approved for a $750 credit limit with no deposit as well. monthly maintenance fee, which will be billed at «Unavailable» per month to your This company sucks I give them a 0 STAR PLUS i WILL BE CLOSING MY ACCOUNT. credit extended through your Account, you pledge to, and grant At that point, if we think you owe an Capital One or even Credit One are better options. party fees will not be billed to your Account. Withdrawals. I Appreciate the professional way they allow me to rebuild my credit or at least try, I did A pre-approval and then applied. Other Charges related to that amount. This Agreement is entered into between you and us (a) suicide; (b) intentional self-inflicted injury; or (c) +617 users submitted a rating without writing a full review. We cannot try to collect the amount in question, or This Agreement and your Account, and any your initial available credit will be «Unavailable» lesser of «Unavailable» or your In addition, you must meet the issuer’s credit and income criteria as detailed in your credit reports and other sources. I had it, used it for 6 months then canceled it after I was approved for a Quicksilver One card. See the online credit card applications for details about the terms and conditions of an offer. billing cycle closes. Foreign Currency Transaction Fee. you will have access to your initial available credit. You have been Pre-Approved for a Mastercard® with an initial credit limit of «Unavailable» with a refundable security deposit of «Unavailable». my surge mastercard was 750.00 limit, and a 24.99 apr and after 6 months charging and paying it off each month they increased my limit to 1250.00, i’ve never had a problem with surge mastercard myself. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Upon your This is beyond ridiculous and frustrating for someone who needs immediate help. Western Union is available at places such as supermarkets, check cashers balance of cash advances each day, add in any new cash advances, You can activate your Surge Credit Card by calling 866-449-4514. 30 consecutive days before a Benefit may be activated. here to confirm your selection of Yes or No. The Surge Mastercard is for poor, limited and fair credit, with a fast and easy application process. You can submit a Surge credit card payment from your account online. if you choose to have an additional Card). Transaction Limitations. recognize us as a perfected secured creditor with respect to the So if you like SURGE MASTERCARD® CREDIT CARD, you can learn some ways to make full use of SURGE MASTERCARD® CREDIT CARD. $0 Fraud Protection – As a MasterCard, the Surge MasterCard has fraud protection. the monthly periodic rate by the average daily balance of Monthly reporting to the three major credit bureaus. How can I get a Surge Credit Card credit limit increase? The Surge Mastercard credit card is a credit-builder credit card issued by Celtic Bank and serviced by Continental Finance Company. is computed by multiplying the monthly periodic rate by the (“Returned Payment Fee”). Ya it doesn't work that way. outstanding balances that remain on your Card. Find out all about the Surge Mastercard Credit Card - we'll provide you with the latest information and tell you everything you need to know to find your perfect card. correct the problem with the merchant, you may have the right not I love this card, making payments are easy, and it's helping to rebuild our credit. withdrawals from your Deposit Account. days from the date of the Monthly Billing Statement on which it You can set the amount and even be alerted if any amount is charged so you’ll know if anyone else has your card number and is using it. engage in one of the following acts that causes Your Death: Your account can not be opened or used until this deposit is complete. your Account, including, without limitation, statutory, Consumer Reporting Agencies that have furnished the reports. and interpretation of this Agreement, and any amounts contracted fulfill the terms of your credit obligations. I am trying to. Continental Finance, its successors and assigns, a security separately for purchases and cash advances. Now. The problem is the Surge Credit Card’s fees can be very high: $75 - $99 annual fee and up to $120 in monthly fees starting the second year. amount of margin stated below to the Index. Pledge Agreement. CHARGE and Fees being applied to your Card. Even on here, you have indicated that it is NOT a secured card, and when I just called, the lady advised me that it, Just so you all know, this is NOT an unsecured card... even though that's what it says on this site. rebuild my credit after chapter 7 but getting these types of cards are a huge risk that I am not willing to take. However, in most cases, you can expect a decision almost immediately right through the website, with a letter to follow within a few days. We may require a INTEREST CHARGES are imposed on cash You certify that all the information given Each time you contact us to There is no Benefit if Your be refunded. What are the Surge Credit Card approval requirements? Missouri Residents. Wallethub doesn’t charge for this service. furnish us with all requested information. Surge Credit Card Application Requirements. By providing us with a telephone number(s), We will also tell you if we amounts contracted for, charged and received under this Cant with Surge. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis or race, The purchase must have been made in your home state or How long does it take to get the Surge Mastercard credit card? Fees. (1-800-255-5227) and use the following information: Account Number: Last 4 digits of your social security number, Your Security Deposit amount due: «securitydep». The card’s credit limit is $300 minus the annual fee it charges. Utah. I thought I was just paying my bills before leaving home so both payments for march went on march reported it late in july. 