Editor's ChoiceCategories Issuers Free Credit ScoreBlog
2.2
Advertiser Disclosure
Picture of Item Reviewed

Consumer Reviews, Credit Score and Limits
Reflex MasterCard Credit Card

Consumer Rating:
Average Score: 488
Lowest Score: 0
Highest Score: 640
* The following information was provided by consumers who filled out the review forms. Issuers do not endorse nor can anyone guarantee its accuracy.
CREDIT SCORE

By Limit
By Score
By Age
16 CONSUMER REVIEWS
OVERALL RATING  1
Posted 09/21/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I am going to use this card for 1 year. I'm trying to rebuild my credit.
CREDIT SCORE : 570
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  1
Posted 09/20/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I will read and go over the terms before I use with all the feed back I'm hearing. IF that pay for gas pay off balance every month to build credit.
CREDIT SCORE : 640
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  1
Posted 08/14/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I APPLIED FOR A CARD ONLY BECAUSE MY RESERVATION NUMBER SAID INVALID, I wanted a unsecure card,reservation number is D12250631590 ALSO I SENT IT IN THE MAIL BUT YOU ALL SAID THERE IS NO RECORD OF IT.MY PHONE NUMBER IS 678-754-5884 OR EMAIL ME,henderson.r940@gmail.com because at the present time I can not pay 500$ for a secured card,
CREDIT SCORE : 0
CREDIT LIMIT : $0
AGE : 18-24
OVERALL RATING  1
Posted 06/21/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
False and misleading advertising. They ask many questions,run credit then come back on line to inform you that you have been "approved" for an secured which the offer was to supposed to have been an "unsecured" credit card which they neglected to say upfront.
CREDIT SCORE : 0
CREDIT LIMIT : $500
AGE : 55-64
OVERALL RATING  3
Posted 06/15/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
$500 credit limit. Unsecured card. Nothing about this card impresses me, but I am rebuilding my credit so thats why I pulled the trigger on this one. I started with finger hut, then a credit one card and now this one. I will get rid of it as soon as I can, but at least I have it if I need it. It is very annoying that the payment is out of my bank, the credit card company shows the payment has been made and there is no balance owed, but they still won't make that money available to use yet. At least I have a regular card and I am rebuilding my credit, so It will get better.
CREDIT SCORE : 612
CREDIT LIMIT : $500
AGE : 45-54
OVERALL RATING  2
Posted 04/05/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 2/5
I got a mailer with this card.

Annual fee: $125 the first year, then $96.
Monthly Maintenance Fee: From 2nd year, $10 a month.
APR: 30.49%
Credit Limit: $500

I already have Credit One and Opensky before that. Think I will pass on this. The fees look ridiculous compared to the cards I have. For reference, my score is now at 540.
CREDIT SCORE : 540
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 04/01/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
I am in the process of rebuilding my credit. I got a mailer for this and decided to apply. The fees are high but I figured that I will only keep this card for up to a year max and cancel before the next annual fee.
CREDIT SCORE : 503
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  1
Posted 03/27/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I applied and was asked to put a $150 deposit. Ended up not activating it.
CREDIT SCORE : 554
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  2
Posted 03/16/2017
CUSTOMER SERVICE : 2/5
BENEFITS : 2/5
I got the offer in the mail and the terms look like it is the same as what everyone else got.

$500 limit
AF: $125 first year, then $96
MF: $10 per month from second year.

I gave this a skip. I already have a Capital One secured, Opensky secured and more recently a FIngerhut Freshstart (which has been upgraded to a regular account). So no reason to pay all these fees just to get an unsecured mastercard.
CREDIT SCORE : 495
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 03/04/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Got this offer from the mail. The fees are high and so is the APR. I have an existing Fingerhut account but I want a regular Visa or MasterCard and I seem to get rejected even by other similar cards like Credit One, FP and Indigo. So I gave this a shot and got approved for $500. My plan is to charge about $20 a month and pay in full and then cancel after one year.
CREDIT SCORE : 537
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 02/26/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Can't believe that I actually pulled the trigger on this card. But I have been turned down by Citi and Wells for their secured card. So, this is perhaps my ticket to a better score. Just got it but I have been putting about $30-$40 a month on the card and paying it off in full. I notice a payment hold for about 7 days but since I only utilize about 10% of my available credit, it does not bother me at all.
CREDIT SCORE : 495
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 02/18/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Got the pre-approved mail and when I applied, I was asked put a $50 deposit for a $500 limit. I did that and have just started using the card. BTW - the do put a 7 day hold on your deposit so you would not be able to use the card then.
CREDIT SCORE : 552
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  2
Posted 02/11/2017
CUSTOMER SERVICE : 2/5
BENEFITS : 2/5
I applied and was told to deposit $150. My score was about 585 and I figured that with this score (though not great), I should be able to get a better, lower fee card. So I did not follow up. In fact, about a week later, I got approved for Fingerhut (no fees).
CREDIT SCORE : 585
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 02/06/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Here's a quick warning. They put a payment hold on your account for about 7 days. So it is best not to use up your whole limit.
CREDIT SCORE : 610
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 01/29/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
The fees are so high. But I have been rejected by a couple of secured cards and even First Premier! So I was glad that at least someone would give me another chance. The one thing to be aware of is that they put a hold on your payment for about a week.
CREDIT SCORE : 583
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 01/21/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Got the pre-approved mail and applied online. I was approved for $500. Have not used it for long so maybe I'll check in at a later date for an update.
CREDIT SCORE : 534
CREDIT LIMIT : $500
AGE : 25-34
PLEASE SHARE YOUR EXPERIENCE
Name:
Credit Rating:
Credit Limit:
Overall Rating:
Benefits:
Customer Service:
Your Age:
Comments   (Please include your credit scores and limits on your card as well as any benefits or customer service experience) :




Privacy Policy Terms and Conditions About Me Disclosure Contact Me

Newsletter Sign Up

Name

Email