You could learn more about rewards programs and member benefits associated with each card and select the one that best fits … Based on this information, they will send you special offers via direct mail. To get approved for additional credit cards, you’ll need to use your credit responsibly, make your payments on time to secure a high credit score, and keep your card utilization relatively low. This site may be compensated through the credit card issuer Affiliate Program. See if you’re pre-approved within minutes without impacting your credit score; Petal reports to all 3 major credit bureaus; No deposits required; Card issued by WebBank, Member FDIC; Card Details Page . This won’t affect your credit score and is not a guarantee of approval, but it should give you some extra peace of mind before you submit a formal application. They said I was approved for $500. Did not do much research. Pre-qualify Without hurting credit score; High APR; Could require a $200 security deposit ; $96.00 Annual Fee; $10.00 Monthly Fee; SUMMARY: The Surge Credit Card is almost a hybrid credit card, it might no require a security deposit (depending on your credit) and that would make it an unsecured card. The Surge Mastercard® Credit Card issued by Celtic Bank and serviced by Continental Finance, is an unsecured credit card targeted to those with limited or poor credit. These financial institutions are performing what is known as a soft inquiry, which won’t hurt your credit score. Went to their website and applied. Since most people shop for and compare credit cards online these days, there's virtually no reason to receive credit card offers via mail. 272 Comments. Overall Rating: I was quite ignorant when I got this card. I was asked if I had a credit or debit card, and to enter my acct no., expiration date, etc. Some inquiries, such as employment or pre-approved offers, will show only on a personal report pulled by you. Free Credit Score* Transaction Alerts. Most credit card issuers now allow you to view cards that you’ve been pre-approved for online. by William Charles. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Here is a full list of issuers that do allow this, along with the relevant websites/contact information. • $0 Fraud Liability. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. Very few unsecured cards for poor credit are available, for one thing, and most have outlandish fees. Click the “Apply Online” button to review the terms and conditions of the offer on the card issuer's web site. At the same time, not being pre-approved for a specific credit card can be a strong indicator (but, again, not a guarantee) that you will be rejected if you apply for that card, so you may want to rethink your choice of cards. Milestone Gold Mastercard vs. Surge Mastercard® Credit Card. Additionally, cardholders have one APR that applies to both purchases and cash advances (balance transfers cannot be performed with this card). The card … The Credit One Visa is pretty expensive, too, charging up to $99 in annual fees as well as an APR of 17.99% - 23.99% (V). • Credit Limit. button. Credit Score: 570 Credit Limit: 500 Age: 25-34. This site may be compensated through the credit card issuer Affiliate Program. View Your Pre-Approved & Pre-Qualified Credit Card Offers (Updated For 2020) April 9, 2020, 18:38. You can determine your odds of approval through the card's pre-qualification process. The AvantCard Credit Card offers a chance to build credit without a security deposit. Thanks to unfortunate reader Dan who received a pre-approved mailer for this card and bringing it to my attention. All credit types welcome to apply! No late fee, international fee, annual fee, or any-other-kind-of-fee, fee. LAST NAME. At any time you create a program to get a charge card, then the more financial institution undergoes your own credit report, that will be part of charge-card processing processing to find out your value. Lost Credit Card: If there are no delinquencies, credit cards reported as lost willcontinue to be listed for two years from the date the creditor is contacted. However all credit card information is presented without warranty. Credit Limit. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. Advertiser Disclosure. Now that you know how to get approved, you can shop and apply for the cards you want with confidence. This site does not include all credit card companies or all card offers available in the marketplace. Predatory card for sure. I got the pre-approval mail. Take the next step in your financial journey with Aspire®. Ranges from $75 to $99. then I was informed that $50 would be withdrawn from my personal debit acct. Unsecured Credit Card. * Yes No ZIP CODE. