Wednesday, August 4, 2021

All about Surge Secured Master Card

What is Surge Secured Master Card?

Celtic Bank offers the Surge MasterCard credit card, which is meant for people with a poor credit history or none at all who wants to establish or rebuild their credit. In less than a minute, you may check the status of your Surge credit card application and find if you're pre-qualified. Although this unsecured credit card does not require collateral, it does come with a hefty annual charge. If your credit card options are restricted, a Surge MasterCard payment plan might help you improve your credit score through responsible use.

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  • Rewards rate: N/A
  • Welcome offer: N/A
  • Annual fee: $75–$99
  • Purchase Intro APR: N/A
  • Balance Transfer Intro APR: N/A
  • Regular APR: 24.99% — 29.99% variable

Features of Security come with Secured master Card:

This card comes with conventional security measures like restricted responsibility for unauthorised transactions, card replacement in the event of loss or theft, and encryption technology.


  • Consumers with a wide range of credit ratings can apply for the Surge MasterCard credit card. It's a good alternative for people who can't be approved for an unsecured credit card and don't want to put down a security deposit, as secured credit cards do.
  • After six months of making the required minimum monthly payments, you may be eligible for a credit limit increase. This can assist in lowering your credit use, which is another aspect that can improve your credit score.
  • Your Surge credit card activity will be reported to all three main credit agencies — TransUnion, Experian, and Equifax — as you use the card. You may improve your credit score and eventually qualify for a better credit card if you make on-time payments, keep your credit card utilisation low, and use it responsibly.


  • High Fees: While the Surge MasterCard is offered to people with bad credit, it comes with a slew of fees, including:
  • Fee per year: It will cost between $75 and $99. In the first month, the cost is withdrawn from your available credit line.
  • You'll pay 3% of each transaction made outside of the United States as a foreign transaction fee.
  • Late Payment Fee: If you miss a payment, you may be charged a fee of up to $40.
  • You may be charged a fee of up to $40 if a payment is returned.
  • Interest rates are astronomically high: Surge MasterCard has a variable APR of 25.90% to 29.99% on purchases, which is high even for a starting credit card. Fortunately, you have a 25-day grace period from the end of your previous billing cycle to pay down your account balance without incurring interest charges.
  • If you decide to apply for the Surge MasterCard and are approved, we advise you to avoid carrying a balance. At this high rate, interest costs on even a few dollars carried over from month to month can soon add up.
  • Monthly Maintenance Amount: The fee is $120, invoiced monthly at $10, and charged at the beginning of your payment cycle.
  • Additional Card Fee: You'll be charged $30 if you add a user to your account.
  • No Rewards Frame: You can’t get any cash back or points with the Surge MasterCard because it doesn't have any incentives. Although this isn't unusual for a credit card for those with bad credit, there are a few exceptions that offer important incentives.

Is it Surge MasterCard even worth it?

The Surge MasterCard can help you develop credit with responsible usage if you require an unsecured credit card and don't qualify for other cards. You may be able to qualify for a lower-cost secured credit card or a card with greater advantages if you can qualify for a card with a reduced annual fee or have the cash to submit a refundable security deposit. You should check reviews online before getting one , it will really be beneficial.

Having Problem with Surge MasterCard?

The customer service phone numbers and addresses for the Surge Credit Card are listed below. Just give them a phone call.

  • Automated Account Information. 1-866-449-4514.
  • Customer Service. 1-866-449-4514.
  • Payments. 1-800-518-6142.
  • Lost/Stolen Card. 1-800-556-5678.
  • Website-
  • Payment address: Surge Card P.O. Box 31292 Tampa, FL 33631-3292

Still having trouble! No problem, Cancel the Card

Even after your complaints your issue is not resolved! No problem, Call Continental Finance's customer care line at 866-449-4514 to cancel your Surge Credit Card. You may be requested to supply personal information such as your account number, the last four digits of your social security number or registered E-mail for customer care representative to verify your identification and process your cancellation.

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