Reservation Code: Get Your Surge Card Reservation Number Reservation Code

Yoursurgecard – If you have already got an offer from Continental Finance for Surge credit card pre-approval, you can accept the offer by visiting their website Reservation Code.

Just Go to the Surge Mastercard Pre-Qualify website and enter the 13-digit reservation number that you have got on offer mail by Continental Finance and your Social Security number to confirm your reservation. You can get surge card now reservation number by following below given guideline.

Surge Mastercard Pre Qualify

To get pre-qualified for Surge Mastercard, go to the official website of pre qualify and click on Apply Now button. You have to fill out your details here, such as name, address, social security number, monthly income, etc., and click on the See My Card Offer. By clicking on such a link, you can be pre-qualified for the credit cards offered by Celtic Bank. For more information, you can visit Reservation Code webpage.

Surge Mastercard Review

Surge MasterCard, issued by Celtic Bank, is ideal for people with lower or no credit. It gives cardholders an opportunity to build and improve their credit history using this unsecured credit card.

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Though Continental Finance allows you a credit card without any security deposit, you need to pay an annual fee and a monthly maintenance fee to use it. Additionally, you have to bear charges for foreign transactions, cash advances, and authorized user card fees. Again, the YourSurgeCard comes with a high APR. These charges make this credit card an exorbitant option for creating a credit history.

  • Allows MasterCard with limited or bad credit
  • Instant credit decision without any complicating verification procedure
  • Monthly reporting to three prime credit bureaus
  • No security deposit requires to get started
  • Doubles up the credit limit after six months (depending on the monthly bill payment history)
  • MasterCard is accepted in all countries
  • Monthly and annual fees are comparatively higher
  • High APR on cash advances and variable purchase
  • No cash back reward

Perks for Cardholders

No Fraud Liability

The cardholders won’t be liable for any unauthorized transaction using the Surge Mastercard. This covered credit card waives users from all legal persecution for making such transactions.

24X7 Access to Account

Surge allows you to manage your account at any time from anywhere. Just sign up to the online portal of Surge credit card to

  • Make online payments
  • Receive online statements
  • Check account balance
  • View transaction details
  • Verify all payments by checking the transaction history
  • View other Surge credit information
Monthly Reporting to Credit Bureaus

Celtic Bank reports to Experian, TransUnion, and Equifax every month.

Monthly Credit Score

The cardholders can check their credit score given by TransUnion every time while accessing the monthly e-statements for free.

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Hike in Credit Limit

Celtic Bank approves a minimum credit limit of $300 to the cardholders. However, the issuer increases the credit limit after six months. If you can improve your credit score in the first six months, your credit limit can be raised up to $2000.

Rates and Fees

APR for Purchases – 24.99% to 29.99% (The Annual Percentage Rate (APR) depends on your creditworthiness at the time of opening the account.)

APR for Cash Advances – 24.99% to 29.99%

Interest – No interest on purchases will be charged if the entire account balance is paid within the due date.

Annual Fee – $75 to $99

Monthly Card Maintenance Fee – $0 to $10 per month, No card maintenance fee will be charged for the first 12 months of opening the account.

Cash Advance Fee – 5% of each cash advance amount or $5, whichever is higher

Foreign Transaction Fee – up to 3% of each US dollar spent

Late or Returned Payment Fee – up to $40

Additional Fees – $30 (one time)

Final Verdict

Since Celtic Bank provides unsecured credits to applicants with a lower credit score, the Surge credit card can be considered to build a credit history. However, maintaining such a credit card carrying sky-high charges without proving any cash back rewards can end up with a substantial bill amount.

There are several credit card options available with comparatively lower charges. Thus, Surge MasterCard offered by Continental Finance is not a profitable option for beginners.

How long does it take to get your surge credit card?

Generally, you can get your Surge Mastercard instantly after applying for your credit card with the required details. However, Celtic Bank may take some more time to make the credit decision. The bank can take up to 30 days to verify and approve your credit card.

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How do I check my surge card status?

In most cases, you get immediate approval for your Surge credit card. The issuer also sends an official letter to the applicant’s registered address to confirm the credit approval.

However, if you don’t get instant credit approval, you can check your Surge credit card application status by calling the customer care number of Continental Finance at 1-866-449-4514.

If you want to check your account status, you need to log in to your account to get your electronic statement.

Does surge credit card give increases?

Though Surge credit card allows a mere $300 at the initial stage, it can go up to $2000, depending on your credit history. You just need to pay your monthly bills before the due date to be eligible for the increase in credit limit.

How often does a surge increase your credit limit?

Continental Finance rewards its customers with a hike in credit limit every six months. Cardholders who repay the monthly bills on time can enjoy such perks after six months.

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