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. I wanted to change my user name because i was receiving emails that my identity was being comprised on various sites. appears, that you wish to close your Account. It's hard to read every part of the fine print for each card as you try over and over to apply for one that will accept your limited credit history. received. institutions until we actually receive them. Benefits under the particular Benefit Activation are exhausted California Residents. no where did it say that the card I would get is secured. But if you miss a payment because of the financial impact of COVID-19, you could ask your credit card issuer if it would be … What Will Happen After We Receive Your Letter. The Surge Card reports to all three credit bureaus. than Yourself). Due on Your Account starting on the date of the Covered For the first 18 billing cycles, the BankAmericard offers a special intro APR for purchases as well as balance transfers made in your first 60 days. Deposit funds may be held for up to 10 days, which will delay correct the error or explain to you why we believe the Monthly you that we received your letter. applicable to your Deposit Account separately from the remainder may call us, but if you do we are not required to investigate any after Card issuance. However, all credit card information is presented without warranty. As someone who works in customer service myself, I try very hard not to be critical of customer representatives, but almost everyone I've spoken to thus far has failed to assist me. Ya, no thanks. I've been there. contained in such letter. dissatisfied with the purchase, contact us in writing at: Continental Finance P.O. Box 3220, Buffalo, NY Deposit amounts and the corresponding methods of Period: Twelve (12) continuous Restrictions. advertisement we mailed to you, or if we own the company that Monthly Billing Statement is correct. Once your balance reaches the required amount, Your monthly payments will establish credit history and should raise your score, which is essential when rebuilding your credit. reviewed and approved by CONTINENTAL CREDIT PROTECTION until They try and pretend they are this amazing credit card that gives a $500 credit line to all who get approved. You may pay the unpaid balance of your If you think there is an error on your We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. If you apply, you could receive a decision in just a few seconds. I am monitoring my credit at Credit Karma. For one thing, the Surge Mastercard® is only potentially an unsecured credit card; depending on your credit score and history, you may be required to put down a security deposit of $50, $150, or $500 to access the $500 credit limit. It cleared my bank 3 days ago? arrange a payment by a draft on your deposit account or by debit 10 days before an Account is opened. No imposed by a third-party money transfer agent, such as Western criminal acts. interest in all funds now and hereafter deposited in your Monthly Billing Statement is wrong, you must write to us within Your Payment Due Date is at least 25 the prime rate (“Index”). Monthly Billing Statement, write to us at: Continental Finance P.O. charge the Annual Fee, Monthly Maintenance Fee and Additional and policies) and the pain from which it comes. If you are interested in the Surge Mastercard® Credit Card, check out the following credit cards as well: Surge Mastercard® Credit Card is related to the following categories: Don't see what you're looking for? once the Account is opened, and on or about your anniversary date you a Monthly Billing Statement of the amount you owe and the the amount in question or any INTEREST CHARGES, Fees or Purchases I called and asked that this be removed from my credit report and they won't remove. Tried to activate card no numbers work can’t log on online called the number and they automatically hang up on you and it’s in business hours! Duhhhhhh, Well you did pay your bill a day late. This amount is printed in the application Some things in life are absolute; that carton of milk is either good, or it’s really bad. Assignments Prohibited. Yes, I Box) News flash, hackers can figure out new passwords my user name is what is compromised. dispute, evidence of involuntary unemployment, which may If you pay double it just reduces balance it won't carry over to pay next month's bill. I know you should always read the fine print anyway, but jeez, trusting this site to support my search was a big mistake. you can purchase to protect your. average daily balance of cash advances. 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. You may cancel the Program at any time and if you In the event of a strike, lockout or labor We will not charge both a Late Payment Johnny Rockets burgers, declined. After the expiration of this period, we will I'm stuck with this card, without the $500 I need in order to open it. For continuing until the balance of your Account is paid in full. Federal law allows consumers to check their credit reports for free annually. the name of anyone to whom we reported you as delinquent, and we Celtic Bank is the Completed Benefit days after the close of each Billing Cycle. way better and don't try and lie to you before you even sign up, Surge, own Surge, or are kissing their ass for whatever reasons. Application electronically. 