Surge^® Platinum Mastercard^® Application

The application process for the Surge^® Platinum Mastercard^® is relatively quick and can be done online, over the phone, or in response to a mail offer. The easiest way is online, which usually provides an instant decision. The process includes a soft credit check for pre-qualification and a hard credit pull during the final application.

Before you apply

Before starting the application, you can first check if you pre-qualify without affecting your credit score. This is done on the Continental Finance website, which services the card for the issuing bank, Celtic Bank.

For pre-qualification, you will need to provide basic personal and financial information, such as:

• Name, address, date of birth, and Social Security Number (SSN)
• Phone number and email address
• Total monthly income and primary source of income
• Whether you have an active checking or debit account

The application process

You can submit your formal application online, over the phone, or via a pre-approved mail offer.

1. Read the terms and conditions: Before you submit, make sure you understand the high annual and maintenance fees and the APR.
2. Fill out the application: Complete the application with your personal and financial details. This is the same information requested for pre-qualification.
3. Authorize the credit check: By submitting the application, you authorize Continental Finance to perform a hard inquiry on your credit report. This may cause a temporary dip in your credit score.
4. Submit and await a decision: In most cases, a decision is made within seconds. In some instances, it can take up to 30 days if more information is required. If you are approved, your card will be mailed to you within three business days.

Application requirements

While the Surge^® Platinum Mastercard^® is intended for those with bad credit, there are still some general requirements you must meet to apply.

• Age: Be at least 18 years old (19 in Alabama).
• Address: Have a physical U.S. street address. P.O. boxes are not accepted. Residents of Colorado, West Virginia, Washington, and Minnesota cannot apply for the Surge^® Platinum Mastercard^®.
• Identification: Provide a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Income: You must have sufficient income to make the minimum monthly payments.
• Bank Account: You are required to have a checking or savings account.

Vantage 3.0 Score Range

500 to 680. Average around 600.