What are my Surge Credit Card approval odds?

The easiest way you can pay your Surge Credit Card is either online or by phone at (866) 513-4598. Alternatively, you can pay your credit card bill by mail. More specifically, the Surge Credit Card’s payment methods are as follows:

• Online: If you want to make an online payment, enroll in Online Banking Service... read full answer. You will also be able to receive online statements and view important info about your Surge Credit Card.
• By phone: You can also pay your Surge Credit Card bill by phone, at (866) 513-4598. Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday.
• By mail: Surge card payments can also be sent by mail. Mail a check, along with the payment coupon from your monthly statement, to:
  Surge Card
  P.O. Box 6812
  Carol Stream, IL 60197-6812

Keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.

Yes, the Surge® Platinum Mastercard® is legit. The Surge Credit Card is legit because it is issued by Celtic Bank, an FDIC member that has a "B-" rating with the Better Business Bureau, in partnership with Continental Finance. The Surge Credit Card also reports information to the major credit bureaus each month.

Why The Surge Credit Card is Legit... read full answer

• Issued by Celtic Bank, an FDIC member that has a "B-" rating with the Better Business Bureau, in partnership with Continental Finance.
• Rated 2/5 stars by WalletHub editors.
• 3.5 / 5 average user rating on WalletHub.
• Reports to all three of the major credit bureaus: Equifax, Experian, and TransUnion.
• $0 fraud liability guarantee.

In addition, the Surge Credit Card is legit because it’s on the Mastercard credit card network, meaning you can use the card anywhere Mastercard credit cards are accepted.

To contact the Surge® Platinum Mastercard® reconsideration line, call 1 (866) 449-4514. The Surge Credit Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Surge Credit Card, the reconsideration line is the same as the general Celtic Bank customer service number.... read full answer

If you call to request reconsideration from Celtic Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.

For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.