How Does The Surge® Platinum Mastercard® Credit Card Work?

Posted on February 5, 2021 in Credit Cards

A new credit card can be a versatile tool if you’re looking to improve your bad credit, but you need to carefully pick your new account. Look for a card like the Surge® Platinum Mastercard®, which offers an initial credit line of up to $1,000, and doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time). There’s the potential to increase your credit limit after just six months, and you can feel confident in your purchases thanks to a $0 fraud liability guarantee. 

Best of all for credit rebuilders, the Surge® Platinum Mastercard® helps you improve your credit right away thanks to monthly reporting to the three major credit bureaus. Now that you know why the Surge® Platinum Mastercard® Credit Card is such a good credit card, read on to find how it works.

Surge® Platinum Mastercard® Credit Card Details

The Surge® Platinum Mastercard® credit card features a fast and easy application process. Surge® Platinum Mastercard® allows you to prequalify and see if your application will be approved. There’s no credit check necessary to prequalify, so you can learn about your approval chances without any negative impact on your credit score.

Your Surge® Platinum Mastercard® is widely accepted. You can feel confident when shopping thanks to the included 0% liability guarantee, which promises that you’re never responsible for unauthorized purchases.

Depending on your credit, the Surge® Platinum Mastercard® offers an APR of 29.99% (Variable). This APR applies both to purchases and to cash advances. The account has no minimum interest charge, and you aren’t responsible for any interest if you pay your entire balance by your monthly due date. Regular payments are a great way to improve your credit, so if you make each month’s payment on time, you can build your credit score while saving on charges.

The Surge® Platinum Mastercard® does include some fees. You’ll pay between an annual fee of between $75 and $99 on your first year with the account, and then $99 each following year. There is a $10 monthly maintenance fee which is waived your first year. You’re also responsible for a one-time new card fee of $30.

Surge® Platinum Mastercard® Credit Card Benefits

The Surge® Platinum Mastercard® includes many benefits for qualified account holders, including:

  • Prequalification check. Learn if you’re likely to be approved with no credit check.
  • Fast and easy approval process. If you’re approved, you can quickly start using your account.
  • An initial credit limit of up to $1000, that doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time). Every account is approved for at least $300 in credit.
  • Opportunity to increase your credit limit after as little as 6 months. You can increase your limit with proven responsible usage.
  • All accounts are reviewed for a credit limit increase after 12 months. A higher credit limit helps you reduce your credit utilization ratio, which can raise your credit score.
  • 0% fraud liability. Stay protected from unapproved purchases made on your account with this guarantee.
  • Monthly credit score check. You can keep track of your financial progress by regularly monitoring your credit score. Save money with monitoring by Surge® Platinum Mastercard®.

If you’re rebuilding your credit, one of the most important benefits to the Surge® Platinum Mastercard® is its regular reporting to the three major credit bureaus. Remember that your credit score evolves based on your real-time credit usage. You can improve your score every month with responsible credit usage. The Surge® Platinum Mastercard® is a valuable credit reporting tool that can rebuild your score. Get access to your Vantage 3.0 score from Experian (When you sign up for e-statements).

Surge® Platinum Mastercard® Application Process

The Surge® Platinum Mastercard® offers a fast, easy, and secure application process. You can see if you prequalify for an account in under a minute. There’s no credit check to check your prequalification status, so this is a great way to see if you can open an account without risking a check showing on your credit record. 

The application asks for basic personal information, such as your name, address, and Social Security number. You’ll also be asked about your monthly income, whether you’re employed, and if you have another active account at this time. 

The Surge® Platinum Mastercard® application site is a secure, safe page online. Your personal information is protected at all times using 128-bit digital encryption.

Surge® Platinum Mastercard® Login

Once you’re approved, you can also access your Surge card through a secure web portal. Use the Surge credit card login to take care of paying your bills, checking account status, and more. You can also download a robust, easy-to-use mobile app to your smartphone to check your account wherever you go.

How do I pay my Surge credit card?

Simply log in to the Online Account Management page to access your full account. You can view statements online, make payments, confirm your due dates, and more. Surge® Platinum Mastercard® also offers a mobile smartphone app, which you can download through the App Store or Google Play.

How do I check the status of my Surge credit card?

You can check your Surge credit card status through your Online Account Management system. Log in to your system through the Surge® Platinum Mastercard® website, or check your mobile app for status checks on the go.

Build & Monitor Credit

The Surge® Platinum Mastercard® offers several tools for building and monitoring your credit. This account reports your payments and usage to the three major credit bureaus every month. Regular payments and responsible credit activity are some of the most powerful ways to rebuild your credit or improve upon a poor credit score. Simply make your payments on time to watch your credit score start to improve. 

With responsible handling of your account, you can build your credit history. Get access to 24/7 credit monitoring with Surge® Platinum Mastercard®.

Surge® Platinum Mastercard® Customer Service

Your Surge® Platinum Mastercard® includes a helpful customer service resource! Whether you have questions about due dates, want to explore your online options, or need to discuss anything else about your account, customer service is there to help. Give Surge® Platinum Mastercard® a call at 1-866-449-4514 with all your questions.

Apply for the Surge® Platinum Mastercard® Credit Card Today!

Get started with an easy, secure application. There is no credit check required to prequalify, so see if you’re eligible to open a Surge® credit card today.

Searching for more credit card ideas? Take a look at popular cards below:

Principal Platinum Merchandise® Credit Card
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Reflex Mastercard® Credit Card
Total Visa® Credit Card
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Milestone Gold Mastercard®
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Horizon Gold Credit Card
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