The easiest way you can apply for the Reflex Credit Card is online. When you apply for this card online, the issuer requires you to check for pre-approval first. So you will have a good idea of your approval odds before submitting your application. Plus, checking for pre-approval only triggers a soft pull that doesn't hurt your credit score. Alternatively, you can apply for the Reflex Credit Card over the phone by calling (866) 513-4598.

It's also worth noting that the Reflex Credit Card accepts people with bad credit.

How to Apply for the Reflex Credit Card Online

1. Visit the Reflex reviews page and click on “Apply Now.”
2. Enter your name, address, and email address.
3. Answer if you have an active checking account or debit card.
4. Certify that you are a U.S. resident over the age of 18.
5. Click on “See My Card Offers.”

Most applicants receive a decision in seconds. If you're not immediately approved or denied, allow up to 30 days for the issuer to review your application. You can also check your Reflex Credit Card application status at any time, by calling customer service at (866) 449-4514.

You can get pre-approved for the Reflex® Platinum Mastercard® online. Potential customers may also receive pre-approved offers periodically by e-mail. And in some cases, the issuer will send people pre-approved offers for a specific credit card in the mail.

Getting pre-approved for a Reflex Credit Card indicates that your chances of...

The Reflex credit limit is $300 to $2,000. Everyone who gets approved for Reflex is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that, up to $2,000. The higher an applicant's credit score and income are, the higher the...

The Reflex annual fee is $75 - $125 per year. Reflex's $75 - $125 annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Reflex® Platinum Mastercard®, either.

Reflex Fees

To check your Reflex Card balance, log in to your Celtic Bank account online or call credit card customer service at 1 (800) 556-5678. It's also possible to check your Reflex Card balance through the Celtic Bank app.

How to Check Your Reflex Card Balance

• Online: Log in to your Celtic...

The Reflex® Platinum Mastercard® payment address is:

Reflex Card
P.O. Box 6812
Carol Stream, IL 60197-6812

When paying Reflex bills by mail, be sure to submit either a check or money order for the payment amount. Reflex does not accept cash.

Tips For Mailing Reflex Credit Card Payments

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The Reflex card minimum payment is $35 or 4% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $35, the Reflex card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Celtic...

Yes, the Reflex Credit Card does a hard pull on your credit report when you apply. Keep in mind, though, that this card has lenient approval requirements, as it accepts people even with bad credit.

It's also worth noting that you can get pre-approved for the Reflex card without affecting your credit score, but...

You may need to pay a security deposit to get the Reflex Mastercard.

All applications are reviewed for an unsecured product; but may be approved for a card with a $50, $100, $150 or $500 refundable security deposit, based on creditworthiness.

You can get a replacement for your Reflex Credit Card by calling (412) 381-5500. Once requested, your card will be delivered within 7-10 business days. And to receive your card faster, you can even request expedited shipping, which shouldn't cost you extra.