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:
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.Vantage 3.0 Score Range
500 to 680. Average around 600.Surge® 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 Surge 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
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
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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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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