Surge vs.
Reflex Credit Card

You can log in to your Reflex® Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.

How to Log In to a Reflex Account

1. Go to the Reflex login page.
2. Fill out the “Username” and “Password" fields with your credentials.
3. Click “LOG IN” to access your account.

After you have logged in, you'll be able to manage your Reflex account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

In case you forget your login information, you can click “Forgot Username or Password?” on the Continental Finance login page and follow the prompts to reset or retrieve your username or password.

You can log in to your Surge® Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.

How to Log In to a Surge Credit Card Account

1. Go to the Surge Credit Card login page.
2. Fill out the “Username” and “password" fields with your credentials.
3. Click “LOG IN” to access your account.
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Yes, the Surge® Platinum Mastercard® does have pre-approval. Surge Card requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for a Surge Credit Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.

Surge Credit Card pre-approval does not affect your credit score, as it's...

You can make Surge® Platinum Mastercard® payment online, by phone, through the Continental Finance mobile app, or by mail. To pay your Surge Credit Card bill online, log in to your online account and click on “Pay my Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Continental Finance does allow cardholders to set up automatic payments, too.

Ways to Make Surge Credit Card Payment

• Online: Log in...

You can make Reflex® Platinum Mastercard® payment online, by phone, through the Continental Finance mobile app, or by mail. To pay your Reflex bill online, log in to your online account and click on “Pay my Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Continental Finance does allow cardholders to set up automatic payments, too.

Ways to Make Reflex Payment

• Online: Log in...

The easiest way to apply for the Surge Credit Card is online, and you can get to the online application by clicking the “Apply Now” button on WalletHub or by going directly to Continental Finance's website. Alternatively, you can apply by phone.

Keep in mind that the Surge Credit Card requires bad credit, which means you need a 500+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...

You can check your Surge Credit Card application status by calling 1 (866) 449-4514. When you call, you'll need to provide the the required information so that the issuer can match you to your application.  The issuer does not allow you to check your application status online

How to Check Your Surge Credit Card Application Status

1. Call 1 (866) 449-4514.
2. Follow the automated prompts that lead to an application status check or connect with a representative and tell them...

You can request a Reflex® Platinum Mastercard® credit limit increase by calling customer service at 866-449-4514. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Continental Finance has on file. Continental Finance will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

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To talk to Surge Credit Card customer service, call 1 (866) 449-4514 and then enter your account number and follow the automated prompts. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Surge Credit Card Customer Service by Phone

1. Call the Surge Credit Card customer service department. You can even use the number on the back of your card.
2. ...

The only way to apply for the Reflex card is online, and you can get to the online application by clicking the “Apply Now” button on WalletHub or by going directly to Continental Finance's website. 

Keep in mind that the Reflex card requires bad credit, which means you need a 500+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score....