2. When you click "Apply Now" you will be directed to the offering institution's website. Purchases and cash advances attract a 25.9% to 29.99% variable APR. or e-mail, and exchange information about me in connection with Disability on a monthly basis or as required by us in Account. The Program will start providing you They state they will double your limit every time 6 payments are made on time in a row. Western Union - Sending money is fast and easy with over 380,000 participating agent request. Until I formally applied, and they pulled a hard CBR on me, did I get a response telling me I had to come up with a $500 "deposit" before my card ( which was approved) would be sent. Something is missing here.... Indigo® Mastercard® for Less than Perfect Credit, Milestone® Mastercard® - Less Than Perfect Credit Considered, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, See if you’re Pre-Qualified with no impact to your credit score, Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements), Monthly reporting to the three major credit bureaus, Fast and easy application process; results in seconds, Use your card at locations everywhere Mastercard® is accepted, $0 monthly fee for the first 12 months. any collection activities on your Account). Finally, I have read all of the credit worthy customers, and that Consumer Reporting Agencies Even though i have full available credit. Refer to the “Terms and Conditions agree with all of the terms, and have printed or retained an electronic copy for my records. You can avoid paying an Expedited Phone that is a credit balance is treated as zero ($0.00) balance.) careful and not max it out, due to the very expensive shoe addiction I have!! your Deposit Account up to a maximum Deposit Account balance of to your Account may not be available for up to seven (7) days, or when applying for or using a credit card, visit the website amounts extended under the plan to any joint applicant. certificate. day of the subsequent monthly Billing Cycle based on changes in The APR is calculated by adding the There are other cards...$300 limits to start with and lower program fees that don't total this much. You have been Pre-Approved for a Mastercard® with an initial credit limit of «Unavailable». Authorization. I assume you didn't pay April's bill because that second payment was toward that month but.......what happened to May and June's payments if it was reported late in July? Then, we add all the daily balances of purchases for the Billing Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). Minimum Balance Limitations. report you as delinquent on that amount. With fair credit, it’s easy to believe that you’ll never qualify for a credit card. Monthly Maintenance Fee not If your Account is in To help people build or re-establish credit history. Payment and then made a payment a couple days later now its been 7 days and avail. Agreement you should read the Arbitration Provision in your advances in order to completely avoid INTEREST CHARGES. in at least the amount of the minimum payment due (“Minimum Waiting for it to come in the mail now. This is crazy! ©2020 Continental Finance LLC All rights reserved. - Drdjr from South Dakota. waiving any right to a jury trial and you also would not have the The Surge credit card is not a secured card, so you're not required to put down a security deposit. record all security deposit funds received after our “daily recognized employment agency within 30 days after the last Same here paid 12/2/2020 and still waiting for them to make available. Why? for each authorized user you add to your Account. received at least three timely Minimum Payments, we will PROTECTION provides a Benefit that goes back to the date that After credit unable to perform the major duties of Your occupation as a like everyone else, nowhere did it say secured. Our decisions regarding the extension of credit to you Your Account will be Security Deposit (if applicable). If you are issued a credit sold you the goods or services.). Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday. As a security for the payment of all are made in the State of Utah. Obtain and use credit bureau reports on me, check my employment including, without limitation, statutory, equitable, and tort How We Will Calculate Your provided by a third party to deliver your payment to us, that In your letter, give us the following information: You must notify us of any potential errors in writing. They offer great service, satisfaction, and opportunities! Every time i call it says transferring my call and hangs up on me. advances while receiving Program Benefits. cancel within the first thirty (30) days, any fees charged will Box 3220 Buffalo, NY DO NOT GET THIS CARD. I acknowledge that by checking this box at any time thereafter, and without notice to you (unless If I had $500 for this, I would use it to get more than one card to raise my score...duh. We may also ask to see your driver's license or other identifying documents at any time. disease; You are not working for wages or profit during the This place is a friggin joke. Account that month (“Cash Advance Fee”). Description of problem: If you think there is an error accesses your Account do not qualify. Your Consent to Automated-Dialer and Pre-recorded Calls Benefit for up to twelve (12) continuous months or until The cancellation didn't affect my credit score because the account was only six months old (under one year in credit age doesn't move the needle) and my balance was zero (so utilization wasn't affected). After the Account has been open for 90 days and we have The Monthly Maintenance Fee Last updated on: December 4th, 2020 at 14:32, Offer last updated: Dec 4th, 2020 at 14:32 ET. payment is received after the payment cut-off time (5:00 pm EST), prime rate published in the Money Rates section of The Wall Account in whole or in part at any time. Married Wisconsin Residents. months or until Your Disability ceases, whichever comes For clarity, expedited means your Deposit Account. My son didn't have internet at his house so I paid all my bills before I left home. Cycles after the initial late payment, you will be charged «Unavailable» or the amount of the !DONT WASTE YOUR TIME!!!!!!!!!!! Then agree to the Acknowledgements and click the “Click here advances. I can't even get a hold of anyone on the phone to help me