Based on checking the website, Surgecardinfo.com appears to be the online portal for the Surge Mastercard, a credit card designed primarily for consumers looking to build or rebuild their credit.

The site provides details on the card’s features, application process, and account management tools.

It highlights benefits like an initial credit limit up to $1,000, Mastercard Zero Liability Protection, and monthly reporting to all three major credit bureaus TransUnion, Experian, and Equifax, positioning itself as a tool for credit improvement.

The platform emphasizes its association with Continental Finance Company, which manages the card services, and Celtic Bank, the card issuer.

Both entities boast positive reputations, with Continental Finance noting an A+ rating from the Better Business Bureau.

For individuals with less-than-perfect credit seeking a pathway to better financial standing, Surgecardinfo.com presents the Surge Mastercard as a viable option.

However, as with any financial product, understanding the terms, conditions, and potential fees is crucial to ensure it aligns with one’s financial goals and doesn’t lead to further debt accumulation.

Find detailed reviews on Trustpilot, Reddit, and BBB.org.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Table of Contents

Navigating the Surge Mastercard: An Overview for Credit Building

The Surge Mastercard, managed by Continental Finance and issued by Celtic Bank, is positioned as a credit-building tool.

For those aiming to improve their credit score, understanding the mechanics of such a card is paramount. It’s not just about getting a card.

It’s about using it strategically to achieve your financial objectives.

Who is the Surge Mastercard For?

The Surge Mastercard specifically targets individuals with “less-than-perfect credit.” This includes:

Credit Builders: Those new to credit and establishing their first credit history.
Credit Rebuilders: Individuals who have faced financial setbacks e.g., bankruptcy, past delinquencies and are working to restore their credit health.
Consumers Excluded by Traditional Lenders: People who may not qualify for prime credit cards due to their current credit profile.

The Role of Continental Finance and Celtic Bank

It’s important to differentiate between the servicer and the issuer. Whittard.co.uk Reviews

Continental Finance Company: This is the marketer and servicer of the Surge Mastercard. They handle customer support, account management, and payment processing. Their A+ rating from the Better Business Bureau indicates a commitment to customer service and operational transparency.
Celtic Bank: This is the bank that issues the credit card. They are a Utah-chartered industrial bank, and like all banks, are regulated by federal and state banking authorities. Understanding the issuing bank is crucial because they are ultimately responsible for the credit line and adhere to banking regulations.

Key Features Promoted on Surgecardinfo.com

The website highlights several features designed to attract its target audience:

Initial Credit Limit up to $1,000: This provides a starting point for building credit, though the actual limit may vary based on individual creditworthiness.
Mastercard Zero Liability Protection: This is a standard benefit across most Mastercard products, offering protection against unauthorized charges. It provides peace of mind for cardholders.
Monthly Reporting to Three Major Credit Bureaus: This is arguably the most crucial feature for credit building. Consistent, on-time payments reported to TransUnion, Experian, and Equifax are essential for improving a credit score. Without this reporting, a card’s utility as a credit-building tool would be severely limited.
Free Monthly Credit Score: Enrolling in e-statements provides access to a free monthly credit score, allowing users to track their progress and see the impact of their financial habits. This is a valuable educational tool for those new to credit management.

Application Process: What to Expect When Applying for the Surge Mastercard

The process of applying for a credit card, especially one designed for credit building, comes with specific requirements and expectations.

Surgecardinfo.com outlines a straightforward application, but understanding the nuances is key.

Online Application Convenience

The website promotes an easy online application process.

This aligns with modern consumer expectations for quick and accessible financial services. The digital application typically means: Guitarcenter.com Reviews

Faster Processing: Online applications can often be processed more quickly than traditional paper applications.
Instant Decisions: In many cases, the website states that an instant decision will be provided. This can be a relief for applicants eager to know their status. However, it also notes that some applications may take up to 30 days if additional information is required.

Required Personal Information

As with any major credit card application, Surgecardinfo.com requires standard personal identifiers to comply with federal regulations and assess creditworthiness. This includes:

Full Name: As it appears on government documents.
Social Security Number SSN: Used to pull credit bureau data.
Date of Birth: To verify age and identity.
Physical Address: A P.O. box is explicitly stated as not being accepted, which is common for financial institutions due to identity verification and fraud prevention measures.
Monthly Income: This is used in conjunction with credit bureau data to assess an applicant’s ability to repay debt.

Why is This Information Needed?

