Surge Credit Card – Apply Online Surge Mastercard®

With the Surge Credit Card Mastercard® pre-qualification process, there is no impact on your credit score. At first glance, it might seem like you’re paying a huge fee, but if you’re like most people, you’ll find the benefits of using this credit card outweigh the cost. It is ideal to note that this card is for individuals looking to enhance and improve their credit score!

Surge Credit Card Mastercard® Summary

If you’re like most people, you’ve probably been told by a bank representative that you’ll need a good credit score to qualify for a credit card. While there is truth in this statement, it certainly is not restricting you in any way. If you have a bad credit history, there are solutions and products for you as well. A good credit score certainly helps in your application process and securing a credit card with great rewards and benefits, and a lower interest rate. Financial institutions realize that not all people have an excellent credit history, therefore, they have created credit cards for individuals with less than excellent credit scores. This generally means that the lender will have fewer rewards and benefits with higher interest rates.

Surge Credit Card MasterCard®

Surge Credit Card’s Key APRs & Fees

Cash Advance APR24.99% – 29.99% (Variable)
Cash Advance Fee5% (min $5)
Annual Fee$75 – $99
Foreign Transaction Fee3%
Regular APRN/A*
Intro APRN/A*
Max Penalty APRN/A*
Credit Score RecommendedBad Credit
Smart ChipYes
Max Late Fee$40
Grace Period25 days

In this article, we will look at the Surge Credit Card MasterCard® and its benefits to you as an individual with a bad credit score. We will outline the factors why this credit is suitable for you and how you can leverage their program to increase your credit score. The ultimate goal is to have your credit score improve and give you the ability to apply for credit cards with better interest rates and better rewards like cashback returns or points systems.

Surge Credit Card Mastercard® can assess your application in a matter of minutes and let you know if you pre-qualify before you even get to the application process. This pre-qualification process saves you from having to worry about a credit check. A hard check on your credit report can take away 5-10 points from your credit score. So, the pre-qualification allows you to find out if you are an ideal candidate before you submit your application to run a hard check on your credit report. After it is declared that you are eligible and have pre-qualified for the credit card, this is generally a great indication that you are a good candidate for this credit card program, you can now fill out the application with high hopes that your application will be approved.

For the application process, what you need to do is go online, and fill out all the necessary information that has been requested on the form. Make sure to be accurate and precise with the information you provide them with, as the lenders are very selective when approving candidates. After you have filled out the application, the waiting period begins which is usually from 2 days to 14 days. If approved, you can expect to receive the approval confirmation through text, email, and/or mail. When you get your card, you will need to activate it first by calling the bank and start using the card at any place that accepts Mastercard.

A Complete Review of Surge Mastercard®

This is a complete review of the Surge Mastercard® and its offers to provide instant access to your pre-qualified credit card without negatively affecting your credit score.

What makes the Surge Mastercard® suitable for you

Boost Your Credit Score: The Easy Way with Surge Credit Card Mastercard®

Surge is a credit card that helps you increase your credit score. The bank starts you off with a lower credit limit. Based on your profile the limit could be anywhere from $300 to $1000. The bank has an incentive program to pay your credit card bills on time and they will increase your credit limit. If you make your payments on time for the first 6 months, up to the $1000 credit limit, your credit limit will be doubled up to $2000. Fortunately, the bank reports to all three major credit bureaus (TransUnion, Equifax, and Experian). As you make your payments on time, your credit report will be regularly updated with all the credit agencies, this means your score will start to increase and will be reflected in your credit reports immediately.

If you want a great way to boost your credit score, then you might want to consider taking out a Surge Credit Card. Surge Mastercard® is one of the leading cards for boosting your credit score. In the future, as you improve, it will make it easier for you to apply for a mortgage, car loan, or any other type of major loan.

How Surge Mastercard® Works

The Surge MasterCard® system is fairly straightforward to use. We already mentioned the process of application earlier but would like to reiterate the process here as well:

  • See if you pre-qualify – there is no credit check. Bank uses this to determine if you are eligible and a good fit to apply.
  • Apply Online – The bank usually processes applications in a matter of a few days – you can expect to hear back within 14 days.
  • Activate the credit card by calling the bank.
  • Start using the card at any location that accepts Mastercard® – Domestically or Internationally.

Is Surge Mastercard® Worth It?

Certainly! The reason why we say this is a great card, it’s because of the fast, quick, and high approval ratio Surge Mastercard® has! This card is designed as a solution to help individuals like yourself to increase their credit scores. Lower credit limits will keep your spending limited and allow you to pay your bills with little to no hardships. You can take advantage of their service and shortly you will have better financial health.

Summary: Pros and Cons of Surge Mastercard®

Initial Credit limit up to $1000Annual fees
Double your credit limit within 6 monthsHigh-interest rates
Buying power of a Mastercard 
No hidden fees 
Mastercard zero liability protection 
Reports to all 3 major credit bureaus 


How can I pay my Surge Credit Card?

There are a few ways you can pay off your credit card payments. The best way and hassle-free way would be to pay it off online or through phone at (866) 513-4598. The Surge Credit Card’s payment methods are as follows:

Online: enroll in Online Banking Service. This will give you wider access and control over your account. You can pay off your bills but also receive online statements, view important info about your Surge Credit Card, and make other financial requests available in your account.

