Reflex MasterCard Credit Card

Picture of Reflex MasterCard
36 Reviews
Consumer Rating:


Apply Here 1.7
Lowest:
0
Average Score:
458
Highest:
711
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0%
4 Star
0%
3 Star
22%
2 Star
11%
1 Star
44%
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Credit Score: 711 Credit Limit: 800 Age: 45-54
Posted 08/02 2019
Overall Rating:
This card is too difficult to monitor. If you are truly trying to improve your credit, this card does nothing to help ease the tension and frustration already experienced with a 'no help' financial system. With no customer service to speak of, to much time before payments are posted to your account, unfriendly navigation needed to understand and use paperless billing statements, high interest rates, and unbelievable high fees, this card is capable of causing more harm than good. I rarely use this card. I only keep it active to take advantage of the $800 credit line which strongly helps with the valuation impact on the credit score.

I recommend getting a $300 secured Discover card and make timely payments for 6 months. Then watch your credit score rise. I went from 545 to 711 in 14 months. I stopped using the REFLEX Card 3 months after I got it. REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card.
 
Credit Score: 620 Credit Limit: 500 Age: 25-34
Posted 07/31 2019
Overall Rating:
Received a letter in the mail With the offer but after carefully reviewing the complaints And high fees I thought it was a BAD IDEA . I have a low credit score and trying to build but not going to fall back into messing with this company here . Make smart Decisions .. So I declined
 
Credit Score: 630 Credit Limit: 1100 Age: 45-54
Posted 07/23 2019
Overall Rating:
Credit was decimated after bad divorce. Started off with $500 credit limit. I’ve been using the card on a regular basis and making weekly payments instead on one monthly payment. This way I am never late and I can easily pay more than the minimum this way. I’ve received 2 increases both for $300. Yes the interest is high, but I’m starting over and it’s the price I pay until I get to where I can get a prime card. I’ve had NO problems with customer service. I’ve let them know when I have to go out of town and when I return. You’ve got less than great credit, you get a less than prime credit card until you recover your credit score.
 
Credit Score: 589 Credit Limit: 300 Age: 65+
Posted 07/04 2019
Overall Rating:
Why can I be approved for this card
 
Credit Score: 680 Credit Limit: 500 Age: 35-44
Posted 06/14 2019
Overall Rating:
I got this card a year ago when my Credit was onky 435. Using this and only one other card, I've gone up to 680. It HAS an App. Continental Finance App. You can make pmts. easily, I don't know why others are complaining. Also, I never paid $50 to start, and and it is Unsecured so, yeah. Maybe people just don't want to find out all the info. first, but it's all there when you apply. Good card to help bad Credit.
 
Credit Score: 600 Credit Limit: 500 Age: 25-34
Posted 05/19 2019
Overall Rating:
I had poor credit a few years and got a few credit cards to try and change that. I went from a 460 to 600 in about 2 years. I have read many bad reviews about this card and have had no bad experience with it. I have a $500 limit and I know it will never go up but the card has served it's purpose. Some people just can't figure out a simple website or plan ahead to pay their bills on time.
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 05/18 2019
Overall Rating:
For the love God DO NOT GET THIS CARD!!!!I filled out an application and was approved but never received the card. Now they're billing me and I can't get in touch with anyone to dispute this.
 
Credit Score: 0 Credit Limit: 0 Age: 65+
Posted 02/20 2019
Overall Rating:
Absolutely no benefit. Three Bogus charges appeared on my statement in December 2018 totaling $ 141.61. I contacted Reflex Fraud Management. They sent a new card. I then received a etter - they would investigate. In December Reflex made an adjustment to my account for one of those charges. As of 2/20/19 there has been no further communication from Reflux and the remaining two transactions are still on my account. I cancelled the Reflex card because I am unable to trust this company. I did some research on one of the bogus charges and found out the Portillos # 12 OLO has been involved in other fraudulent activities. Why hasn't Reflex located the same information?. I cancelled the card because I have no assurance this will not happen again.
 
Credit Score: 659 Credit Limit: 800 Age: 55-64
Posted 02/08 2019
Overall Rating:
Accepted this card when my husband died suddenly 3,000 miles from home. The website has a couple quirks but if you fiddle with it, ultimately everything works. I pay the monthly and annual fee immediately. I keep it at a zero balance. I've considered cancelling but I'm comforted knowing it is there.
 
Credit Score: 620 Credit Limit: 500 Age: 45-54
Posted 02/04 2019
Overall Rating:
I'm insulted to have received a pre-approval offer from this company after reading all the reviews. I've never heard of so many fees and charges up front before even being able to use the card. Maybe the card would work for individuals who really need an unsecured credit start or are in desperate need of rebuilding severely damaged credit, if all those fees weren't attached. And to make matters worse, if there is no way to make online payments, no live customer service agents to call and no means of having payments immediately applied to the account for use, the card would truly be of NO USE TO ANYONE. It sounds to me like this card is a "don't do it" waiting to happen. Be smart and "just say no"!
 
Credit Score: 600 Credit Limit: 500 Age: 25-34
Posted 01/14 2019
Overall Rating:
Its a help build credit card it works fine for me just high interest just using it for 1 year then closing it
 
Credit Score: 560 Credit Limit: 500 Age: 45-54
Posted 01/03 2019
Overall Rating:
No phone app, No Website , Looks Fake As F#%k.... Big Trap.
 