The website transparently explains the dual purpose of collecting personal data:

Federal Law Compliance: The U.S. Patriot Act requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This is a critical measure against financial fraud and terrorism financing.
Creditworthiness Assessment: The SSN allows the issuer to access credit reports from TransUnion, Experian, and Equifax. This data, combined with income information, helps the bank determine the applicant’s credit risk and set an appropriate initial credit limit.

Post-Approval Process

If approved, the process moves quickly:

Card Mailing: The new Surge Mastercard and welcome materials are typically mailed within three business days.
Activation: Cards can be activated online via the website listed on the back of the card or over the phone using the toll-free number provided. It’s crucial to activate the card from the phone number provided on the application within 30 days of receipt.

Credit-Building Mechanisms: How Surge Mastercard Impacts Your Credit Score

The core value proposition of the Surge Mastercard lies in its ability to help users build or rebuild their credit. This isn’t magic.

It’s a direct result of how credit bureaus interpret your financial behavior. Extranomical.com Reviews

Monthly Reporting to All Three Major Bureaus

This is the cornerstone of any effective credit-building strategy.

Surgecardinfo.com explicitly states that Celtic Bank the issuer and Continental Finance the servicer report your payment history to:

TransUnion
Experian
Equifax

Consistent reporting is vital because these three agencies are responsible for compiling your credit report, which forms the basis of your credit score.

If a card only reports to one or two, its impact on your overall credit profile might be less comprehensive.

The Impact of On-Time Payments

Your payment history accounts for approximately 35% of your FICO score, making it the single most influential factor. Moonwalkbaby.com Reviews

Positive Impact: Making payments on time, every time, demonstrates financial responsibility and significantly boosts your credit score over time. Each on-time payment recorded contributes positively to your credit file.
Negative Impact: Even a single late payment typically 30 days or more past due can have a substantial negative impact on your credit score, potentially staying on your report for up to seven years.

Credit Utilization and Its Importance

Beyond timely payments, keeping your credit utilization low is critical. Credit utilization refers to the amount of credit you’re using compared to your total available credit. It accounts for roughly 30% of your FICO score.

Recommendation: Financial experts generally recommend keeping your credit utilization below 30%. For a card with a $1,000 limit, this means aiming to keep your balance below $300.
Example: If you have a $500 credit limit and consistently carry a $450 balance, your utilization is 90%, which signals high risk to lenders and can significantly suppress your score. Using the card for small, manageable purchases and paying them off in full each month is the most effective strategy.

Credit Mix and Length of Credit History

Length of Credit History 15% of FICO score: The longer you hold an account in good standing, the better. This demonstrates long-term financial stability.

Online Account Management and Digital Tools

Surgecardinfo.com highlights robust online account management features and a mobile app to empower cardholders.

Comprehensive Online Account Management System

The website promotes an “Online Account Management system” that offers a suite of functionalities, ensuring cardholders can stay on top of their finances from virtually anywhere. Key capabilities include:

Viewing Statements: Access to current and historical billing statements, crucial for record-keeping and understanding monthly activity.
Making Payments: The ability to schedule one-time or recurring payments, ensuring timely payments and avoiding late fees. This is critical for credit building.
Checking Due Dates: Easy access to payment due dates helps prevent missed payments.
Viewing Recent Transactions: Real-time or near real-time updates on card activity, allowing users to monitor spending and detect any unauthorized charges promptly.
Viewing Payment History: A complete record of past payments, useful for tracking financial habits and confirming payments were processed.
Checking Balance and Other Credit Info: Quick access to current balance, available credit, and other important account details.

Mobile App for On-the-Go Management

The availability of a mobile app extends the convenience of online account management to smartphones and tablets. This allows users to:

Manage Account Anytime, Anywhere: Pay bills during a lunch break, check balances while shopping, or review transactions on the go.
Receive Notifications: Many financial apps offer push notifications for payment reminders, transaction alerts, or balance updates, which can be invaluable for staying organized.
Enhanced Security: Mobile apps often incorporate biometric login fingerprint, facial recognition for secure access.

Free Monthly Credit Score Access

A standout feature mentioned is the provision of a free monthly credit score when enrolling in e-statements. Simbasleep.com Reviews

This is a significant benefit for individuals focused on credit building:

Track Progress: Users can directly see how their financial actions e.g., paying on time, reducing balances impact their credit score month over month.
Educational Tool: For those unfamiliar with credit scoring, this provides a tangible feedback loop, reinforcing the importance of positive financial habits.
Empowerment: Knowing your score allows you to make informed decisions about future credit applications or financial goals. For example, if your score has improved significantly, you might consider applying for a prime card with better terms.

