Is the Surge Credit Card legit?

Yes, the Surge Credit Card does a hard pull on your credit. You can, however, check if you pre-qualify with only a soft pull.

You can qualify for it even with a bad (300+) credit score, and could be approved instantly, if Celtic Bank can verify your identity. Otherwise, it may take up to 30 days to receive a decision.

You can call 1-866-449-4514 to check on your application status.

Don't forget: a hard pull...

It takes 1-3 months for OpenSky to improve your credit score, depending on how you manage the account. Nearly 50% of OpenSky cardholders who pay their bill on time in the first 3 months see credit score improvement of 30 points or more, according to the company.

The OpenSky® Secured Visa® Credit Card reports account information to the credit bureaus once a month. If the information that shows up on your credit reports is positive, it will improve...

You can build credit with a secured credit card in as little as one to six months, but it can take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you’re building credit from nothing or rebuilding damaged credit.

If you have no credit, you could see a good score after just a few months of paying on time. You’ll have a VantageScore...