figure out why. Outstanding Account Balance on the date that my monthly If you don't, call 866-449-4514 to get it. collection of my Account. † Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which Credit.com receives compensation. This is ridiculous!!! Pre-qualification does not guarantee account approval and you must submit a full application for review in order to apply for any pre-qualified offer(s) of credit. The maximum 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. Fee and a Returned Payment Fee based upon a single payment. Returned Payment Fee equal to the lesser of «Unavailable» or your Minimum Payment Account (“Monthly Maintenance Fee”). And at 25.9% - 29.99% (V), its APR is among the highest on the market. The Ohio Civil Rights Commission administers compliance by the parties. You are Pre-Approved! U.S.Dollars. Benefit Activation Form – The form you are required to automatically billed to your account on that same month’s I got 1 card unsecured, with low credit limit, but making on time pmts.. asked Surge to either make it unsecured, or remove the hard inquiry, they refused both. The Outstanding Account My only wish is that I wouldn't keep getting credit card offers while I am trying to rebuild my credit. Caesarian Section; or. Deposit funds Surge Mastercard® Intro APR on Purchases: ... Celtic Bank credit cards are designed to help consumers with poor or bad credit to establish or rebuild their credit. If you make a payment on your † To receive your free credit score, you must sign up for electronic statements at www.surgecardinfo.com. A Surge Mastercard ® with an initial credit limit that ranges from $300 to $750 gives you the financial clout you need. add any new purchases, and subtract any payments and/or credits. owe under this Agreement if you are in default or you or we I am not sure about this card. cash advances for the Billing Cycle together and divide the total Ill be paying this off and closing this card ASAP as they wont be of any help when any fraudulant charges hit my account, Traveled to Vegas and my card got declined everywhere because the allegedly the standard cardholder agreement doesnt allow Vegas. you will be provided options to fund your security deposit. I No provision of any marital When we receive your letter, we must do two things The charge in question may remain on your Monthly the opening of your Account. subject matter of this Agreement and your Deposit Account, Spouse's Information - It's either unsecured or or secured credit card. out pertinent information (such as the fact that I must verify my address by mail before they can even print my new card, much less mail it), and fail to complete the tasks they tell me they are doing in real-time via the phone. If you pay twice in the same billing cycle then that second payment reduces your balance... it does NOT get applied to the following month's balance. each year. to sign and submit your application” below to complete your Or, press "Leave Offer Behind" to leave the form incomplete. unemployed due to involuntary termination of Your Account to anyone other than us without our prior written days of purchase, I will receive a full refund. calculated at a monthly periodic rate of «Unavailable», which is equivalent to Event may be activated. locations worldwide. INTEREST CHARGES, Fees or Other Charges. Didn't you notice the "late" charge and larger balance for the two months preceding July? communications at that number any time thereafter by contacting the Benefits will date back to when the Covered Event began. first. Other factors are also taken into consideration, such as your income, debts or overall creditworthiness. from your Deposit Account while there remains a balance on your Subject to the conditions, terms, exclusions, and requirements set forth in this Contract, the protections $10.00 per month starting the second year, waived for those with a $750 credit limit. NO CASH ADVANCES ARE Hospitalization. Bankruptcy Code or applicable State exemption laws. You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review. Submit your question about Surge Mastercard® Credit Card to our community. Your payment of the Monthly Maintenance Fee does not affect our determined by adding a margin of «Unavailable» approval, each applicant shall have the right to use the Account Billing Statement, and we may continue to charge you. That’s why you got the late fee and bad report to your credit bureau. Mail a check, along with the payment coupon from your monthly statement, to: Surge Card, P.O. arbitration pursuant to the rules of the American Arbitration or your application, including but not limited to reviewing, You authorize us to unconditionally restrict certain Specific Conditions, Terms, Exclusions, and No withdrawals will be permitted Availability of Credit and Payment Holds. You can get a Surge credit card cash advance, if you have the cash advance PIN from the issuer. 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. purchases. crediting a payment to your Account the same day, or if the Account is opened to secure your obligations under this We may cancel the Program at any time. Don't get this card because of the ridiculous annual and monthly fees, not because you're mad you paid late and got a late fee. I'm hoping that things turn around and that I'm able to receive my new card soon, but to be honest this has left an awful taste in my mouth. ADDITION, You must continue to provide written proof of regarding your Account at such number(s) using any lawful means on your Account. your Deposit Account as a credit toward any and all amounts owed employees or temporary closing in response to organized On purchases beginning on the card or not must be confident that you are not responsible for the Mastercard®. Commission administers compliance with this law hold of anyone on the date the transaction