Credit Protection Program

The website also mentions a “Credit Protection program” available to all Surge Credit Card holders.

While details aren’t exhaustively laid out on the main page, such programs typically offer:

Payment Protection: In certain unforeseen circumstances e.g., job loss, disability, the program might cover minimum payments for a period, preventing derogatory marks on your credit report.
Balance Protection: Some programs may waive or reduce outstanding balances under specific hardship conditions.
Important Note: Such programs usually come with an additional monthly fee. It’s crucial for consumers to carefully review the terms, conditions, and costs of any credit protection program before enrolling, as they may not be suitable for everyone.

Understanding Fees and Terms: The Fine Print of Credit Building Cards

While Surgecardinfo.com highlights the benefits, a comprehensive review necessitates a look at the financial aspects, particularly fees, which are common with credit cards designed for those with lower credit scores.

While specific fee details aren’t front-and-center on the homepage, the mention of a “Cardholder Agreement” implies these details are readily available. Wealthsharing168.com Reviews

Annual Fees

Many credit cards for rebuilding credit come with an annual fee.

This is a common practice to offset the higher risk associated with lending to individuals with less-than-perfect credit.

Initial Fees: Some cards may have an upfront program fee or activation fee in addition to an annual fee.
Impact: An annual fee reduces the effective credit limit and can feel like a direct cost for the opportunity to build credit. For example, a $75 annual fee on a $500 limit means your effective starting credit is only $425.
Comparison: It’s vital to compare annual fees with other credit-building cards on the market to ensure the cost is justified by the benefits.

Interest Rates APR

Credit cards for rebuilding credit typically carry higher Annual Percentage Rates APRs compared to prime credit cards.

Strategy for Credit Building: To avoid interest charges and maximize credit building, the best strategy is to pay off your balance in full every month. If you carry a balance, the high APR can quickly erode any financial benefit.

Other Potential Fees

Credit card agreements can include various other fees:

Late Payment Fees: Charged if your payment is not received by the due date. These can be substantial and also lead to a negative mark on your credit report.
Returned Payment Fees: If a payment attempt fails e.g., insufficient funds in your bank account.
Cash Advance Fees: A fee charged for withdrawing cash using your credit card, often accompanied by an even higher APR that begins accruing immediately. It’s generally advisable to avoid cash advances.
Foreign Transaction Fees: A percentage fee charged on purchases made in a foreign currency or processed by a foreign bank.
Over-the-Limit Fees: Though less common now due to regulatory changes requiring opt-in for over-limit transactions, some cards may still have them if you authorize transactions exceeding your limit.

Understanding the Cardholder Agreement

The website correctly points users to the “Cardholder Agreement.” This document is the legal contract between you and the issuer Celtic Bank. It contains all the detailed information on: Flyer-club.com Reviews

APR for Purchases, Cash Advances
All applicable fees and charges
Payment terms and conditions
Dispute resolution processes
Cardholder rights and responsibilities
Privacy policy details

It is absolutely crucial to read and understand this agreement before activating and using the card. Don’t just skim it. pay close attention to any section detailing fees or interest rates.

Privacy and Security Measures: Protecting Cardholder Information

In an era of increasing cyber threats, the security of personal and financial data is paramount.

Surgecardinfo.com addresses this concern, highlighting Mastercard’s built-in protections and outlining its own privacy policy.

Mastercard Zero Liability Protection

This is a standard and robust security feature offered by Mastercard, and its mention on Surgecardinfo.com is a significant reassurance.

Protection Against Unauthorized Charges: If your card is lost, stolen, or used fraudulently, you are generally not held responsible for unauthorized transactions. This applies to purchases made in a store, online, or over the phone.
Conditions: While robust, there are usually conditions. Cardholders are typically required to:
- Report the loss or theft promptly: The sooner you report it, the better.
- Exercise reasonable care: Protect your card and PIN.
- Cooperate with the investigation: Provide any requested information to assist the bank in their inquiry.
Peace of Mind: This protection allows cardholders to use their Surge Mastercard with greater confidence, knowing they are shielded from the financial repercussions of fraud.

