This card allows you to build credit with an annual fee and an initial limit of at least $300. After six months, this limit can increase. Additionally, the card doesn’t require a security deposit.
Surge Mastercard®
Mobile App Credit ProtectionWith a fair annual fee and an initial credit limit of at least $300 (which can be increased over 6 months), this card will help you build dignified and respectful credit without an expensive deposit.
Other card details
The Surge Mastercard is issued by Celtic Bank and is designed for people with poor credit or no previous credit history. These people can safely and efficiently develop their credit with this card.
Anyone can apply for this credit card, regardless of their credit history. it’s a safe way for people with no credit history or bad credit to develop their credit rating.
It’s easy to improve your credit by using credit cards wisely. This means making on-time payments, keeping credit card balances low, and making sure none of your cards are maxed out.
Doing these things will have the greatest positive effect on your credit score. Furthermore, Continental Finance encourages reporting payment history to all three major credit bureaus: Equifax, TransUnion, and Experian. By doing this, they claim it’ll be easy to build a healthy credit history.
The Surge Mastercard is a helpful tool for improving your credit history. It has an annual fee that’s determined by the customer’s credibility. Additionally, the card has a monthly maintenance fee that begins after the second year of card ownership. Extra fees are charged for authorized users, such as cash advances, and foreign transactions.
Learn more about the Surge Mastercard®
By using your Surge Mastercard account responsibly, you can gradually improve your credit score. Not all credit card issuers report to the credit bureaus, which is an important consideration for anyone looking to build their credit easily.
By making small monthly purchases using your Surge Mastercard, it’s possible to significantly improve or strengthen your credit rating. You can use the card for regular costs such as groceries, gas, and shopping at the mall. As long as you pay your bill on time, early, or regularly, potential credit damage will be minimal. Additionally, keeping your credit usage low can greatly benefit your score.
Your credit score is affected the most by factors related to credit usage. Experts recommend keeping your credit usage below 30% and ideally below 10%. One of the biggest factors is the balance of your cards; you should keep balances below $150 if your card limit is $500. For example, someone with a $500 limit should keep their balance below $75. Additionally, this card comes with an initial limit of between $300 and $1,000.
Other Benefits of the Surge Mastercard®
- Increase your credit limit: Make your first 6-month minimum payments by the due date and your credit limit can be up to $1,000, which can double to $2,000!
- Reports monthly to the three major credit bureaus – TransUnion, Experian, and Equifax.
- Accepted anywhere that accepts Mastercard
- $0 Fraud Liability Protection: You are not responsible for unauthorized charges to your credit card.
- Initial Line of Credit: At least $300 in credit upon approval
- Sign up for e-statements and access your Experian Vantage 3.0 score for free
A Simple Guide to Applying for Your Surge Credit Card
Applying for a Surge Credit Card can be a straightforward and rewarding process. Whether you’re looking to build credit or need a reliable payment option, the Surge Credit Card offers numerous benefits. Here’s a step-by-step guide to help you through the application process.
- Step 1: Check Your Eligibility Before applying, ensure you meet the Surge Credit Card eligibility criteria. This includes being 18 years or older and having a valid Social Security Number. It’s also wise to check your credit score, as this card is tailored for those looking to improve their credit.
- Step 2: Gather Necessary Information Prepare your personal information, such as your full name, address, income details, and employment information. Having these details at hand will make the application process smoother.
- Step 3: Visit the Official Surge Credit Card Website For a secure application, visit the official Surge Credit Card website. Avoid third-party websites to ensure your personal information is protected.
- Step 4: Fill Out the Application Form Complete the online application form with your details. Be thorough and double-check for accuracy to avoid any delays in your application.
- Step 5: Review and Submit Before submitting, review your application for any errors. Once you’re satisfied, submit your application.
- Step 6: Await Approval After submission, you will typically receive a response quickly. If approved, your Surge Credit Card will be mailed to you.
Remember, applying for a credit card is a significant financial decision. Always read the terms and conditions carefully and consider how it fits into your financial planning.
The U.S. Bank Altitude Go Secured Card 
The Sable Secured Credit Card 
The U.S. Bank Cash+ Visa Signature Credit Card