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

How often does Surge increase your credit limit?

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.

Permalink Report Abuse

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.

see this user

Perry Ward, Member

@roostercruiser6 • 04/12/23 This answer was first published on 04/12/23. 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.

Permalink Report Abuse

They raise your limit 300 every 6 months

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

Keep your account open for at least six months.
Make at least minimum monthly payments.
Pay your...

read full answer

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 best secured cards to find one for your needs.

read full answer

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.

read full answer

Did we answer your question?

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.