Data Privacy Policy

The website links to a detailed “Privacy Policy.” This is a legal document that outlines how the company collects, uses, protects, and shares your personal information. Metairfare.com Reviews

Key aspects typically covered in a comprehensive privacy policy include:

Types of Information Collected: This might include personal identifiers name, address, SSN, financial information account balances, transaction history, and technical data IP address, browser type.
How Information is Used: For processing applications, managing accounts, marketing, and complying with legal obligations.
Information Sharing: Details on whether and with whom your information might be shared e.g., affiliates, third-party service providers, credit bureaus, legal authorities. It is especially important to understand what information is shared with non-affiliated third parties for marketing purposes, and whether you have opt-out rights.
Security Measures: General statements about the safeguards in place to protect your data e.g., encryption, access controls.
Your Rights: Information about your rights regarding your personal data e.g., access, correction, deletion, opt-out.

Industry Standard Security Practices

While not explicitly detailed on the homepage, reputable financial service websites like Surgecardinfo.com typically employ industry-standard security measures to protect data transmission and storage:

SSL/TLS Encryption: Look for “https://” in the website address and a padlock icon in your browser’s address bar. This indicates that communication between your browser and the website is encrypted, protecting sensitive information like your SSN or payment details during application or login.
Firewalls and Intrusion Detection Systems: To protect against unauthorized access to their servers.
Regular Security Audits: To identify and address potential vulnerabilities.
Employee Training: To ensure staff understand and adhere to strict data security protocols.

User Responsibility in Security

While the company provides safeguards, users also play a crucial role in protecting their own accounts:

Strong, Unique Passwords: Use complex passwords for your online account and avoid reusing them across different platforms.
Two-Factor Authentication 2FA: If offered, enable 2FA for an extra layer of security.
Beware of Phishing: Be cautious of suspicious emails or messages asking for your login credentials or personal information. Always verify the sender before clicking links or providing data.
Monitor Account Activity: Regularly check your transactions for any unauthorized charges.

Customer Service and Support: Getting Help with Your Surge Mastercard

Having access to reliable customer support is crucial for any financial product, especially one designed for credit building where users might have more questions.

Surgecardinfo.com provides clear channels for assistance. Relayfi.com Reviews

Direct Contact Information

The website provides readily accessible contact numbers for customer service, a positive sign of transparency and support:

General Customer Service: 1-866-449-4514. This is the primary number for general inquiries, account management, and assistance.
Lost or Stolen Card Reporting: 833-817-3433. A dedicated line for emergencies like a lost or stolen card, which is critical for immediate action and fraud prevention.

Online Customer Service Information

Beyond phone numbers, the site encourages users to “Click for Customer Service Information.” This usually leads to a dedicated support page or FAQ section that might include:

Email Support: An email address for non-urgent inquiries.
Secure Messaging: A portal within the online account management system for secure communication with customer service representatives.
Extensive FAQ Section: A comprehensive list of frequently asked questions, allowing users to find answers to common queries quickly without needing to contact support directly. The homepage already features a concise FAQ section, indicating a commitment to self-service resources.

What to Expect from Customer Service

For a credit card geared towards credit building, customer service quality is particularly important. Users may need assistance with:

Understanding their credit report: How payments are reported, what a good utilization rate means.
Navigating online account features: Setting up payments, viewing statements.
Disputing charges: If an unauthorized transaction appears.
Understanding fees: Clarifying annual fees, interest charges, or other costs.
Payment arrangements: In case of financial difficulty, though options might be limited for high-risk cards.

Importance of Accessible and Responsive Support

Building Trust: Clear and efficient customer service builds trust, especially for consumers who may be new to credit management or have had negative experiences with financial institutions in the past.
Problem Resolution: Quick resolution of issues, from technical glitches with online login to disputing a charge, is vital for maintaining a positive customer experience and preventing financial stress.
Financial Education: Good customer service representatives can often provide basic guidance on managing the card effectively to build credit.

Reputation and Trust: What Industry Ratings and Customer Feedback Suggest

Surgecardinfo.com prominently features its association with Continental Finance Company and highlights their reputation.

Understanding these indicators, alongside broader customer feedback, is key to assessing trustworthiness. Spamedica.co.uk Reviews

Continental Finance’s Reputation

The website states: “Continental Finance Company values what customers have to say.

With more than 2.6 million credit cards managed since our founding, we pride ourselves on putting the customer first.” It also highlights:

Better Business Bureau BBB Rating: “Proudly rated A+ by the Better Business Bureau.” An A+ rating from the BBB indicates that the company has a strong track record of resolving customer complaints and operating ethically. This is a significant positive signal for consumers.
Managed Accounts: The figure of “more than 2.6 million credit cards managed since our founding” speaks to their scale and experience in the subprime credit market.

Trustpilot Mention

The homepage also features the Trustpilot logo, implying a positive presence on this popular review platform.

