Yes, the Surge Credit Card does have pre-approval. Celtic Bank has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Celtic Bank credit cards before they actually apply for one. Current Celtic Bank customers may also receive pre-approved offers periodically by e-mail. And in some cases, Celtic Bank will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Surge Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Surge Credit Card Pre-Approval Online
- Click “See If You Pre-Qualify” on the Celtic Bank website.
- Log in to your Celtic Bank account.
- Enter your full name, address, date of birth, phone number, Social Security number, email address and your monthly income.
- Click “See My Card Offers” to view any pre-approved offers.
If you are pre-approved online, you will see all Celtic Bank credit cards that will give you the highest odds of approval, which may or may not include the Surge Credit Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card's application page.
To respond to a Surge Credit Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Celtic Bank to flag the application as pre-approved.
Surge Credit Card pre-approvals do not affect your credit score, as they're done using a soft “pull,” or inquiry. But if you decide to submit an application for the Surge Credit Card, Celtic Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
