How do I apply for the Surge Credit Card? This question is about the Surge® Platinum Mastercard®

The easiest way you can apply for the Surge Credit Card is online. Alternatively, you can apply for this card over the phone by calling (866) 513-4598. It’s also worth noting that the Surge Credit Card accepts people with bad credit. When you apply for this card online, the issuer requires you to check for pre-approval first. So, you will have a good idea of your approval odds before submitting your application. Plus, checking for pre-approval only triggers a soft pull that doesn't hurt your credit score. How to Apply for the Surge Credit Card Online Visit the Surge Credit Card reviews page and click on “Apply Now.” Enter your name, address, and email address. Answer if you have an active checking account or debit card. Certify that you are a U.S. resident over the age of 18. Click on “See My Card Offers.” Most applicants receive a decision in seconds. If you’re not immediately approved or denied, allow up to 30 days for the issuer to review your application. You can also check your Surge Credit Card application status at any time, by calling customer service at (866) 449-4514.

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How do I apply for the Surge Credit Card?

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This question is about the Surge® Platinum Mastercard®

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Maria Adams, Credit Cards Moderator

@m_adams • 10/25/22 This answer was first published on 10/25/22. 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 easiest way you can apply for the Surge Credit Card is online. Alternatively, you can apply for this card over the phone by calling (866) 513-4598. It’s also worth noting that the Surge Credit Card accepts people with bad credit.

When you apply for this card online, the issuer requires you to check for pre-approval first. So, you will have a good idea of your approval odds before submitting your application. Plus, checking for pre-approval only triggers a soft pull that doesn't hurt your credit score.

How to Apply for the Surge Credit Card Online

Visit the Surge Credit Card reviews page and click on “Apply Now.”
Enter your name, address, and email address.
Answer if you have an active checking account or debit card.
Certify that you are a U.S. resident over the age of 18.
Click on “See My Card Offers.”

Most applicants receive a decision in seconds. If you’re not immediately approved or denied, allow up to 30 days for the issuer to review your application. You can also check your Surge Credit Card application status at any time, by calling customer service at (866) 449-4514.

Answer Question

What are my Surge Credit Card approval odds?

Your Surge Credit Card approval odds are pretty good as long as you aren’t carrying too much debt and you don’t have major red flags such as an ongoing bankruptcy on your credit report. You’ll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn’t hold you back.... read full answer

The Surge Credit Card can help cardholders build or rebuild their credit scores. But before applying for the Surge Credit Card, you should compare it to the other credit cards for bad credit that are currently on the market, to make sure you find the right fit. If you end up getting denied for the Surge Credit Card, consider applying for a credit card with no credit check.

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Does the Surge Credit Card do a hard pull?

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.... read full answer

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

Don't forget: a hard pull will cause your credit score to drop a few points for a short period of time.

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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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