Credit Score: 0 Credit Limit: 500 Age: 55-64
Posted 10/04 2018
Overall Rating:
It is really a disgrace that I can't get into the website to pay my bill online. They make it so difficult to pay your bill but our so quick to add late fees when you were trying to pay online. It should be an easy process.
 
Credit Score: 518 Credit Limit: 500 Age: 55-64
Posted 09/12 2018
Overall Rating:
I got the card - $500 limit --- I charged $125 on it. The card keeps getting declined now. I tried unsuccessfully to make an on-line payment. What's up with this company???
 
Credit Score: 643 Credit Limit: 500 Age: 45-54
Posted 09/01 2018
Overall Rating:
My credit has been idle for the past 5 years so I decided to add a few cards and received an offer from Relex in the mail about 2 weeks after. Initial offer online stated I was pre-approved but later asked for a $50 deposit. I debated it for a week and paid the $50 security deposit , for a $500 credit line , with a $78 annual fee.
So , after receiving the card I find their Website to be antiquated and not user friendly at all . I cannot activate my card although their website says I have a $78 balance due in about 3 weeks , Nor does it give me any option to pay the balance , close my account or talk to a real person.
Tried to use my card on Ebay , it was declined multiple times and said I need to contact my card provider.

Everyone is different but looking back at the online reviews it said to AVOID this card (and their similar cards) at all cost.
I'm not sure what the problem is but I took a 3 point hit on my credit reports for their hard pull inquiry , and none of my credit reports show me opening a new account as of yet , and I applied almost 3 weeks ago.

Long rant , AVOID AT ALL COST -
 
Credit Score: 643 Credit Limit: 500 Age: 45-54
Posted 09/01 2018
Overall Rating:
My credit has been idle for the past 5 years so I decided to add a few cards and received an offer from Relex in the mail about 2 weeks after. Initial offer online stated I was pre-approved but later asked for a $50 deposit. I debated it for a week and paid the $50 security deposit , for a $500 credit line , with a $78 annual fee.
So , after receiving the card I find their Website to be antiquated and not user friendly at all . I cannot activate my card although their website says I have a $78 balance due in about 3 weeks , Nor does it give me any option to pay the balance , close my account or talk to a real person.
Tried to use my card on Ebay , it was declined multiple times and said I need to contact my card provider.

Everyone is different but looking back at the online reviews it said to AVOID this card (and their similar cards) at all cost.
I'm not sure what the problem is but I took a 3 point hit on my credit reports for their hard pull inquiry , and none of my credit reports show me opening a new account as of yet , and I applied almost 3 weeks ago.

Long rant , AVOID AT ALL COST -
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 08/11 2018
Overall Rating:
my name is Denver brown reflex is a rip off I got my card in the mail but I cannot activate it they got my phone number screwed up my card is worthless
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Posted 07/15 2018
Overall Rating:
Applied for the card and they said card was sent. Never got the card. They cancelled the card and supposedly sent another. Still waiting.
 
Credit Score: 0 Credit Limit: 0 Age: 55-64
Posted 07/14 2018
Overall Rating:
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: 600 Credit Limit: 500 Age: 65+
Posted 05/16 2018
Overall Rating:
They put a payment hold on your account for about 7 days - But when you make your payment it says your account will be credited that day - Big rip off!
 
Credit Score: 570 Credit Limit: 500 Age: 18-24
Posted 09/21 2017
Overall Rating:
I am going to use this card for 1 year. I'm trying to rebuild my credit.
 
Credit Score: 640 Credit Limit: 500 Age: 25-34
Posted 09/20 2017
Overall Rating:
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: 0 Credit Limit: 0 Age: 18-24
Posted 08/14 2017
Overall Rating:
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: 500 Age: 55-64
Posted 06/21 2017
Overall Rating:
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: 612 Credit Limit: 500 Age: 45-54
Posted 06/15 2017
Overall Rating:
$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: 540 Credit Limit: 500 Age: 25-34
Posted 04/05 2017
Overall Rating:
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: 503 Credit Limit: 500 Age: 25-34
Posted 04/01 2017
Overall Rating:
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: 554 Credit Limit: 500 Age: 35-44
Posted 03/27 2017
Overall Rating:
I applied and was asked to put a $150 deposit. Ended up not activating it.
 
Credit Score: 495 Credit Limit: 500 Age: 25-34
Posted 03/16 2017
Overall Rating:
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: 537 Credit Limit: 500 Age: 35-44
Posted 03/04 2017
Overall Rating:
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: 495 Credit Limit: 500 Age: 35-44
Posted 02/26 2017
Overall Rating:
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: 552 Credit Limit: 500 Age: 25-34
Posted 02/18 2017
Overall Rating:
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: 585 Credit Limit: 500 Age: 35-44
Posted 02/11 2017
Overall Rating:
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: 610 Credit Limit: 500 Age: 25-34
Posted 02/06 2017
Overall Rating:
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: 583 Credit Limit: 500 Age: 25-34
Posted 01/29 2017
Overall Rating:
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: 534 Credit Limit: 500 Age: 25-34
Posted 01/21 2017
Overall Rating:
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.