To get a Surge Credit Card PIN, call the number on the back of the Surge Credit Card and ask customer service for a PIN. You will likely need to wait for the PIN to arrive via email, text, or mail.

Best Way to Get a Surge Credit Card PIN

1. Call Continental Finance customer service at 1 (866)449-4514 or call the number on the back of your Surge Credit Card.
2. Inform the representative that you want a credit card PIN.  
3. Receive the PIN in the mail, over text, or by email. It's unlikely that Surge Credit Card customer service will be able to provide a PIN over the phone.

If your credit card had a PIN in the past, but you've forgotten or misplaced it, Continental Finance may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account. And if you need a PIN for a cash advance, it's important to note that cash advances have high fees and interest rates, so you'll generally want to avoid them whenever possible.

Finally, keep in mind that even though the Surge Credit Card has PIN capabilities, it's still a signature-preferred credit card. This means it may not work at unattended kiosks abroad, like in a train station or parking garage, but you should have little trouble elsewhere.

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.

You can download the Surge Credit Card mobile app from the App Store or Google Play. The app's called "CFC Mobile Access".

The Surge Credit Card doesn't offer any rewards. Credit cards for people with bad credit don't usually have a rewards program. There are a few exceptions, though. The Discover it® Secured Credit Card, for example, comes with 1 - 2% cash back.

The Surge Credit Card uses TransUnion for approval. For reporting your financial activity, on the other hand, it uses all three major bureaus. So besides TransUnion, count on your Experian and Equifax reports being updated as well.

No, you cannot get the Surge Credit Card if you're in Puerto Rico.

As an alternative, I'd suggest applying for the Walmart® Store Card, which accepts applicants from Puerto Rico.

You can only apply for the Surge Credit Card via mail if you've received a pre-approved offer.

Otherwise, you can apply online or by calling (866) 513-4598.

You can pay your Surge Credit Card with a debit card by signing in to your online banking account or through the CFC Mobile Access app for iOS and Android.

Debit card payments are also accepted via phone at (800) 518-6142, but please keep in mind that you...

Yes, the Surge Credit Card does a hard pull on your credit. You can, however, check if you pre-qualify with only a soft pull.

You can qualify for it even with a bad (300+) credit score, and could be approved instantly, if Celtic Bank can verify your identity. Otherwise,...

The Surge Credit 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 Surge Credit Card minimum payment will be equal to the balance. In addition, if you recently missed...