The Surge Mastercard® card is a solid option for people with bad credit to repair their history. Issued by Celtic Bank and serviced by Continental Finance, cardholders can use the Surge card anywhere Mastercard is accepted.

This is an unsecured card, which means clients don’t need to put down a security deposit in order to get a spending limit. However, the initial credit limit (between $300 and $1,000) varies based on creditworthiness.

With monthly payment reports to Experian, Equifax and TransUnion, clients can repair their damaged score by paying their bills on time and not using all of their credit limit. Paying their bill on time may also double their spending limit in just 6 months.

Surge charges an annual fee between $75 and $99 based on creditworthiness. There are no monthly fees during the first year of card usage, but the company charges up to $10 after that. That fee is waived for clients with a limit between $750 and $1,000.

The Surge Mastercard® card has a variable APR that ranges between 24.99% and 29.99%. Therefore, it’s important to not carry a balance to avoid paying a high interest. With its fast application process, clients can know if they pre-qualify in seconds. Read on to learn how to apply for this card.

You can apply for a Surge Mastercard® card online in just a few easy steps. First, you have to access the Continental Finance – the company that provides the product – website.

Then, click on the “menu” bar at the top right corner of your screen and select “credit cards”. The page will present you with a selection of products offered by the company and you’ll have to scroll down until you find the Surge option.

By clicking on “apply now”, you’ll have to fill in an online form for the pre-qualification. This part of the process will determine your spending limit based on your financial history.

If all the information is correct and you agree with the company’s terms, follow the steps required by Continental Finance to finish the application form and click “send”. 

Clients get free 24/7 account access to manage their credit cards. Surge allows cardholders to view their balances, pay their bills and check their limit via mobile easily. However, all new applications have to go through their official website. The company grants access to its mobile app after the card’s been activated. 

If you feel unsure about requesting a Surge Mastercard® card and want to look at other options before making a decision, check out the Secured Sable ONE credit card! Even though the Sable ONE is a secured card, cardholders are not required to put down a minimum deposit.

With a low APR and cash back rewards, maybe the Sable ONE is the card you’ve been looking for afterall. 

Check some of its features below and proceed to the following link for more information about the card’s application process.