I got a “you are pre-approved for a Surge credit card” from the company. Overall Rating: I was quite ignorant when I got this card. by William Charles. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. I received a pre-approval on Credit karma or a similar site. I was asked if I had a credit or debit card, and to enter my acct no., expiration date, etc. However, all credit card information is presented without warranty. At the same time, not being pre-approved for a specific credit card can be a strong indicator (but, again, not a guarantee) that you will be rejected if you apply for that card, so you may want to rethink your choice of cards. *A Pre-approved credit card offer means you meet our initial credit and underwriting criteria and your application may be approved for this Surge Mastercard offer if you continue to meet this criteria. Do you have an active checking account or debit card? Note: All pre-qualified offers are based on credit worthiness. There are two things you could do, lower your overall credit utilization ratio to 30% or below, and consider applying for a credit-building card. * Yes No ZIP CODE. Pre-qualify Without hurting credit score; High APR; Could require a $200 security deposit ; $96.00 Annual Fee; $10.00 Monthly Fee; SUMMARY: The Surge Credit Card is almost a hybrid credit card, it might no require a security deposit (depending on your credit) and that would make it an unsecured card. However, they're still very prevalent, and many people find their mailboxes and email inboxes filled with offers. You may also like. All pre-qualified offers are based on credit worthiness. APR. You May be Pre-Approved . Surge Credit Card Login. Went to their website and applied. All of Barclaycard’s credit cards require at least a good credit score of 670 or higher to get a credit card approval. The card … See if you are Pre-Approved. then I was informed that $50 would be withdrawn from my personal debit acct. Free Credit Score* Transaction Alerts. This is also a great way to learn more about various credit card offers from different issuers and weigh the benefits of each one. I got the pre-approval mail. Surge definitely refers to the fees as in your fees will Click the “Apply Online” button to review the terms and conditions of the offer on the card issuer's web site. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. To get approved for additional credit cards, you’ll need to use your credit responsibly, make your payments on time to secure a high credit score, and keep your card utilization relatively low. Unsecured Credit Card. I did not provide my debit or credit card number and after that, they said I was denied. The Credit One Visa is pretty expensive, too, charging up to $99 in annual fees as well as an APR of 17.99% - 23.99% (V). What this means for you: When you apply for a card account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers: To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit optoutprescreen.com. Hi Beverly. Highlights. If you have received a direct mail offer from us, please select the "Accept mail offer!" But applicants aren’t guaranteed the unsecured version of the card — they may end up with a secured card instead. How to Opt-Out . All credit types welcome to apply! Delinquent payments that occurred before the card was lost are reported for seven years. Milestone Gold Mastercard vs. Surge Mastercard® Credit Card. Very few unsecured cards for poor credit are available, for one thing, and most have outlandish fees. Since most people shop for and compare credit cards online these days, there's virtually no reason to receive credit card offers via mail. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. Credit Score: 570 Credit Limit: 500 Age: 25-34. • $0 Fraud Liability. They said I was approved for $500. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. They might have got your name from some old mailing list when your scores were lower. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. APR(variable) ranges from 25.90% to 29.99%. This won’t affect your credit score and is not a guarantee of approval, but it should give you some extra peace of mind before you submit a formal application. No fees whatsoever. Reasonable efforts are made to maintain accurate information. This content is not provided or commissioned by the credit card issuer. Monthly reporting to the three major credit bureaus. Thanks to unfortunate reader Dan who received a pre-approved mailer for this card and bringing it to my attention. See Rates, Fees, Costs and Limitations. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. A couple of weeks later, I applied on line and the site said I was approved for $500.00. You could learn more about rewards programs and member benefits associated with each card and select the one that best fits … The Surge Mastercard is a credit card catering to the needs of people who want to re-establish and improve their credit. When searching for the best credit card for you, there are several factors that you ought to consider. This site does not include all credit card companies or all card offers available in the marketplace. $75.00 to $99.00. Based on this information, they will send you special offers via direct mail. button. A few cards have APR rates that you need to review before you sign on with a bank or lender. Now that you know how to get approved, you can shop and apply for the cards you want with confidence. Unless you fall into this category, your chances of getting one of Barclaycard’s cards are low. Card Features. Additionally, cardholders have one APR that applies to both purchases and cash advances (balance transfers cannot be performed with this card). If you have less-than-perfect credit, the Surge Mastercard® could give you access to an unsecured credit card with a $500 credit limit. Credit Limit. Credit Cards. Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750. Here is a full list of issuers that do allow this, along with the relevant websites/contact information. The benefits of receiving pre-approved credit card offers in the mail is that you can sometimes get very competitive introductory APRs. Pre-approvals typically mean that they have reviewed your credit score and basic history, and feel that you are a good candidate for their credit card or loan. EMAIL ADDRESS. LAST NAME. The Surge Mastercard® Credit Card is a no-frills Mastercard that offers a potential $300 to $750 credit line. Annual Fee . Pre-approved credit card offers can get annoying, especially when you're not in the market for a new card. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions. View Your Pre-Approved & Pre-Qualified Credit Card Offers (Updated For 2020) April 9, 2020, 18:38. Rates ranging from 25.90% - 29.99%. Did not do much research. The best unsecured credit card for people with bad credit who want instant approval is the Credit One Bank® Visa® Credit Card. Advertiser Disclosure. However all credit card information is presented without warranty. FIRST NAME. • Credit Limit. These financial institutions are performing what is known as a soft inquiry, which won’t hurt your credit score. But I was asked to deposit $150. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. • Annual Fee. Harbor Freight Launches Credit Card With 5% Back Or Financing; 10% Signup Bonus Offer [Targeted] Chase Co-brand Cards: Get 5x Points On Grocery & Gas (Up To $1,500/Month Spend for August – Sept) [Targeted] Bank of America Cash Rewards: Double Your … One of Barclaycard ’ s credit cards, however, all credit card issuers now allow you to cards. 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