Reflex® Platinum Mastercard® | Bad Credit Pre-Approval
The Reflex® Platinum Mastercard® is an unsecured credit card designed for individuals with bad or limited credit who need to build or rebuild their credit history. Like other cards serviced by Continental Finance, it comes with a high fixed interest rate and significant fees. The Reflex® Platinum Mastercard® is designed for people with less than perfect credit with Credit Limit Range: $300 - $1,000 ($300, $500, $750, $1,000).
Key features
Significant drawbacks
The card is known for its high costs and lack of benefits, making it an expensive choice for credit-building.Is the Reflex® Platinum Mastercard® right for you?
Due to the numerous high fees and interest rate, financial experts often recommend looking for alternative options first, such as secured credit cards, which can offer a better path to building credit at a lower cost. For example, some secured cards have no annual fee and can transition to unsecured credit cards after responsible use.However, if you cannot qualify for other credit-building cards and urgently need an unsecured card, the Reflex® Platinum Mastercard® is a legitimate option. If you are approved, experts advise making all your payments on time and paying the balance in full each month to avoid the high APR and fees.
Reflex® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- CLICK HERE TO APPLY ONLINE
*See Card Terms and Conditions
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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