You won’t get any purchasing offers or rewards for using it. These fees are something consumers need to think carefully about before accepting a card offer. There are much better options, even for bad credit. Our partners cannot pay us to guarantee favorable reviews of their products or services. I call they never returned anything. It also earns rewards and has a bonus offer, phrased this way: INTRO OFFER: Unlimited Cashback Match – only from Discover. You can, however be instantly approved for it, in case your identity and ability to pay can be immediately verified. 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. With a maximum initial credit limit of only $500, this significantly reduces your purchasing power. Then i made my payment Received confirmation on July 8 then today the 16 i. too many fees i got it due to bad credit. ACTIVATE MY CARD ABOUT FEATURES REVIEWS CREDIT TOOLS LOGIN {{spa_product_name_caps}} MASTERCARD ® REVIEWS. Then watch your credit score rise. I got it, and have paid it off as quickly as possible. 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. For a starter credit card, the Reflex Mastercard has an initial credit limit between $300 and $750, with the potential to increase after 6 months. Reflex Mastercard ® 2020 Review ... CardRates serves millions of users with credit card rates, reviews, and tips from a team of 50+ leading experts. 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 I paid it. Monthly reporting to the three major credit bureaus. Do you agree with Reflex Mastercard®'s TrustScore? If you are looking to build your credit, there are better options available.. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. All reviews are prepared by CreditCards.com staff. | Read 3,341-3,360 Reviews out of 3,861 Told me to call tell check if i had a problem. Reflex Credit Card Payment. How can I reach the Reflex Credit Card customer service? Most people%s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. After approval, it usually takes 3 business days to get a physical card in the mail. Reflex Card Review 2019 - Learn about Reflexcardinfo.com and more - Is the Reflex Card credit card the best solution for you? Lost or Stolen Card? | Read 3,001-3,020 Reviews out of 3,898 Find better options here. NASA’s Opportunity Mars Rover just passed a milestone. I told him its late then yes as the 14 th. Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. 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. For those who qualify, the card might accept a deposit as low as $49, $99 or $200. Petal’s issuer can also use its own underwriting model to evaluate creditworthiness, considering such things as income, spending and savings. For a starter credit card, the Reflex Mastercard has an initial credit limit between $300 and $750, with the potential to increase after 6 months. Wallethub doesn’t charge for this service. 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. Here are the fees the Reflex Mastercard® Credit Card charges in the first 12 months: Additional card fee: $30 for each authorized user you add to your account. In short, these fees are high, especially if you get hit with the monthly maintenance charge after the first year. Its already on my credit because of no fault of my own. Voice your opinion today and hear what 3502 customers have already said. And if instead of bad credit what you really have is average credit (FICO scores of at least 630), then you have a slew of options better than the Reflex Mastercard® Credit Card. The Reflex Mastercard is made for people who are looking to build or improve their credit. And it, too, earns rewards: 1.5% back on all spending. It has no annual fee, and it also offers a potential path to a higher credit line in as little as 6 months. Today I called to express concern about a 4/25/20 charge of $48.93. Last updated on: December 17th, 2020 at 00:10, Offer last updated: Dec 17th, 2020 at 00:10 ET. Plenty of better options exist. Credit Card Merchant Services in Buffalo, NY. But June i saw I was in the the negative 67- so I called was informed it was a yearly fee. When your credit score is less than perfect, especially with everything going on, obtaining access to a credit card can prove to be complicated. If you have at least fair credit, the Capital One QuicksilverOne Cash Rewards Credit Card may also offer you access to a higher credit line in as little as six months if you make your monthly payments on time. 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! my new Reflex card . But was assured it would not go on my credit score wrong it did. I'm hoping my reflex card experience is a good one. Discover will automatically match all the cash back you’ve earned at the end of your first year! It may take a few business days to receive a Reflex Mastercard decision. The card has an APR of 25.90% - 29.90% Variable APR. These fees are something consumers need to think carefully about before accepting a card offer. You can get a Reflex Credit Card cash advance from any ATM, if you have your cash advance PIN. Check out what 3,502 people have written so far, and share your own experience. That compensation comes in the form of high fees and rates. Reflex Card is a non-reward card. When evaluating offers, please review the financial institution’s Terms and Conditions. So i called customer service he checks says oh your bank did not but we did not receive your payment still. | Read 2,181-2,200 Reviews out of 3,887 Monthly Credit Reporting. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The Reflex card has a high annual fee of $75 – $99. 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. I didn't have to put ANY money down, and was approved within 5 minutes. Reflex Mastercard® Review. Description: SarmStore.co.uk is an online store that sells SARMs and sports nutrition products. 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 A checking account is required. Reflex Mastercard® Credit Card Review 2020: All Credit Types Welcome To Apply! However, the card charges other fees, such as a monthly maintenance fee after the first year. The annual fee is $0. 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. It has a fake emblem on it to make you think it’s a MasterCard. You could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score. Never more than 30% of my limit and pay it off at least 10 days earlier than my due date. Reflex Mastercard® has 5 stars! Many or all of the products featured here are from our partners who compensate us. Alternatively, you can email them at [email protected] or send a fax at 801.303.1900. It’s a fee-heavy card with high interest rates and low credit limits. $30 for each authorized user you add to your account. Reflex Mastercard® Reviews | Read Customer Service Reviews of reflexcardinfo.com. By Issuer. You might even get contacted by the issuer to provide some additional information regarding your application. Information is displayed first and foremost to help consumers make better decisions. Read reflex card reviews and reflex card ratings – Buy reflex card with confidence on AliExpress! Check out what 3,839 people have written so far, and share your own experience. Here is a list of our partners. The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. This may influence which products we write about and where and how the product appears on a page. By Feature. A young lady named Zuri was very polite and helpful. Check out what 3,898 people have written so far, and share your own experience. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). by Juan Torres May 18, 2020. There is a $35 annual fee, however. Capital One QuicksilverOne Cash Rewards Credit Card. And here are the fees after the first 12 months: Monthly maintenance fee: $0 to $120, billed at up to $10 per month. How do I check my Reflex Credit Card application status? » MORE: The big problem with easy-to-get subprime credit cards. The issuer will also take other factors into consideration when deciding about your application, such as your income, existing debts or overall creditworthiness. Check out what 4,065 people have … Check out what 3,887 people have written so far, and share your own experience. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. 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. If you don’t pay your credit card bill, you’ll lose some or all of the deposit. It’s lying about the entire card???? Furthermore, offers have not been reviewed or approved by the offering institution. Reflex Mastercard® has 5 stars! It is a Mastercard and millions of merchants in more than 210 countries and territories take Mastercard. 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 Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. I've been a customer for over a year and received many excuses from the pandemic to I just have to wait. Box 3220 Buffalo, NY 14240-3220 I have your email Oh it does not count until we receive it . Check out what 3,845 people have written so far, and share your own experience. It is the best I have used in my 15 years of teaching. When evaluating offers, please review the financial institution’s Terms and Conditions. Better options exist. I have been reading mixed reviews about this card. Check out what 4,096 people have written so far, and share your own experience. Have you had any bad experiences with this company? Find helpful customer reviews and review ratings for Boxing Reflex Ball for Adults and Kids - React Reflex Balls on String with Headband, Carry Bag and Hand Wraps - Improve Hand Eye Coordination, Punching Speed, Fight Reaction (2 Difficulty Level Balls) at Amazon.com. 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. Foreign transaction fee: 3% of each transaction in U.S. dollars. | Read 3,581-3,600 Reviews out of 3,839 Please let us know if you notice any differences. No thanks, just go to the application. | Read 3,581-3,600 Reviews out of 3,839 Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. With a secured credit card, the security deposit eventually comes back to you if you maintain a good payment history. There's an annual fee, but it's much more palatable. If you have limited or no credit — as opposed to bad credit — you can find alternative cards that have no annual fee, no security deposit requirement. If you are looking at the Reflex credit card for the first time, we are sure the associated fees would make you flinch. Before submitting an application, always verify all terms and conditions with the offering institution. Continental Finance Company, LLC P.O. All financial products, shopping products and services are presented without warranty. Most unsecured credit cards granting $300 initially. Enter your cell phone number and we’ll send you a link to install the WalletHub app. Again thanks, Have you had any bad experiences with this company? And issuers that accept applicants with bad credit (those with FICO scores of 629 or below) need to be compensated for all the customers who will fail to pay their credit card bills. Thank you so much for taking the time to leave this excellent review! It is a card aimed at people with bad credit. Apr 10, 2020 - Reflex Credit Card Review: In the world of starter and beginner credit cards, the Reflex Card falls short in a lot of categories. The interest compounds daily, which means interest charges apply every day on top of both the previous days’ interest and the principal balance. No. Annual Fee: $75 – $99. It’s an expensive starter credit card for people with bad credit, or no credit history. Lost or Stolen Card? Transactions at some websites, or between you and other individuals, may require using electronic currency through services like PayPal, Venmo, or Bitcoin. You can request a cash advance PIN by calling 866-449-4514. 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 … However, this does not influence our evaluations. Continental recognizes this and will review your account, giving you the opportunity to obtain a Credit Limit Increase upon your request, subject to income and underwriting criteria at the time of review. For those who qualify, the card might accept a deposit as low as $49, $99 or $200. Can I use my Reflex Credit Card anywhere? Reflex MasterCard has the edge over other cards that offer an initial credit limit of $300 since it offers a threshold of $500. Reflex Mastercard® has 5 stars! 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. This service is powered by Continental Financial Co. 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. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. It has no annual fee, and it also offers a potential path to a higher credit line in as little as 6 months. With a secured credit card, the security deposit eventually comes back to you if you maintain a good payment history. Check out what 2,952 people have written so far, and share your own experience. Read full review . I have been very satisfied with. 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. 3rd Grade Teacher, Elementary School,Logan Unified School District 326, KS; I love Reflex! And you can pay the deposit in installments if needed. No thanks....I tried to pull up co’s you can use this card with and it just has these kind of places to add reviews. When your credit score is less than perfect, especially with everything going on, obtaining access to a credit card can prove to be complicated. My only suggestion if you're told to expect a credit increase in 6 months, don't hold your breath. When you click "Apply Now" you will be directed to the offering institution's website. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. | Read 441-460 Reviews out of 2,952 Extremely high APR Along with its high fees, the Reflex Mastercard charges a very high variable APR ranging from 25.9% to 29.99%. You'll need to qualify for membership at that credit union to be eligible for the card. Again, I recommend Credit Counseling instead of going this route, but it was there when I needed it unfortunately. The Reflex card is expensive and comes with a lot of fees. Standard message rates apply. The Reflex card has a high annual fee of $75 – $99. 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