The Surge Credit Card approval requirements include having at least a bad or fair credit score (300+). Other factors are also taken into consideration, such as your income, debts or overall creditworthiness.
If you apply, you could receive a decision in just a few seconds. But it could also take up to 30 days for Celtic Bank to verify your identity or eligibility.
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: $75 - $99 annual fee, up to $10 monthly fee starting the second year and 25.9% - 29.99% (Variable) regular APR.
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