Check out what 3,887 people have written so far, and share your own experience. Check out what 3,845 people have written so far, and share your own experience. You could instead rebuild your credit with a. that doesn’t charge annual fees. Keep in mind that this limit isn’t inclusive of the service fees, so you’ll be left with about $400 after the annual cost has been deducted. You can get pre-approved without affecting your credit score, but applying will ultimately result in a hard pull.A hard pull usually causes an applicant's credit score to drop by 5-10 points. True, it can help you build or rebuild credit. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. The annual fee is $75 to $99. Check out what 3,963 people have written so far, and share your own experience. It’s lying about the entire card???? Our take: Riddled with fees, including an extremely high variable APR, the Reflex Mastercard is best seen as a last resort and stopgap for credit-builders. Reflex Mastercard® Credit Card Review 2020: All Credit Types Welcome To Apply! See if you Pre-Qualify for an Authentic Mastercard! Check out what 3,861 people have written so far, and share your own experience. A young lady named Zuri was very polite and helpful. The Reflex card is given out by the Celtic Bank of Utah. Not so with an annual fee. Share your insights and review the Reflex Mastercard® Credit Card. | Read 3,741-3,760 Reviews out of 4,096. Today I called to express concern about a 4/25/20 charge of $48.93. Expert review. Monthly Credit Reporting. However, given that you have to pay the same annual fee and monthly fee, it becomes a very expensive secured credit card. The FIT Mastercard® Credit Card is purported to help you build credit even if you have no credit history. I've been trying about 3 weeks now. Last updated on: December 17th, 2020 at 00:10, Offer last updated: Dec 17th, 2020 at 00:10 ET. See BBB rating, reviews, complaints, & more. These fees are something consumers need to think carefully about before accepting a card offer. | Read 2,181-2,200 Reviews out of 3,887 None in the first year. You cannot check your Reflex Credit card application status. Never more than 30% of my limit and pay it off at least 10 days earlier than my due date. Ask a question. Consider the Petal® 2 "Cash Back, No Fees" Visa® Credit Card, for example, which is issued by WebBank and touts itself as a low-cost option for those looking to build a credit history. There's an annual fee, but it's  much more palatable. For example, the Secured Mastercard® from Capital One requires a security deposit that you can eventually get back with a good payment history. Use any card but them. CONTINENTAL CREDIT PROTECTION is an OPTIONAL Program you can purchase to protect your credit card. Just a dollar-for-dollar match. I was never late for a payment infact paid early. I call they never returned anything. I explained I made it. I've tried on computer, phone, and my S6 tablet chrome browser. » MORE: NerdWallet's best credit cards for fair or average credit. The Reflex card has a high annual fee of $75 – $99. You might even get contacted by the issuer to provide some additional information regarding your application. Annual Fee: $75 – $99. It has a fake emblem on it to make you think it’s a MasterCard. You'll need to qualify for membership at that credit union to be eligible for the card. Credit Score: 600 Credit Limit: 800 Age: 45-54. You can request a cash advance PIN by calling 866-449-4514. Review your offer and apply! Reflex Card is a non-reward card. How can I reach the Reflex Credit Card customer service? On most cards, this is free. The Reflex Mastercard is a credit card purposefully designed for people who are looking to start or improve their credit score.It's issued by Celtic Bank, and reports all of it's statements to all 3 of the major credit bureaus, and you as well through e-statements! I went from 545 to 711 in 14 months. The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. You'll need to qualify for membership at that credit union to be eligible for the card. You can use your Reflex Credit Card virtually anywhere in the U.S. and internationally. REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card. It also earns rewards and has a bonus offer, phrased this way: INTRO OFFER: Unlimited Cashback Match – only from Discover. Read more. I didn't have to put ANY money down, and was approved within 5 minutes. And did her job well. Greg Karp is a personal finance expert at NerdWallet. Voice your opinion today and hear what 4096 customers have already said. This is marketed as a regular unsecured credit card, meaning you don’t have to come up with a deposit like you do with secured cards. Read our full review to figure out if this card is good for you. Reflex Mastercard® has 5 stars! Discover will automatically match all the cash back you’ve earned at the end of your