Reflex MasterCard Credit Card

Picture of Reflex MasterCard
19 Reviews
Consumer Rating:


Apply Here 2
Lowest:
0
Average Score:
443
Highest:
640
All
5 Star
0%
4 Star
0%
3 Star
42%
2 Star
15%
1 Star
42%
 
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.