Surge Credit Card does not have a sign-up bonus or any ongoing rewards. The main benefits of having the Surge Credit Card are that it has zero liability protection and it reports account information to the 3 major credit bureaus each month.
There are no Surge® Platinum Mastercard® categories for bonus rewards. The Surge Credit Card doesn’t even offer rewards on purchases normally, let alone bonus rewards in specified purchase categories.
There are plenty of other credit cards that do offer bonus rewards in specific categories, though. If you’re looking for a rewards credit card with bonus categories, a good place to start your search is WalletHub’s list of the … read full answerbest rewards credit cards.
The Surge® Platinum Mastercard® may increase your credit limit after the account has been open for 6 months or longer, though you will need to request this increase yourself. The card’s issuer, Continental Finance, does not disclose a particular timeline for getting another credit limit increase after the initial one. A good rule of thumb is to wait at least … read full answer6 months between each time you request a credit limit increase. It’s also best if your credit score and income have improved during that time, and your existing debt has decreased.
To ask for a credit limit increase, you can contact customer service at (866) 449-4514. You will have the best chance of getting a Surge Credit Card credit limit increase if you have made all of your monthly payments on time and have kept your credit utilization low.
It’s also possible that you could get an automatic credit limit increase on your Surge Credit Card. However, this is never guaranteed, so if you want an increase, it’s better to ask for one directly.
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.… read full answer
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 24.99% - 29.99% (Variable) regular APR.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.