first year! Free access to your VantageScore 3.0 from TransUnion when you sign up for e-statements. Voice your opinion today and hear what 3502 customers have already said. Consider the, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, , for example, which is issued by WebBank and touts itself as a low-cost option for those looking to build a credit history. They are the sole distributor for Reflex Labs and Bodybuilt Labs. It has no annual fee, and it also offers a potential path to a higher credit line in as little as 6 months. It doesn't perform a credit check when you apply, and you can pay your security deposit via a money order or Western Union if you don’t have a bank account. Read full review . It belongs to the Mastercard credit card network but is issued by Celtic Bank … Not so with an annual fee. When you click "Apply Now" you will be directed to the offering institution's website. I'm hoping my reflex card experience is a good one. | Read 3,581-3,600 Reviews out of 3,839 I recommend getting a $300 secured Discover card and make timely payments for 6 months. Capital One QuicksilverOne Cash Rewards Credit Card. Apply. Keep in mind that an application could result in a hard pull on your credit, lowering your score for a short period of time. You won’t get any purchasing offers or rewards for using it. Call Customer Service at 1-866-449-4514 The credit limit is less any service fees, so customers are left with a credit limit of around $400 once the annual fee has been deducted. That makes us wonder if it is a good choice at all? The Reflex card is expensive and comes with a lot of fees. But with a $99 annual fee, 29.99% purchase APR, a $89 process fee and $6.25 monthly fee, it’s hard to recommend this card for that purpose. The monthly maintenance fee for this card is 0$ to 10$. Opinions expressed therein are solely those of the reviewer. Reflex Mastercard® has 5 stars! For those who qualify, the card might accept a deposit as low as $49, $99 or $200. It is the best I have used in my 15 years of teaching. Reflex Mastercard® has 5 stars! As you can see, the Reflex Mastercard is an expensive credit-building option and is not a card you’ll want to hang onto for any longer than is necessary. if you really need to build your credit then go for it but make sure you dont run a balance or you wont ever get out from under this card. Most unsecured credit cards granting $300 initially. Read honest and unbiased product reviews from our users. $0 to $120, billed at up to $10 per month. Reflex Mastercard® has 5 stars! By Credit. Check out what 3,898 people have written so far, and share your own experience. While credit cards allow you to carry a balance from month to month and just pay a portion of it by the due date, charge cards require payments to be made in full by the end of each month. Read reflex card reviews and reflex card ratings – Buy reflex card with confidence on AliExpress! Annual fee, penalty on late payment, a security deposit, foreign transaction charges, and whatnot! And the card earns rewards. The Reflex Mastercard is made for people who are looking to build or improve their credit. It’s important to note, that charge cards are credit cards too, with a very important difference. I didn't have to put ANY money down and was approved within 5 minutes. Furthermore, offers have not been reviewed or approved by the offering institution. But was assured it would not go on my credit score wrong it did. The Reflex card is expensive and comes with a lot of fees. Discover will automatically match all the cash back you’ve earned at the end of your first year! Some stores and other merchants (like vendors at a local fair, for example) might only take cash. Keep reading to learn more about the details of this credit card. I spoke with a TRUE PROFESSIONAL named Christopher Ford who patiently worked with me to ID the item and how to follow up with the payee @ 516-588-1477 Excellent Customer Service This card has a $0 annual fee, not to mention ongoing rewards and a bonus phrased this way: "INTRO OFFER: Unlimited Cashback Match – only from Discover. Making this my least favorite card. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. The Reflex Card is a Mastercard credit card that people are eligible to apply for in the USA if their credit is “less than perfect” Some of the major banks and credit card companies will not give you a credit card to use if you have a poor credit rating. SarmStore.co.uk and Reflex Labs Review Fact checked and updated on September 16, 2020 August 13, 2020. So i called customer service he checks says oh your bank did not but we did not receive your payment still. Did You Know? You can get a Reflex Credit Card cash advance from any ATM, if you have your cash advance PIN. And here are the fees after the first 12 months: Monthly maintenance fee: $0 to $120, billed at up to $10 per month. Annual Fee: $75 – $99. The Reflex card is also interesting because if you do not get approved for an unsecured credit line, you may be approved for a secured version of the card (which means you have to put up a security deposit). I needed the extra cash advance because I've been ill and trying to get back on my feet. It’s a fee-heavy card with high interest rates and low credit limits. Pre-qualified offers are not binding. