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Surge MasterCard
Consumer Reviews: 27
Regular APR
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3.1
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Consumer Reviews, Credit Score and Limits
Surge MasterCard® Credit Card

Annual Fee: $120 For 1st Year, $96 from 2nd Year Onwards
Monthly Fee: None for 1st Year, $10/month from 2nd Year onwards (Total of $120 a year)
APR: 30.24%

Limit: $500 unsecured or partially secured requiring $50, $150 or $500 Deposit.

Our Take: This card has pretty high fees and this is especially so if you have to put a deposit to secure your credit limit (since most secured cards have annual fees ranging from $0 to $45 at max).
Consumer Rating:
Average Score: 590
Lowest Score: 490
Highest Score: 689
* 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

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27 CONSUMER REVIEWS
OVERALL RATING  1
Posted 07/06/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I kept receiving offers in the mail with this credit card. So after so many offers i decided to try the card out. After receiving a 500 dollar credit limit. I used the card and each and every on month to fees kept going up. And i didn't see any decrease on my bill. They keep you hostage to paying him and adding interest which is more then half of your bill. They also charge these outrages late fees. When a credit card company constantly sends you mail to get a card from them, it should be a red flag. I been having this credit card for 1 year and pays more on this bill and I'm still at the balance of 476.00 and the limit was 500.00 (SMH) on this credit card company. And that's not all if you pay more on your bill for that month it doesn't account for the next month. In saying if you pay more and late for the next month that overage that you paid don't mean a Hell of Beans to them... TOTALLY A REAP OFF.
CREDIT SCORE : 689
CREDIT LIMIT : $500
AGE : 45-54
OVERALL RATING  1
Posted 06/12/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I was just approved for the unsecured Surge MC $500.00 CL. After years of not knowing the true importance of credit I decided to get my credit on track. I was discharged from a Chapter 7 in 12/2016. Since my bankruptcy I've been approved for a CapOne Secured card CL $200, Indigo cc CL $300, Express (dept store) $750.00, I have a credit builder loan with my Credit Union $1,000 and a secured cc with my Credit Union CL $500.00. What I learned is that to keep your utilization at or under 30%. Once I receive the card. I will do an update in 6 months to comment on the cards performance. Good luck everyone!!!
CREDIT SCORE : 578
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  4
Posted 04/28/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I just applied and was approved for this card. My credit score is 589. My credit limit is $500. I was not required to pay a deposit. My card should arrive in 7-10 days.
CREDIT SCORE : 589
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  4
Posted 01/29/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
I have had this card for about 6 months. Limit is $500 and I spend at most $150 a month on the card and pay off in full every month like clockwork. I got this card in the midst of an app spree and also got credit one, quicksilver and walmart. Score was around 600. After 6 months of use of these 3 cards, my score is now 650.
CREDIT SCORE : 600
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  5
Posted 01/02/2017
CUSTOMER SERVICE : 3/5
BENEFITS : 4/5
Got the Surge card. The fees and rates are sure high. But for folks like me who have been turned downed even by Capital One for a secured card, I can only be thankful. For me, it is important to actually have a Visa or Mastercard unsecured card because I rent cars occasionally to visit my mom. And without a credit card, rental companies will simply rip you off - sometimes charging you 3X in cash what it will cost if you had a credit card.
CREDIT SCORE : 613
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 12/06/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
I got the offer in the mail. Yikes, the fees are high. But I am trying to recover my score (which bottomed out at 485). I already have a Capital One and Fingerhut and my scores are now 550. I applied for this card and got approved for $500.
CREDIT SCORE : 550
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  4
Posted 10/04/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
For those who laugh at folks that get this card, remember that Capital One, Citi and BOA turn down secured card applicants everyday. Not everyone gets approved for secured cards. So for these folks (like me), we'll gladly pay up the fees to rebuild our credit. My score was 564 when I applied and had to deposit $150. It took 10 days to clear but I have been charging $50 to $100 every month on the card. Most of the time, I pay off in full. After 8 months, my score is now 610.
CREDIT SCORE : 564
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  2
Posted 09/22/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 2/5
I got the pre-approval mail. Went to their website and applied. They said I was approved for $500. But I was asked to deposit $150. I did not provide my debit or credit card number and after that, they said I was denied.
CREDIT SCORE : 564
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  5
