How can I get a Surge Credit Card credit limit increase?
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Surge Mastercard®
Surge Mastercard®
Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
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Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Bad Credit
Fees
One-Time Fees$0
Annual Fees$75 - $99
Monthly FeeNone 1st yr, up to $10 after
APR on Purchases
24.99% - 29.99% (Variable)
Editor's Take
by John Kiernan
May 20th, 2022
Surge Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
No rewards
No rewards bonus
No intro APR on purchases
No balance transfers allowed
Surge Credit Card's Additional Info
| cash advance fee | 5% (min $5) |
| cash advance APR | 24.99% - 29.99% (Variable) |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
See if you’re Pre-Qualified without impacting your credit score
Fast and easy application process; results in seconds
Free online account access 24/7
Checking Account Required
$0 monthly fee for the first 12 months. $10.00 per month starting the second year, waived for those with a $750 or $1,000 credit limit
Questions & Answers
Can't find what you are looking for? Submit your question about Surge Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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What the credit score for surge credit card
17
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How long does it take to get the Surge Mastercard credit card?
8
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Tommy S Davidson
It takes 2 weeks at most to have your Surge Mastercard credit card in the mail.
When will I get my Surge credit card?
7
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Will the Surge Credit Card help improve my credit score?
6
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Phyliss Hulsey
The Surge Credit Card will help improve your credit score.
The credit card will report to all three major credit bureaus: Transunion, Experian and Equifax. That means that, as long as you keep your card in good standing, you'll be able to raise your credit score over time.
What's the Surge Credit Card payment address?
6
UpvotesReply
Adam Butcher
The Surge Credit Card payment address is: Continental Finance P.O. Box 8099 Newark, DE 19714-8099.
Simply remove the return portion of your monthly statement and mail it with a check in the amount of your payment to the address specified on your statement.
When will my Surge Credit Card payment post?
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How do you get a Surge Credit Card PIN?
5
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What bank issues the Surge Credit Card?
4
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Saul Allen
The Surge Credit Card is issued by Celtic Bank but serviced by Continental Finance. Continental Finance handles many different credit cards for people who are trying to build or rebuild their credit.
How can I download the Surge Credit Card mobile app?
4
UpvotesReply
Emma Swan
You can download the Surge Credit Card mobile app from the App Store or Google Play. The app's called "CFC Mobile Access".
Compare The Surge Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR24.99% - 29.99% (Variable)
Regular APR24.9%
Regular APR24.9%
Rewards RateNone
Rewards RateNone
Rewards RateNone
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Surge Credit Card Reviews
Share your insights and review the Surge Mastercard®
3.6
881 reviews
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1 Star Rating
Verified CustomerI have very bad experience called customer service. I called to ask if they have the SCRA sponsor military relief program and the person who works in customer service Mike told me what you want with that. This person did not know how to answer the questions I asked, he simply told me no. This credit card company customer service is terrible.
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5 Star Rating
Verified CustomerThe Surge Mastercard from Continental Finance is definitely a good financial company and alternative to potentially double your initial line of credit.
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1 Star Rating
THE WORST CREDIT CARD. Worst experience and worst customer service. Got it to build my credit and seriously regret it. Only $750 credit line and $99 annual fee. My bank closed my bank account due to account being hacked and because the first payment did not go through to this horrible credit card they decided blocking instead of charging their late fee or calling to see why I had not paid. When I called to give them my new bank account they mentioned I had to pay in full my balance as my card was blocked. Seriously blocked for a balance of $110?? INSANE RIDICULOUS. I paid full balance of $297 so they could unblock my card that was now in 0.00 balance. I made several calls as card continued blocked, they mentioned that because of the bank issue I would have needed to send a money order instead of paying the full balance over the phone so that my card would be unblocked. Really? So because of that I would have my card unblocked in 60 days. This is a joke.They lied to me having me pay the full balance and now they wanted me to wait 60 days to unblock my card? I have spent more time then I should have over the phone and today I decided closing this account and stop dealing with horrible "customer service". No need to wait and therefore requested my $99 annual fee refunded as I will not allow them to keep a annual fee for a card that was blocked on my first purchase. DO NOT BOTHER building your credit with this bank. THE WORST experience ever !! Apply to OLLO Credit Card. The best service, credit line and experience.
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5 Star Rating
Verified CustomerThank you so much for the opportunity to build my credit ...
I really and truly have hope once again.. thank you for this opportunity..
I really and truly have hope once again.. thank you for this opportunity..
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5 Star Rating
This is a good builder card. The interest rate is extremely high, so it's not one that you want to carry a balance on... use it once a month and pay it off immediately. They are very generous with automatic credit line increases (no hard pull) if you pay on time. I haven't had any of the problems that some are talking about here. Also if your credit limit is $750+ they don't charge you a monthly fee.
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5 Star Rating
Verified CustomerI was looking to rebuild my credit after taking some heavy hits on my credit score due to Illness, Surge took a chance with me and gave me the opportunity to prove myself and build my credit back up without the line of credit being secured.. I started out with $300 limit and got periodic increases and I’m currently at $1100! I have absolutely nothing but good things to say about Surge/Continental Finance for giving me the opportunity to prove myself without being a “Secured” credit card!
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1 Star Rating
Accepts ALL credit? lol They said I didn't have enough credit! HELLO,that's why I applied! Trying to build credit.I was turned down immediately.Just because I pay with my debit card or cash.I guess it doesn't pay if you don't have debt. It's a conundrum.
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5 Star Rating
Verified CustomerI am appreciative of the opportunity to use one of your cards. To try out an account with your company. Thank you very much for giving me an account... PEACE
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5 Star Rating
Verified CustomerReal easy to apply and good for rebuilding your credit. High interest it's really only for rebuilding your credit. Good limits too.
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1 Star Rating
My wallet was stolen a month ago. Ive called 10 times trying to get my funds replaced. A MONTH AGO. Ive waited COUNTLESS hours on hold and ive received so many different answers on how the process works when your information is stolen. I FINALLY received a call today ( usually im calling with ZERO results) i get a call from someone who says he was assigned to my case. He tells me he has a month to do his investigation. ITS ALREADY BEEN A MONTH. That means 2 months of stressing over stolen funds!!! THAT'S how you treat customers who already have gone through a tramatic experience???? TERRIBLE TERRIBLE customer service. RUN far FAR away from this credit card company!!
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Offer last updated: May 20th, 2022 at 15:39 ET