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. $0 Fraud Liability** Online Access 24/7, any device. Thanks to unfortunate reader Dan who received a pre-approved mailer for this card and bringing it to my attention. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. See if you are Pre-Approved. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. I did not provide my debit or credit card number and after that, they said I was denied. Free Credit Score* Transaction Alerts. Some inquiries, such as employment or pre-approved offers, will show only on a personal report pulled by you. by William Charles. Pre-approved credit card offers can get annoying, especially when you're not in the market for a new card. (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. If you would like to apply for another product, please select the "Apply Now" button. Hi Beverly. I was asked if I had a credit or debit card, and to enter my acct no., expiration date, etc. I received a pre-approval on Credit karma or a similar site. button. This is also a great way to learn more about various credit card offers from different issuers and weigh the benefits of each one. However, they're still very prevalent, and many people find their mailboxes and email inboxes filled with offers. 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. • Credit Limit. APR. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee. All of Barclaycard’s credit cards require at least a good credit score of 670 or higher to get a credit card approval. But applicants aren’t guaranteed the unsecured version of the card — they may end up with a secured card instead. Surge definitely refers to the fees as in your fees will Surge Credit Card Login. 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. Take the next step in your financial journey with Aspire®. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. The 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. Simple + Secure Application. 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. Rates ranging from 25.90% - 29.99%. If you have less-than-perfect credit, the Surge Mastercard® could give you access to an unsecured credit card with a $500 credit limit. They said I was approved for $500. All credit types welcome to apply! Annual Fee . then I was informed that $50 would be withdrawn from my personal debit acct. The best unsecured credit card for people with bad credit who want instant approval is the Credit One Bank® Visa® Credit Card. • Annual Fee. However all credit card information is presented without warranty. The AvantCard Credit Card offers a chance to build credit without a security deposit. See Rates, Fees, Costs and Limitations. 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). Overall Rating: I was quite ignorant when I got this card. • $0 Fraud Liability. $75.00 to $99.00. Unsecured Credit Card. 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. Note: All pre-qualified offers are based on credit worthiness. 272 Comments. *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. Since most people shop for and compare credit cards online these days, there's virtually no reason to receive credit card offers via mail. However, all credit card information is presented without warranty. 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. These financial institutions are performing what is known as a soft inquiry, which won’t hurt your credit score. APR(variable) ranges from 25.90% to 29.99%. Went to their website and applied. • Rates. Credit Limit. Unless you fall into this category, your chances of getting one of Barclaycard’s cards are low. Very few unsecured cards for poor credit are available, for one thing, and most have outlandish fees. The Surge Mastercard is a credit card catering to the needs of people who want to re-establish and improve their credit. Monthly reporting to the three major credit bureaus. You May be Pre-Approved . 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. 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 … No fees whatsoever. 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. View Your Pre-Approved & Pre-Qualified Credit Card Offers (Updated For 2020) April 9, 2020, 18:38. A couple of weeks later, I applied on line and the site said I was approved for $500.00. Based on this information, they will send you special offers via direct mail. This site may be compensated through the credit card issuer Affiliate Program. Now that you know how to get approved, you can shop and apply for the cards you want with confidence. Pre-approved credit card offers can help you determine if you’re likely to get the credit card you want. I got the pre-approval mail. Did not do much research. Credit Cards. They might have got your name from some old mailing list when your scores were lower. Highlights. 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. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. *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. 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