While a specific score isn’t displayed directly on the homepage, checking Trustpilot or similar sites like ConsumerAffairs, BBB reviews for “Continental Finance” or “Surge Mastercard” can provide valuable insights into:

Common Customer Experiences: Are people generally satisfied with customer service? Are fees well-understood? Is the credit-building aspect effective?
Frequency of Complaints: What are the most common issues reported by users?
Company Responsiveness: How actively does the company respond to reviews, particularly negative ones, and attempt to resolve issues? A company that engages with feedback often demonstrates a commitment to customer satisfaction.

Considerations for Subprime Credit Products

It’s important to frame reviews for credit cards like Surge within the context of the subprime market: Desmondanddempsey.com Reviews

Higher Fees are Expected: Customers applying for these cards often have limited options due to their credit history. Consequently, higher annual fees, interest rates, and other charges are common and often reflect the higher risk the issuer takes. Reviews sometimes reflect frustration with these fees, but it’s important to remember they are part of the product’s design for this specific market segment.
Focus on Credit Building: The primary goal for most users of this card is to improve their credit score. Reviews should ideally reflect whether the card successfully facilitates this through consistent reporting and responsible use.
Expectations Management: Consumers should go into this type of card with realistic expectations regarding limits, fees, and the time it takes to build credit.

Broader Market Sentiment

While specific reviews for Surgecardinfo.com are important, general sentiment regarding credit cards for bad credit can also inform your perspective.

Many users report that while these cards help build credit, they require strict discipline to avoid accumulating high-interest debt.

The fees can be a sticking point if not understood upfront.

Ultimately, Continental Finance’s A+ BBB rating is a strong indicator of corporate responsibility and problem-solving, which bodes well for potential Surge Mastercard holders.

However, into actual user reviews on independent platforms provides the ground-level perspective on daily user experience. Phonesrefurb.com Reviews

Alternatives and Comparison: Exploring Other Credit-Building Options

While the Surge Mastercard offers a pathway to credit building, it’s always prudent to consider alternatives.

The market for individuals with less-than-perfect credit has evolved, offering various options beyond traditional unsecured cards.

Secured Credit Cards

Secured credit cards are often considered a more effective and less costly alternative for credit building.

How They Work: You put down a security deposit e.g., $200, and this deposit typically becomes your credit limit. This deposit minimizes the risk for the issuer.
Benefits:
- Lower Fees: Many secured cards have lower annual fees, or even no annual fee.
- Lower APRs: Often have more reasonable interest rates compared to unsecured cards for bad credit.
- Direct Path to Unsecured: Many secured cards automatically “graduate” to unsecured cards after a period of responsible use e.g., 6-12 months of on-time payments.
- Reports to Bureaus: Like the Surge Mastercard, they report to all three major credit bureaus, helping build payment history.
Examples: Discover it® Secured Card, Capital One Platinum Secured Credit Card.
Comparison to Surge: While Surge offers an initial unsecured line, a secured card might be a safer and potentially cheaper starting point for some, especially if they have the upfront deposit available.

Credit Builder Loans

These are unique financial products designed specifically to help build credit without requiring an upfront deposit like a secured card.

How They Work: You apply for a small loan e.g., $500 – $1,000. The loan amount is typically held in a locked savings account or Certificate of Deposit CD by the lender. You make monthly payments on the loan, which are reported to credit bureaus. Once the loan is fully paid off, you receive the lump sum back.
- Forced Savings: You end up with the money at the end, unlike credit card fees.
- Reports to Bureaus: Crucial for credit building.
Comparison to Surge: Credit builder loans don’t offer immediate spending power but are a structured way to demonstrate repayment ability and add an installment trade line to your report.

Authorized User Status

If you have a trusted family member or friend with excellent credit, becoming an authorized user on their credit card can be a passive way to build credit. Bestwallet.com Reviews

How It Works: Your name is added to their account, and the account’s history including positive payment history and low utilization may appear on your credit report.
- No Cost to You: Typically, no fees or payments are required from the authorized user.
- Immediate Boost: Can provide a quick boost to your credit score, especially if the account has a long history and low utilization.
Considerations: The primary cardholder is responsible for payments. Their negative actions can also affect your score. This method relies on someone else’s credit and trust.
Comparison to Surge: This is a supplemental strategy, not a primary tool like the Surge Mastercard, as it doesn’t build your own independent credit habits directly.

