Surge Credit Card Login, Payment, Customer Service, and More

Getting a fair chance to apply and get credit is what every individual wants. However, many constraints prevent people from getting credit when needed. Therefore, many companies have been rolling out credit cards and loan programs to facilitate people with relatively low credit scores. These programs do not only provide people with finance in hard times but also serves as an opportunity to build credit by repayment of loan on time.

Continental Finance is a credit card company based in America that has been working in the US markets since 2005. The company offers credit products and services in the US as an underwriting, marketing, and servicing platform. The company is reputed as one of the leading companies, with over 2.6 million credit card users across the US.

There are several credit card solutions that Continental Finance Company offers to consumers out there. Surge, Verve, Reflex, Fit, Build, etc., are some of the credit cards issued by CFC to consumers all over the US.

In this article, we will discuss the Surge credit card, one of the popular products Continental Finance Company offers. We will talk about features, qualification criteria, card activation, and the registration process for Surge’s credit card. So let’s get into it.

Surge Credit Card And Its Features

The Surge Platinum Mastercard is one of the popular solutions for consumers who want to build their credit score. It has an A+ rated credit rating from Better Business Bureau(BBB).

CFC has collaborated with Celtic Bank to issue credit card solutions for consumers who want to build their credit. There are over 9500 positive reviews of the credit card solution on Trust Pilot. It is a Mastercard that is widely accepted.

Surge_Credit_Card

You can apply for a credit to fund your emergency expenses and also increase the credit limit over time. The card is not a reward card where you can expect cashback and discounts when shopping at your favorite brands. But it is indeed one of the best ways to build your credit effortlessly.

Here are the main features of the Surge Credit Card:

Credit Limit Between $300 and $1000

The Surge Mastercard comes with an initial credit limit of $300 and goes up to $1000. The credit line can be used everywhere with Mastercard acceptability. It is indeed a perfect solution to meet your emergency expenses that come up unexpectedly.

Increase Credit Limit Over The Time

The initial limit of the credit card ranges between $300 and $1000. However, if you think you should have a higher credit limit, you can get the opportunity by being responsible for the first six months.

The initial credit limit will double if a cardholder makes the first six monthly payments on time. You can also increase your credit limit by paying your bill in full, not using your full credit limit, and updating your income with your credit card company regularly.

Zero Liability Protection

The Surge Mastercard has zero liability protection, meaning that the cardholder won’t be responsible if authorized charges are made on his card. This zero fraud liability is indeed very peace-giving and gives you the confidence to shop with your Mastercard.

Free Monthly Credit Score

You get free access to your monthly credit score with your e-statements. You can check your score and strategize in building up and repairing your credit score by taking the necessary actions.

Pros And Cons Of Surge Platinum Mastercard

Here are the benefits and downsides of the Surge Platinum Mastercard:

Benefits

  • You get a credit limit to fund your emergency funds which can be doubled on timely or full payments.
  • Free access to your monthly credit score
  • An unsecured credit card doesn’t require the card applicants to make a security deposit.
  • Mastercard is accepted at millions of places.
  • Individuals with low credit scores are also eligible to apply for the Surge Platinum Mastercard.

Downsides

However, there are certain downsides of Surge Platinum Mastercard

  • The credit limit is not very high
  • No rewards and cash back, unlike many credit cards
  • You will have to pay an annual fee for having the credit card irrespective of limit utilization
  • Higher APR on the financing
  • Pre-approval is necessary to apply for your Surge Platinum Mastercard

Qualification Criteria For Surge Credit Card

Every bank and credit card company sets certain cut-off criteria to determine who can and who can’t apply for a credit card. Similarly, Continental Finance Company and Celtic Bank have also made some requirements mandatory to be fulfilled to become an applicant. Here is the information you will need to apply for a credit card from the company:

  • You must be a permanent resident or citizen of the US and its territories.
  • You must be at or above the age of majority according to your state’s law
  • You must have a valid physical address in the United States
  • Government-issued Social Security Number or ID Proof
  • Income information(steady source of income, low debt, more disposable income, etc.)
  • Pre-qualification approval from the company
  • Having a fair or good credit score

How To Apply For Surge Credit Card?

You will need to open an application with CFC to get your Surge Platinum Mastercard. You can apply for your credit card via the online portal and make a phone call to apply for your card.

Online Application

Here is the step-by-step procedure to apply for your credit card:

  1. Visit the official website of Surge Platinum Mastercard here and click on Apply Now.
  2. It will redirect you to the information form, where you will enter your personal information, contact information, and financial information.
  3. After entering data in the empty fields, review the information you have added to confirm its accuracy.
  4. Click on I Authorize Pre-Qualification and proceed to check if you pre-qualify to apply for Surge Platinum Mastercard.
  5. If you get approved, you will see the credit card offers from the Continental Finance Company.
  6. Apply for the right credit card according to your credit score and financial circumstances.

On The Phone

You can also proceed with your Surge Platinum Mastercard application by phone calling the dedicated Customer Service number. The number is as follows: 1-866-513-4598

You will have to provide basic information like your name, SSN, date of birth, address, and other financial income to proceed with an application. Based on pre-approval, you will be able to proceed with an official application to get your credit card.

Activation Of Surge Credit Card

Once approved, you will receive the credit card at your mailing address. However, you will need to activate it before start using it.

You can activate your Surge credit card online as well as via phone call.

Online

  1. Visit the official website of Surge credit card here and click on Activate from the top menu.
  2. It will open up the card activation screen in front of you. Enter the credit card information, including the credit card number, zip code, and last four digits of your SSN.
  3. Hit the Activate My Card button and proceed with the on-screen prompts to complete the card activation process.

Phone Call

For card activation via phone, call on the number given at the back of your credit card. Make sure that you are calling the company from your registered mobile number. The card activation number is sent to every cardholder via mail, and you will need to follow the on-call prompts and activate your card automatically.

How To Register For Online Access and Login to Surge Credit Card?

Surge Credit Card Login

Account management is one of the best features of Surge Platinum Mastercard. Therefore, you must know how to register and login into the online dashboard of your credit card account. Here is the step-by-step guide for registering:

  1. Visit the official website of Surge Platinum Mastercard and tap on login.
  2. It will open up the login page, but you must register for online access. Therefore, click on Register Now. 
  3. Start the registration process by entering your credit card’s and SSN’s last four digits. Also, provide the 5-digit zip code and proceed by clicking on Lookup Account.
  4. After system verification, you will be redirected to the webpage where you will create your username and password for future logins to the website.

Payment Of Surge Credit Card Bills

You can pay your Surge credit card bills in several ways: online, by CFC mobile app, by phone call, by mail, and by Autopay.

Online

  1. For online payment, log in to your credit card account here.
  2. Go to the Payment Section and click on Make Payment.
  3. Provide your payment information, like bill amount, payment date, etc.
  4. You can choose an already saved bank account or add a new bank account to pay the bill.
  5. Review the information and confirm the payment.

Mobile App

Login to your CFC mobile app and pay your card bill via your debit card or net banking.

Phone Call

You can also pay your credit card bills by calling on the following number: 1-800-518-6142

Provide the bank account number, bank routing number, payment amount, payment schedule, credit card number, and other information asked during the payment by calling.

Via Mail

Send your checks or money orders for paying credit card bills to the following mailing address:

Surge Card
P.O. Box 6812
Carol Stream, IL 60197-6812

Customer Service Of Surge

Via Call

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-800-518-6142

Mail

Alternatively, you can send your credit card-related queries to the mailing address of Surge credit cards

Surge Card
P.O. Box 6812
Carol Stream, IL 60197-6812

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