The Reflex credit card's starting credit limit is $300 to $1,000, depending on your overall creditworthiness. If you make at least the minimum payment by the due date each of the first six months, your credit limit will be doubled.
Reflex is an expensive starter credit card with annual fees of $75-$99. That could be accompanied by a $10 monthly fee starting the second year. The card’s regular APR is also high, at 24.99% to 29.99% (Variable). If you choose this card, you’ll need to watch out for the 3% foreign transaction fee and hefty late fees, too.
On the bright side, you can prequalify for it, which means your credit score won't suffer in case you aren't suited for it or change your mind.
By phone: To contact the Reflex customer service, call (866) 449-4514. The automated service is available 24/7, while customer service representatives are reachable from 7 a.m. to 12 a.m. on weekdays and from 8 a.m. to 8 p.m. on Saturdays and Sundays.… read full answer
By mail: You can send your customer service inquiries to the following address: Reflex Card P.O. Box 3220 Buffalo, NY 14240-3220
Keep in mind that you can also access information about your Reflex Mastercard® through your online account or through the mobile app for Android and iOS.
The easiest way you can pay your Reflex Credit Card is either online or over the phone, by calling (800) 518-6142. Alternatively, you can pay your credit card bill through the mobile app for iOS and Android, or via mail.
Phone: If you prefer to make a payment over the phone, call customer service at (800) 518-6142.
Mobile app: You can also pay your Reflex Credit Card through the mobile app for iOS and Android.
Mail: Lastly, you can send a check or money order (but not cash) to the following address: Reflex Card P.O. Box 6812 Carol Stream, IL 60197-6812
Just keep in mind that mail payments need to be sent at least 5-7 business days prior to your due date to make sure they arrive on time. Meanwhile, online and phone payments only take 1-3 business days to post.
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