Does the Surge Credit Card have pre-approval? This question is about the Surge® Platinum Mastercard®

Yes, the Surge Credit Card does have pre-approval. Celtic Bank has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Celtic Bank credit cards before they actually apply for one. Current Celtic Bank customers may also receive pre-approved offers periodically by e-mail. And in some cases, Celtic Bank will send people pre-approved offers for a specific credit card in the mail. Getting pre-approved for a Surge Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed. How to Check for Surge Credit Card Pre-Approval Online Click “See If You Pre-Qualify” on the Celtic Bank website. Log in to your Celtic Bank account. Enter your full name, address, date of birth, phone number, Social Security number, email address and your monthly income. Click “See My Card Offers” to view any pre-approved offers. If you are pre-approved online, you will see all Celtic Bank credit cards that will give you the highest odds of approval, which may or may not include the Surge Credit Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page. To respond to a Surge Credit Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Celtic Bank to flag the application as pre-approved. Surge Credit Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Surge Credit Card, Celtic Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

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Does the Surge Credit Card have pre-approval?

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This question is about the Surge® Platinum Mastercard®

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Chip Lupo, Credit Card Writer

@CLoop • 07/13/22 This answer was first published on 07/13/22. 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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Yes, the Surge Credit Card does have pre-approval. Celtic Bank has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Celtic Bank credit cards before they actually apply for one. Current Celtic Bank customers may also receive pre-approved offers periodically by e-mail. And in some cases, Celtic Bank will send people pre-approved offers for a specific credit card in the mail.

Getting pre-approved for a Surge Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.

How to Check for Surge Credit Card Pre-Approval Online

Click “See If You Pre-Qualify” on the Celtic Bank website.
Log in to your Celtic Bank account.
Enter your full name, address, date of birth, phone number, Social Security number, email address and your monthly income.
Click “See My Card Offers” to view any pre-approved offers.

If you are pre-approved online, you will see all Celtic Bank credit cards that will give you the highest odds of approval, which may or may not include the Surge Credit Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.

To respond to a Surge Credit Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Celtic Bank to flag the application as pre-approved.

Surge Credit Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Surge Credit Card, Celtic Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

Answer Question

Does Surge increase your credit limit?

Yes, the Surge Credit Card will consider you for a credit limit increase if you make the first six monthly payments on time. After that, the Surge Credit Card’s issuer, Continental Finance, will continue to evaluate your account periodically to give you the opportunity for even higher Surge Credit Card credit limits.

Requirements for a Surge Credit Card Credit Line Increase... read full answer

Keep your account open for at least six months.

Make at least minimum monthly payments.

Pay your credit card bill on time.

Keep your balance under the credit limit.

Have enough income to afford minimum payments for a higher credit limit.

For the best shot at getting a credit limit increase offer, keep your income information up to date and maintain a good payment history.

You can also request a review of your account any time by calling customer service at 1-866-449-4514.

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What's the difference between pre-approved and pre-qualified credit cards?

Pre-approved and pre-qualified credit card offers both indicate that a potential applicant is likely to be approved, but they are used in slightly different situations. Being pre-approved means the issuer sent you an offer, while pre-qualification usually means you checked your approval odds through the issuer’s website. However, the terms are often used interchangeably.... read full answer

Both pre-approved and pre-qualified credit card offers have no effect on your credit standing, as issuers only use a soft pull to gauge your eligibility. But if you decide to apply after being pre-qualified or pre-approved, the issuer will do a hard pull of your credit, which will temporarily lower your score.

Pre-Approved Vs. Pre-Qualified Credit Cards

Category	Pre-Approved Credit Cards	Pre-Qualified Credit Cards
Initiated By	Card issuer	Consumer
Credit Impact	None	None
How to Get	Receive an offer via email or mail	Check online
Availability	Top 12 issuers	7 out of 12 top issuers
Pros:	May receive better terms and bonuses than those publicly available Determine your approval odds before impacting your credit score	May receive better terms and bonuses than those publicly available Determine your approval odds before impacting your credit score Check if you pre-qualify for multiple credit cards at the same time
Cons:	Potential to rack up debt Offers may tempt you to apply for more cards than you can handle Mailings can increase the opportunity for identity theft	Potential to rack up debt Offers may tempt you to apply for more cards than you can handle

Top 7 Issuers That Offer an Online Pre-qualification Tool

American Express

Bank of America

Capital One

Chase

Citibank

Navy Federal Credit Union

Wells Fargo

Pre-approved and pre-qualified offers generally provide an 80% - 90% chance of approval. On the other hand, if you get a “pre-selected” offer, it means you fit some general criteria established by the issuer and have around a 70% chance of approval. Lastly, an “invitation to apply” gets sent out based on demographics, not your credit. Such offers have lower acceptance rates because they’re sent to large groups of people and are not as targeted.

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What credit cards can I pre-qualify for?

To find a list of cards that you qualify for, check out WalletHub's free CardAdvisor tool.

It looks at things like your credit score & credit history, what you need the card for, etc. and give you a custom list of credit cards, tuned specifically to your needs & possibilities.

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