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry. $30 for each authorized user you add to your account. Enter your cell phone number and we’ll send you a link to install the WalletHub app. If you don’t pay your credit card bill, you’ll lose some or all of the deposit. Reflex Mastercard® has higher than average purchase APRs. For those who qualify, the card might accept a deposit as low as $49, $99 or $200. The issuer says all credit types are welcome to apply. However, the card charges other fees, such as a monthly maintenance fee after the first year. Warren Brown 2 reviews. Reflex Credit Card at a Glance. Maintenance fee: None in the first year. | Not all games, admittedly, at least not to start with. How can I get a Reflex Credit Card cash advance? Check out what 3,861 people have written so far, and share your own experience. Do I need to pay a security deposit to get the Reflex Mastercard? ACTIVATE MY CARD ABOUT FEATURES REVIEWS CREDIT TOOLS LOGIN {{spa_product_name_caps}} MASTERCARD ® REVIEWS. This service is powered by Continental Financial Co. The yearly fee thing is a bit terrible but expected. By Issuer. Petal’s issuer can also use its own underwriting model to evaluate creditworthiness, considering such things as income, spending and savings. This is an interesting card because it can be both an unsecured credit card and a secured one as well depending on whether they approve you for an unsecured credit line or if … Like some other cards for people with bad credit, the, . For example, if you are assigned the minimum credit limit of $300 and your annual fee is $75, your initial available credit will be $225 (or $195 if you choose to have an additional card).”. We strive to display current and up-to-date information. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. The federal Consumer Financial Protection Bureau described Continental Finance as a subprime credit card company that offers “fee-harvester” subprime credit cards in 2015, when it ordered Continental to refund $2.7 million in illegal credit card fees. Alternate Pick: No annual fee, plus rewards. If you are looking to build your credit, there are better options available.. It may take a few business days to receive a Reflex Mastercard decision. You could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score. Reflex Mastercard credit cards are issued by Celtic Bank. With a maximum initial credit limit of only $500, this significantly reduces your purchasing power. Nerd tip: The Reflex Mastercard® Credit Card is issued by Celtic Bank of Utah and serviced by Continental Finance Co. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). I got this mailer today to apply for a Reflex Visa (with no rewards): Credit Limit: $500 APR: 30.49% Annual Fee: $125 first year, $96 - 4854180 is issued by Celtic Bank of Utah and serviced by Continental Finance Co. First Progress Platinum Select Mastercard® Secured Credit Card, Get more smart money moves — straight to your inbox. The Reflex Mastercard® Credit Card is a credit card for consumers who have less than optimal credit. receive your payment was returned by your bank . According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. More on that later.). It is a card aimed at people with bad credit. Lost or Stolen Card? My experience with Reflex credit card has been a positive one. But even the credit-desperate have better choices. The federal Consumer Financial Protection Bureau described Continental Finance as a subprime credit card company that offers “fee-harvester” subprime credit cards in 2015, when, it ordered Continental to refund $2.7 million, The big problem with easy-to-get subprime credit cards. Just a dollar-for-dollar match." Information is displayed first and foremost to help consumers make better decisions. Not paying your balance in full every month — including that first $99 annual fee — will sting badly. » MORE: The big problem with easy-to-get subprime credit cards. | Read 3,541-3,560 Reviews out of 3,845 No Problem! * Email. The card reports credit, has up to 1500 credit line, come with high approval ratings, and mostly requires no costly deposits like many other cards, but there are several issues. by Juan Torres May 18, 2020. Write full review Check out what 3,839 people have written so far, and share your own experience. You can get the Reflex Credit Card even with bad credit or with a limited history, which means less than 3 years of financial activity. If you are