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers: To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. Hi Beverly. How to Opt-Out . $75.00 to $99.00. • Rates. When searching for the best credit card for you, there are several factors that you ought to consider. This is also a great way to learn more about various credit card offers from different issuers and weigh the benefits of each one. APR. You May be Pre-Approved . Do you have an active checking account or debit card? If you have less-than-perfect credit, the Surge Mastercard® could give you access to an unsecured credit card with a $500 credit limit. Monthly reporting to the three major credit bureaus. I received a pre-approval on Credit karma or a similar site. Pre-approved credit card offers can help you determine if you’re likely to get the credit card you want. Posted 09/21 2016 . The application requirements are set very low, and the chances to get approved for the card are moderately high, even for consumers with a bad or no credit score. The Surge Mastercard® Credit Card is a no-frills Mastercard that offers a potential $300 to $750 credit line. No fees whatsoever. All pre-qualified offers are based on credit worthiness. And speaking of your credit limit, while the Surge Mastercard® offers a competitive credit limit for subprime cards by providing up to $500 to qualified applicants, you likely won’t see any credit limit increases. • Annual Fee. Surge definitely refers to the fees as in your fees will But applicants aren’t guaranteed the unsecured version of the card — they may end up with a secured card instead. If you have received a direct mail offer from us, please select the "Accept mail offer!" Simple + Secure Application. This content is not provided or commissioned by the credit card issuer. If you find pre-approved credit card offers annoying, there is a way to stop receiving them. However, they're still very prevalent, and many people find their mailboxes and email inboxes filled with offers. See if You are Pre-Approved. The Surge Mastercard is a credit card catering to the needs of people who want to re-establish and improve their credit. Delinquent payments that occurred before the card was lost are reported for seven years. An credit card stipulates the flexibility and freedom to automatically create purchases once you want to and also once you want to. With just a few clicks, you can enter your information and request your card today! The best unsecured credit card for people with bad credit who want instant approval is the Credit One Bank® Visa® Credit Card. But I was asked to deposit $150. Pre-approvals typically mean that they have reviewed your credit score and basic history, and feel that you are a good candidate for their credit card or loan. See Rates, Fees, Costs and Limitations. However, all credit card information is presented without warranty. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. *A Pre-approved credit card offer means you meet our initial credit and underwriting criteria and your application may be approved for this Surge Mastercard offer if you continue to meet this criteria. Reasonable efforts are made to maintain accurate information. You may also like. See if you are Pre-Approved. Products. I got a “you are pre-approved for a Surge credit card” from the company. I did not provide my debit or credit card number and after that, they said I was denied. Pre-approved credit card offers can get annoying, especially when you're not in the market for a new card. Unless you fall into this category, your chances of getting one of Barclaycard’s cards are low. Card Features. The benefits of receiving pre-approved credit card offers in the mail is that you can sometimes get very competitive introductory APRs. Rates ranging from 25.90% - 29.99%. Note: All pre-qualified offers are based on credit worthiness. $0 Fraud Liability** Online Access 24/7, any device. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. Harbor Freight Launches Credit Card With 5% Back Or Financing; 10% Signup Bonus Offer [Targeted] Chase Co-brand Cards: Get 5x Points On Grocery & Gas (Up To $1,500/Month Spend for August – Sept) [Targeted] Bank of America Cash Rewards: Double Your … This content is not provided or commissioned by the credit card issuer. APR(variable) ranges from 25.90% to 29.99%. Credit Cards. What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. Highlights. *Your credit score will be available in your online account 60 days after your account is opened. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. They might have got your name from some old mailing list when your scores were lower. EMAIL ADDRESS. Additionally, the card charges several fees, including both an annual fee and (starting the second year) a monthly maintenance fee. Annual Fee . A few cards have APR rates that you need to review before you sign on with a bank or lender. All of Barclaycard’s credit cards require at least a good credit score of 670 or higher to get a credit card approval. If you would like to apply for another product, please select the "Apply Now" button. FIRST NAME. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. A couple of weeks later, I applied on line and the site said I was approved for $500.00. Surge Credit Card Login. There are two things you could do, lower your overall credit utilization ratio to 30% or below, and consider applying for a credit-building card. *Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who applies for a card account. You can also prequalify for the card with only a soft pull of your credit report. However all credit card information is presented without warranty. Will show only on a personal report pulled by you find pre-approved credit card only! 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