Maria Adams, Credit Cards Moderator
@m_adams
The main Surge Credit Card approval requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments. The Surge Credit Card accepts people with bad credit.
Surge Credit Card Approval Requirements
- At least 18 years old
- Physical U.S. address (no P.O. boxes)
- Proof of enough income to make the monthly minimum payment
- Social Security number or ITIN
- Checking or savings account
If you apply for the Surge Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
When you submit a Surge Credit Card application, it’s possible to receive a decision in just a few seconds. But it could also take up to 30 days for the issuer to verify your identity or eligibility.
Things to Consider Before Applying for the Surge Credit Card
The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax.
But you should keep in mind that it comes with pretty high fees and APRs. More specifically, the card has a $75 - $125 annual fee, a monthly fee ($0 1st yr, $12.50 after) and a 35.90% (Fixed) regular APR.
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People also ask
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.
The Surge Credit Card can help cardholders build or...
read full answer by Chip Lupo, Credit Card WriterIs the Surge Credit Card easy to get?
The Surge® Platinum Mastercard® is easy to get because it is available to people who have bad credit or better. As a result, most people stand a good chance of qualifying for the Surge Credit Card, as long as they have enough income to afford the payments.
Surge Credit Card Requirements
- Credit requirement: bad credit or better
- Age requirement: 18+
- Citizenship requirement: U.S. citizen or permanent resident
- ID requirement: SSN
- ...
Is the Surge Credit Card a good first time credit card?
The Surge® Platinum Mastercard® works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $75 - $125, and a monthly fee after the first year.
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You can learn more about the best first-time credit cards on WalletHub.
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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