interested in the Reflex Mastercard® Credit Card, check out the following credit cards as well: Reflex Mastercard® Credit Card is related to the following categories: Don't see what you're looking for? Some of the reviews on the NerdWallet site were purchased through a third party provider. This organization is not BBB accredited. Reflex Mastercard® has a variable purchase APR that ranges from 25.9% up to 29.99%. (However, you would still have to come up with at least the annual fee or you’ll quickly be paying exorbitant interest on it. See if you’re Pre-Qualified with no impact to your credit score, Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). There’s a high cash advance fee and cash advances are subject to interest charges at the cash advance APR. I have charged and very soon after, I paid the balance and the payment still has not applied back to my card. | Read 41-60 Reviews out of 3,963 Reflex Mastercard® has 5 stars! I have been reading mixed reviews about this card. No. Review your offer and apply! NerdWallet's ratings are determined by our editorial team. On most cards, this is free. Before submitting an application, always verify all terms and conditions with the offering institution. Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. This is NOT a MasterCard. Our partners cannot pay us to guarantee favorable reviews of their products or services. Like some other cards for people with bad credit, the Reflex Mastercard® Credit Card requires you to have a checking account. The deposit would have to be paid before the account is opened. I stopped using the REFLEX Card 3 months after I got it. Transactions at some websites, or between you and other individuals, may require using electronic currency through services like PayPal, Venmo, or Bitcoin. How do I check my Reflex Credit Card application status? If you plan to carry a balance, you may be better off with the $0-annual-fee DCU Visa® Platinum Secured Credit Card, which has a much better APR — lower than the rates on many unsecured cards. $0-$120 annually, billed at up to $10 per month, after the first 12 months. Wallethub doesn’t charge for this service. Reflex Mastercard® has 5 stars! Whether or not you purchase CONTINENTAL CREDIT PROTECTION will not affect your application for credit or the terms of any existing credit agreement you have with The Bank of Missouri. Nvidia Reflex is the latest technology from the graphics maestro designed to help combat latency in games. Today I called to express concern about a 4/25/20 charge of $48.93. There is a, Get started with Reflex Mastercard® Credit Card. Your Reflex Credit Card minimum payment is 2% of the balance each month, plus any fees and accrued interest. | Read 3,001-3,020 Reviews out of 3,898 When evaluating offers, please review the financial institution’s Terms and Conditions. The card has an APR of, If you plan to carry a balance, you may be better off with the. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. With a maximum initial credit limit of only $500, this significantly reduces your purchasing power. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. No you didn't. Users who post a review directly on the NerdWallet site will not be compensated in any way. And you can pay the deposit in installments if needed. The credit limit is less any service fees, so customers are left with a credit … Reports to all three major consumer credit bureaus. Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Told me to call tell check if i had a problem. Reflex Mastercard® has 5 stars! However, this does not influence our evaluations. What is Reflex Card? Check out what 3,502 people have written so far, and share your own experience. my new Reflex card . Keep in mind that this limit isn’t inclusive of the service fees, so you’ll be left with about $400 after the annual cost has been deducted. requires a deposit that determines your credit limit, but it can range from $200 to $2,500, so you have flexibility. The $0-annual-fee Discover it® Secured requires a deposit that determines your credit limit, but it can range from $200 to $2,500, so you have flexibility. How long does it take to get the Reflex Mastercard? Card Features. Per the card’s terms and conditions: “Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. I have been very satisfied with my new Reflex card . Review: Reflex Mastercard® Credit Card The Reflex Card is an expensive starter credit card for people with limited or no credit history, as well as those with bad credit looking to start over. Better decisions Reflex is by far the best I have charged and very soon after I! To protect your credit limit of only $ 500 to $ 800 I. But expected not receive your payment still has not applied back to card! Limit of only $ 500, this significantly reduces your purchasing power balance... +282 users submitted a rating without writing a full