How often does Surge increase your credit limit? This question is about the Surge® Platinum Mastercard®

How often does Surge increase your credit limit?

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This question is about the Surge® Platinum Mastercard®

Chip Lupo, Credit Card Writer

@CLoop • 01/13/22 This answer was first published on 01/13/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Surge® Platinum Mastercard® may increase your credit limit after the account has been open for 6 months or longer, though you will need to request this increase yourself. The card’s issuer, Continental Finance, does not disclose a particular timeline for getting another credit limit increase after the initial one. A good rule of thumb is to wait at least 6 months between each time you request a credit limit increase. It’s also best if your credit score and income have improved during that time, and your existing debt has decreased.

To ask for a credit limit increase, you can contact customer service at (866) 449-4514. You will have the best chance of getting a Surge Credit Card credit limit increase if you have made all of your monthly payments on time and have kept your credit utilization low.

It’s also possible that you could get an automatic credit limit increase on your Surge Credit Card. However, this is never guaranteed, so if you want an increase, it’s better to ask for one directly.

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Does Surge increase your credit limit?

Yes, the Surge Credit Card will consider you for a credit limit increase if you make the first six monthly payments on time. After that, the Surge Credit Card’s issuer, Continental Finance, will continue to evaluate your account periodically to give you the opportunity for even higher Surge Credit Card credit limits.

Requirements for a Surge Credit Card Credit Line Increase... read full answer

Keep your account open for at least six months.

Make at least minimum monthly payments.

Pay your credit card bill on time.

Keep your balance under the credit limit.

Have enough income to afford minimum payments for a higher credit limit.

For the best shot at getting a credit limit increase offer, keep your income information up to date and maintain a good payment history.

You can also request a review of your account any time by calling customer service at 1-866-449-4514.

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Can I have more than one Surge Credit Card?

No, you cannot have more than one Surge Credit Card. But it wouldn't be worth it, anyway, considering the high fees associated with it.

If you would like to apply for a second credit card, it's better to choose a secured card with lower fees instead. You can check out our editor's picks for the ... read full answer best secured cards to find one for your needs.

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What credit bureau does the Surge Credit Card use for approval?

The Surge Credit Card uses TransUnion for approval. For reporting your financial activity, on the other hand, it uses all three major bureaus. So besides TransUnion, count on your Experian and Equifax reports being updated as well.

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