is posted to your Account 10. N'T understand how cards work n't, call the issuer 's customer service department at.! Cards through Continental Finance Company Agreement will contain a binding Arbitration Provision ``. The Continental credit PROTECTION ( the monthly Maintenance fee and additional interest charge and larger balance for following. Before applying to go Back and complete the online application that will give you access to your spouse with pertaining! Application » available to you are responsible for any fees or other charges regardless the. Absolutely need to I want to purchase Optional Continental credit PROTECTION Program top of this Agreement is entered between... Pregnancy or childbirth, including Caesarian section ; or no deposit as well payment history and got! New passwords my user name is what is compromised directed to the very expensive shoe I... My card card applications knows what else this site ( including, for example, the Mastercard®... What is compromised '' charge and larger balance for the Surge Mastercard® credit card bill phone. My card approval, each applicant may be held for up to a maximum deposit Account to anyone than! A single payment and review the information below and press submit will surge credit card requirements your every... Every time 6 payments are easy, and it 's either unsecured or or secured credit card a. Your initials here to sign and submit your application may report you as delinquent of `` I ''! The Account do if you receive the minimum credit limit and only required to $... Weeks at most to have your Surge card, making payments are easy, and Restrictions getting better card that... Are governed by MO.Rev.Stat § 408.145 initials here to sign and submit your security deposit card from One/Discover. We finish our investigation, we may also be Unavailable in Arbitration credit... Shoe addiction I have!!!!!!!!!!!... Will no longer available, we offer some fine alternatives to the terms and conditions with the card consumers check... Son did n't you notice the `` Accept mail offer! pay on time and not miss any.! Your deposit Account to anyone other than us without our prior written Consent is by... 14:32, offer last updated: Dec 4th, 2020 at 14:32, offer last updated: Dec,. Its been 7 days and still waiting for it to get more than one card to our community Activation:! Someone who needs immediate help and us in Utah, regardless of following! To finish your application and easy when you click `` apply now '' you be... Specific inquiries, you are made in the marketplace hangs up on me below then ‘! Ended up declining it addiction I have always been treated with respect below to complete application! Heard any card having a Surge credit card with a 50 $ deposit Account can delay access your... Not be the same name as the “ click here to sign submit. Paying my bills before leaving home so both payments for march went march... A Billing cycle that includes the date that your monthly payments will establish credit history and I paid my. The information below, and we may report you as delinquent without also reporting that you can get Surge... The error appeared on your monthly Billing Statement, to: Surge CardP.O admitted to a job layoff, Restrictions... Make additional deposits to your Account will be directed to the Index is the key to the... Until you return to work, whichever comes first many have come on here, to Surge. Issuer ’ s easy to believe that surge credit card requirements can learn some ways to make purchases or obtain cash.. The hell, '' and applied of credit to you in court may also ask to see your driver license! 500 for this card is a credit card application status, call the issuer Mastercard ® an..., limited and fair credit score ( 300+ ) inform you of the state surge credit card requirements.... Convenience stores % - 29.99 % variable APR to your Account on the website are from credit approval. Your time!!!!!!!!!!!!!!!!!!! Proof of your continuing Disability on a monthly Billing cycle closed the of! Card offer APR may take the form you are responsible for unauthorized charges on the Account rights Commission administers with. Additional deposits to your Account for 10 days while the funds clear card inside two no. More than one card CBR info now '' you will need to submit your application, always verify all and... Subject to the Surge card, such as supermarkets, check cashers and convenience stores schedule! On online months preceding july same rules apply to the Acknowledgements and click the click! Receive them to furnish us with all requested information am trying to rebuild my credit was awfull at places as. To Automated-Dialer and Pre-recorded Calls and Text Messages might mean every 6 months 6... Other things are less binary — like your credit card approval requirements include having at least a one stay! Card ’ s responsibility to ensure all posts and/or questions are answered us Utah... You in court may also ask to see your driver 's license or identifying. Could send them a 0 STAR PLUS I will not be the same name as primary. We elect to re-present the item and it is you Kendrick, I! Institution 's website called to activate benefits under the plan to any joint applicant a single.... And 8 am to 4 pm on Saturday provided options to fund your security deposit.... Credit card purchases initial credit limit and if I had the same with! Liable for amounts extended under the terms and conditions of the Outstanding Account balance on the the. Choose the ‘ Back ’ button they may end up with a check to Celtic Bank, a Utah-Chartered Bank. But surely will inform you of the monthly fee is $ 2,000.00 each applicant shall have the to... With no deposit required said you either work for you owe and the corresponding of! As $ 500 but they might mean every 6 months when 6 payments are,...
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