Prepaid Cards Cautionary Note

Important Distinction: Prepaid cards are NOT credit cards. They do not report to credit bureaus and do not help build credit. They are essentially debit cards that you load money onto.
Avoid for Credit Building: Do not confuse prepaid cards with secured credit cards when your goal is to build credit.

Choosing the Right Option

The best alternative depends on your individual circumstances:

If you have an upfront deposit: A secured credit card is often a more cost-effective and direct path to credit building than an unsecured subprime card.
If you need to build installment credit or save money: A credit builder loan can be a great option.
If you have a trusted individual with good credit: Authorized user status can be a quick boost.
If you need immediate unsecured credit and understand the fees: The Surge Mastercard might be suitable, but proceed with caution and a clear strategy to pay in full.

Regardless of the choice, the core principles remain: make on-time payments, keep utilization low, and monitor your credit report.

Frequently Asked Questions

Is Surgecardinfo.com a legitimate website?

Yes, based on looking at the website, Surgecardinfo.com appears to be a legitimate online portal for the Surge Mastercard, which is issued by Celtic Bank and serviced by Continental Finance Company.

Is the Surge Mastercard a good credit card?

The Surge Mastercard can be a useful tool for individuals looking to build or rebuild their credit history, as it reports to all three major credit bureaus.

However, like many credit cards for those with less-than-perfect credit, it may come with higher fees and interest rates, so it’s essential to understand its terms to determine if it’s “good” for your specific financial situation. Farandaway.co Reviews

Who issues the Surge Mastercard?

The Surge Mastercard is issued by Celtic Bank, which is a Utah-chartered industrial bank.

Who services the Surge Mastercard account?

Continental Finance Company “Continental Finance” is the servicer and marketer of the Surge Mastercard accounts.

Does Continental Finance have a good reputation?

Yes, Continental Finance Company is proudly rated A+ by the Better Business Bureau, indicating a strong reputation for addressing customer concerns and operating ethically.

Does Surgecardinfo.com report to all three credit bureaus?

Yes, the Surge Mastercard, through its servicer Continental Finance, reports your payment activity to all three major credit bureaus: TransUnion, Experian, and Equifax.

What is the initial credit limit for the Surge Mastercard?

The initial credit limit for the Surge Mastercard can range up to $1,000, though the specific limit you receive will depend on your creditworthiness and the terms of your offer. Pptbooking.com Reviews

How do I apply for a Surge Mastercard?

You can apply for a Surge Mastercard directly online from the Surgecardinfo.com website.

What information do I need to apply for a Surge Mastercard?

To apply, you will typically need your full name, Social Security Number, date of birth, physical address P.O. boxes are not accepted, and monthly income.

How long does it take to get a decision on a Surge Mastercard application?

In most cases, an instant decision is provided.

However, some applications may require additional information and could take up to 30 days for a decision.

When will I receive my Surge Mastercard after approval?

If approved, your new Surge Mastercard and welcome materials are typically mailed within three business days.

How do I activate my new Surge Mastercard?

You can activate your Surge Mastercard online via the website provided on the back of your card, or by calling the toll-free activation number printed on the sticker affixed to your new card within 30 days of receiving it.

Can I manage my Surge Mastercard account online?

Yes, you can enroll in the Online Account Management system to view statements, make payments, check due dates, view transactions, and access your credit score.

Is there a mobile app for the Surge Mastercard?

Yes, a mobile app is available for the Surge Mastercard, allowing you to manage your account anytime from any mobile device.

Does the Surge Mastercard offer a free credit score?

Yes, when you activate a Surge Mastercard and enroll in e-statements, you can get a free monthly credit score.

What is Mastercard Zero Liability Protection?

Mastercard Zero Liability Protection means you will not be held responsible for unauthorized charges on your Surge Mastercard, providing protection against fraud as long as you report issues promptly.

Is there an annual fee for the Surge Mastercard?

The website indicates that it is a financial product geared towards credit building, which often entails fees.

You should review the specific terms in the Cardholder Agreement for details on any annual fees or other charges.

Can I use the Surge Mastercard for cash advances?

While the card is a Mastercard and can likely be used for cash advances, it’s generally advised to avoid them due to high fees and immediate, often higher, interest accrual.

How can I improve my credit score with the Surge Mastercard?

To improve your credit score with the Surge Mastercard, consistently make your payments on time and keep your credit utilization the amount you owe compared to your credit limit as low as possible, ideally below 30%.

Where can I find the detailed terms and conditions for the Surge Mastercard?

Detailed information on the Surge Mastercard’s terms, conditions, and fees can be found in the Cardholder Agreement, which the website encourages users to review.

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