Building credit is one of the most difficult financial goals, as you will be under a lot of scrutiny from different financial institutions. Whether you want to build your credit or you want to repair it, it is a very challenging task that only a few credit cards can offer to do for you.
The Surge Mastercard is one of the only credit cards that allows you to apply even if you have a very low credit score. It offers the opportunity to build or repair your credit within a year or two.
If you’re interested in learning more about the Surge Mastercard Credit Card advantages, check the entire article below.
Surge Mastercard Benefits and Features
The Surge Mastercard Credit Card is unlike any other credit card out there.
It primarily focuses on bringing your credit score back up or laying a good foundation for your future financial goals and aspirations.
This credit card is meant for those who have been struggling to fix their credit and want the best possible option.
Check out the Surge Mastercard Credit Card Advantages below.
Build Credit in the Most Efficient Way Possible
When it comes to building your credit back up to standards, the Surge Mastercard Credit Card is one of the most efficient credit cards to have.
When you make on-time payments with the card, it can immediately boost your credit score with not just one but three different financial institutions, namely Experian, TransUnion, and Equifax.
This makes it one of the most efficient methods of building your credit, knowing your good work is rewarded almost immediately.
Get a Credit Limit Increase in No Time
Having the Surge Mastercard Credit Card is very beneficial for those who want to quickly increase their credit limit.
When you’re able to pay your bills on time, and there are no bad remarks on your credit history during the time you own the card, you can get a credit limit increase within a year.
It is a very simple task, and if you adhere to it, you should be on your way to improving your credit score and history.
Pre-qualify Without Hurting Your Score
Another great advantage when you have the Surge Mastercard Credit Card is that you get to apply and pre-qualify for the card without hurting your current credit score.
Say, for example, you have a good credit score but do not want to lower it by applying for a credit card. The Surge Mastercard doesn’t affect your score even if you are still uncertain about the approval of your application.
This encourages you to apply for the card even more.
Switch to Secured Version
In many credit cards that aim to build your credit, you can’t just switch from an unsecured to a secured version of the card.
It is impossible for you to do so with many credit cards out there knowing that you are still in the process of repairing your credit.
With the Surge Mastercard, you have the option to switch to a secured version and get a lower APR. All you need to do is to pay a security deposit and you’re good to go.
Check Out These Fees and Interest Rates
Speaking of APR, the Surge Mastercard Credit Card has a slew of fees and interest rates.
Cardholders are expected to pay an annual fee ranging from $75 to $125. There is also an APR of 29.99% for purchases.
There is also a cash advance fee of $10 or 3% of the amount of the cash advance and a foreign transaction fee of 3% of the total amount.
Is the Surge Mastercard the Right Credit Card for You?
If you’re looking for a credit card with rewards through regular use or an amazing set of interest rates and other benefits, the Surge Mastercard Credit Card might not be for you.
This credit card is meant for those who need to fix their ailing credit score or want to have a solid foundation on their credit score.
While it doesn’t offer any rewards on purchases, this credit card aims to achieve more by giving you better opportunities in the future.
The card lets you build a good credit score, which will allow you to access more powerful credit cards with many bonuses, perks, and features.
Contact Details
Those who want to learn more about the Surge Mastercard Credit Card can contact their customer service number at 1-888-673-4755.
You can get more details about the requirements of the card as well as how you can properly apply for it.
You may also visit their main office located at 4550 Linden Hill Rd Ste 400 Wilmington, DE, 19808-2952, USA.
How to Apply for the Surge Mastercard
There are several ways to apply for the Surge Mastercard but applying online is the preferred method to get approved as fast as possible.
To do this, you need to prepare all of your documents in digital format so you can upload them during your application.
These documents include proof of identity, proof of income, credit history, and many more.
You can contact their customer service hotline for an in-depth list of the requirements and updates regarding your application.
Applying Online
Once you have the required documents ready, head over to the official website click on Surge Mastercard then, Apply. Read all the terms and conditions before continuing to the application form.
Fill out the online application form and review everything before you submit it. You should wait for their update after submitting or you can check your email for more details.
Once approved, you should receive your new Surge Mastercard via mail a few days later.
Conclusion
Everyone is welcome to apply for the Surge Mastercard Credit Card. At a glance, you would think that this is a credit card that might not have all the features you need right now, but if you want to start fresh, this is the perfect card to build or repair your credit score.
