How do I contact the Surge Credit Card reconsideration line? This question is about the Surge® Platinum Mastercard®

How do I contact the Surge Credit Card reconsideration line?

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This question is about the Surge® Platinum Mastercard®

Chip Lupo, Credit Card Writer

@CLoop • 06/01/22 This answer was first published on 06/01/22. 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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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.

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.

Answer Question

How do I ask creditors to reconsider a denied application?

Don't worry! Call or write asking for a reconsideration! Denials are often computer generated based strictly on score. A manual review by an underwriter can often get you the approval you are looking for. Here are several suggestions:

1. Call the number on your denial letter and ask for your application to be reconsidered. If possible, try and get a hold of someone in underwriting. Be prepared to explain the derogs on your report and...

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How long should I wait to apply for another credit card after being denied?

You should wait six months to one year between credit card applications in most cases, regardless of whether your last application was approved or denied. Most people’s credit scores will bounce back from a credit card application in about six months. The same rule applies if you’re trying to reapply for the same credit card you were denied for (though you should make sure you’ve addressed the reasons stated in your rejection letter before you...

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How do I log into my Surge Credit Card account?

To log into your Surge Credit Card account, access the issuer’s online banking platform. If you haven’t registered your card for online banking yet, you can do it by clicking on “Register now”.

You can also access your account via the issuer’s mobile app for iOS and Android.

From your online account, you’re able to view your statements, make payments, check your transactions or report your card lost/stolen.

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