By phone: (866) 513-4598 – Phone payments can only be done during specific business hours – 7 am to 10 pm, ET Mon–Fri, and 8 am to 4 pm on Saturday.

By mail: Mail a check, along with the payment coupon from your monthly statement, to

Surge Card, P.O. Box 6812, Carol Stream, IL 60197-6812

How do I check my Surge Credit Card application status?

Surge Mastercard® is fast with its application process. You can expect a decision almost right away after applying but you can also expect a letter in the mail within a few days. You can also check to see your application status through the phone by calling the customer service department at (866) 449-4514.

How can I get a Surge Credit Card cash advance?

Using this phone number: (866) 449-4514 – call the bank to set you up with a PIN that would allow you to enter your card at an ATM service for cash withdrawal. The key thing to remember here is that cash advances are extremely expensive, so one should only take them out when necessary.

How do I log into my Surge Credit Card account?

You will need to use Continental Finance’s Online banking platform to access your online account. You may need to register for the online account if this is your first time coming to the platform – you can

simply register by clicking the “register now” button on the website. You will have access to all your financial inquiries.

How can I activate my Surge Credit Card?

For security reasons, new cards and reissued credit cards can only be activated through the phone. You will have to call 866-449-4514 – to activate your card.

How long does it take to get the Surge Mastercard® credit card?

You can usually hear back fast from the bank but, it could take up to 14 days for the card to arrive in the mail.

Will the Surge Credit Card help improve my credit score?

The answer is Yes! But, the card is only going to help if you are disciplined! You will need to make payments on time, no late payments as they hurt the credit card significantly.

When will my Surge Credit Card payment post?

For all your transactions, it usually takes 2 to 3 business days for any credit card payment to show as posted. You have options on sending the payment back to the bank.

What’s the initial Surge Credit Card credit limit?

The Surge Mastercard® comes with an initial credit limit of $300 and that is quite reasonable. The initial credit limit also depends on your credit report and credit score. The credit limit you receive could be higher.

How can I download the Surge Credit Card mobile app?

The Surge Credit Card App is available on both platforms, Google Play and App Store. It is called “CFC Mobile Access.”

Is the Surge Credit Card legit?

Yes, most certainly! The Surge Credit Card

Mastercard® is legitimate because the financial institution that issues the card is the Celtic Bank in partnership with Continental Finance. Your credit information is also reported to all the 3 major credit bureaus regularly.

What’s the due date for the Surge Credit Card?

The due date for all the payments is 25 days after the closing date of your billing cycle, which means you will have to pay the bill before that date. If you pay within that time frame, you will not incur any late fees or interest charges.

What are the Surge Credit Card rewards?

This card is designed as a solution for individuals who are trying to recover and increase their credit scores. There are no rewards with this card at the moment.

How much is the Surge Credit Card cash advance limit?

You are free to take out as much cash you may need towards the limit of your credit limit allowance. Although, there is a restriction to how much you can withdraw per day. This may be discussed with a bank representative to see if the daily limit can be increased.

How can I pay my Surge Credit Card with a debit card?

You have multiple options:

  1. You can directly pay using your debit card through online banking with your current bank.
  2. You can use the CFC Mobile Access app n Android or iOS.
  3. You can also pay over the phone by calling (800) 518-6142.

How can I add a Surge Credit Card authorized user?

You can use the helpline to call and add the authorized user to your account at 1-866-449-4514 or you can also state the authorized user at the time of the application process.

You will need to understand that the responsibility of repayment of any purchases made by the added user is still on you as the cardholder.

Does the Surge Credit Card do a hard pull?

Like any other credit card, Surge Mastercard® also does a hard credit card pull when you submit the final application for approval. Surge Mastercard® does allow for a pre-qualification assessment where you can see if you are eligible to apply for the credit card or not. If the bank says you may pre-qualify, this is usually a good sign that you are eligible for the application.

Where can I check my Surge Credit Card balance?

You can check your balance through the app that you can download from Google Play or App Store. You can also check your balance by calling in at 1-866-449-4514 and using the automated information service.

Final Words

When looking for a new credit card, your priority should be to check and see what kind of interest rate they are offering and if they have any rewards. Given that you are in a situation where your credit score falls under bad credit, most to all credit cards do not offer rewards and higher interest rates. Surge Credit Card Mastercard® is designed to help you boost your credit score. So, you should consider this card as one of your higher priorities as they start you off with a lower credit limit that you can increase within 6 Months by proving to the bank that you have great financial discipline. The credit card is widely accepted domestically and globally. Anywhere a Mastercard is accepted, Surge Mastercard will work.

All in all, we suggest the Surge Mastercard® has great potential in offering you the right solution for improving your credit.

  1. Pre-qualification – find out in minutes if you are an eligible candidate
  2. Fast approval process
  3. Double your credit limit within 6 months
  4. Increase your credit score
  5. Mastercard Zero fraud protection insurance

All the mentioned above are the benefits of applying and using the Surge Mastercard®.