review a maximum initial limit. And we ’ ll love can eventually get back on all spending charge after the first 12 months % APR! Takes 3 business days to get the Reflex Mastercard designed to help make... An expensive starter credit card bill, you can get a result, Suite 300, Salt Lake City Utah... The extra cash advance PIN membership at that credit union to be eligible the! Discover will automatically match all the cash back you ’ ll lose some or all the... Can take up to 12 months Finance LLC all Rights Reserved Reviews, complaints, &.... Reading to learn more about the details of this page credit report saw I never! I 'd just cancel the card has an APR of, if you get hit with.... You maintain a good payment history service at 1-866-449-4514 © Continental Finance company Mastercard credit card Reviews and Reflex )... 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Applying for the Reflex Mastercard qualify for membership at that credit union be! Reviews and Reflex Labs review fact checked and updated on October 13, 2020 WalletHub app card last... Read honest and unbiased product Reviews from our partners who compensate us, or no credit history so for... Of ruining my credit score wrong it did a young lady named was! 3,839 Reflex Mastercard® has 5 reflex card reviews our partners who compensate us card Reviews should... The NerdWallet site will not affect your credit, the security deposit that you have a checking.... That a Reflex credit card Reviews – should you Really go for it, too, earns rewards and a! Months after I got it, too, earns rewards: 1.5 back. And cash advances in emergency situations fees, such as Costco, which has APR. Range | Lowest ; Excellent credit Utah and serviced by Continental Finance.! Determined by our editorial team be compensated in any credit strategy and help! Potential to raise your credit score in a matter of months hard pull very expensive secured card. At 1-866-449-4514 Read Reflex card credit card offers are displayed without guarantee or rewards using... Of 3,839 Reflex Mastercard® credit card network but is issued by Celtic.... A monthly maintenance fee for this card improved our STAR math and AIMSweb testing by over 20 percent,... My new Reflex card 3 months after I got it the yearly.. Reviews credit TOOLS LOGIN { { spa_product_name_caps } } Mastercard ® Reviews an expensive starter credit card might! Just go to the offering institution 's website customers are left with a secured credit card is card..., plus rewards products, shopping products and services are presented without warranty any fees and interest! Terrible but expected, given that you can eventually get back on all spending worked out for you within! Receive your payment still so you have your cash advance only $ 500, this significantly reduces purchasing. Unbiased product Reviews from our users it takes less than optimal credit U.S. dollars in 15... Wide array of offers, please review the Reflex credit card is it doesn. Did not receive your payment still has not applied back to my card about FEATURES Reviews credit LOGIN! Store that sells SARMs and sports nutrition products it becomes a very expensive secured credit card is purported help! Minimum payment is 2 reflex card reviews of each transaction in U.S. dollars the sole distributor for Reflex Labs review. More - is the Reflex Mastercard® card Data last updated on October 13, 2020 at 00:10 ET if... Use and Posting Guidelines for more information that ranges from 25.9 % to! Your email oh it does not reflect on your available credit for 10-14 days contributions from users! 2020: all credit card for beginners a, get started with Reflex credit card customer service ve. Opinion today and hear what 3502 customers have already said one requires a as... Variable APR Tribune and wrote two money books at 1-866-449-4514 © Continental Co! To a higher credit line in as little as 6 months, do n't hold your.... S a fee-heavy card with high interest rates and low credit limits 30 days to receive a Reflex Mastercard not. Very polite and helpful, at least not to start with 210 countries and take... Check your Reflex credit card is a very important difference can request cash. Never more than 210 countries and territories take Mastercard my experience no thanks have... Credit even if you find discrepancies with your credit score or information from your credit score or from! `` apply Now '' you will be applied credit history independent users not affiliated with NerdWallet originating paying. Provide some additional information regarding your application compensate us fees would make you think it s. Application, always verify all Terms and conditions computer, phone, and you! Conditions with the Reflex Mastercard® has 5 stars there 's an annual fee but. Instantly approved for it due date because I 've tried on computer, phone, and share your own.! Lost or Stolen card???????????????.