Posted 09/21/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I was quite ignorant when I got this card. Did not do much research. Having said that, my score did go from 570 to 650 within 9 months of using this card. But now that I know better, I would rather get a secured card like Opensky. I would only pay a $35 annual fee rather than the fees of this card - $125 annual fee first year, $96 the second year but they tag on a $10 monthly fee from the second year onwards.
CREDIT SCORE : 570
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  2
Posted 08/18/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 2/5
My payments get held up for 8 days which is really irritating. No other cards I know do this. Then if you want to pay by phone to avoid the hold, they make you pay a $10 fee!
CREDIT SCORE : 630
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 07/07/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
I got approved but needed to deposit $50. They put a hold for 10 days before I finally was shipped the card. When I pay online, the payment also gets put on hold. If you have this card, do not max out your limit.
CREDIT SCORE : 635
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  4
Posted 06/23/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
My score was 490 when I applied. I was approved for $500 but asked to deposit $500. It kind of sucked but I went ahead anyway because I had already been rejected by 2 secured cards. My deposit was put on hold for 10 days. After 2 months with the card, I did more research and applied for the Opensky secured card and was approved. Looking back now, I wished I had just applied for that because the annual fee was so much lower. After about 10 months with this card (and 8 months with Opensky), my scores improved to 590. I canceled the Surge card but kept the Opensky. I would recommend that you get a lower fee secured card before you even think about getting Surge. Having said all that, it did serve it's purpose and helped improve my score.
CREDIT SCORE : 490
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  2
Posted 04/20/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I got the pre-approved mail and decided to apply online. I thought that I was approved for $500 but it turns out I have to put a $150 deposit. I decided not to go ahead. My scores then were 612.
CREDIT SCORE : 612
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  5
Posted 03/13/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
First Premier and Capital One denied me. So I gave this card a shot. I was approved but had to deposit $150. The fees were ridiculous and the APR insane. But my goal was to rebuild my credit. So I simply charged $50 to $100 a month and paid it off every month to avoid interest charges. After 9 months, my scores went from 570 to 650. I canceled my card before the 1 year anniversary to avoid the annual fee for the second year.
CREDIT SCORE : 570
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  1
Posted 02/19/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I applied online and was approved but had to pay a deposit of $50 for a $500 credit line. Score was 535. But I re-read the terms and conditions again and decided not to give the deposit and was subsequently denied. The annual fee is ridiculous. Then there is the $10 monthly fee. I did some research and got a capital one secured instead. Fee was like $35! compared to $120 for this card. Simply Crazy!!
CREDIT SCORE : 535
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  4
Posted 01/05/2016
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
I have had the surge card for 3 months now. I have been rejected by many other cards and this one accepted me. So far, I have no problems. I pay my bill electronically and so far every thing has been smooth.
CREDIT SCORE : 610
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  1
Posted 12/11/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I got this card when my credit score was 580. The limit I got was $500. After about 9 months, my score has improved to 640. They do report on time and it is serving it's purpose. I will cancel it before the year is up to avoid the monthly fees. With my score, I should be able to get a much better card now.
CREDIT SCORE : 580
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  1
Posted 12/07/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I also got a $500 limit. The most I ever put on the card is $200. I pay off all my bills in full. I plan to close this card before the end of year 1.
CREDIT SCORE : 590
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  3
Posted 12/04/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I got pre-approved and when I applied, they said I was approved for $500, but asked to deposit a $50 check. Guess I got the partially secured card. I paid the deposit and have started using the card. My score was 587 BTW.
CREDIT SCORE : 587
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  2
Posted 11/27/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
My score was 590 when I applied. I got rejected for the unsecured version but told to cough out $150 as a deposit for the $500 credit limit. I decided against it. I think with my score, I should be able to get a better card.
CREDIT SCORE : 590
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  4
Posted 11/09/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Lots of folks appear to be made with this card. For me, it has worked out. Got this card in mid 2015. Limit was $500 like everyone else. Scores were 600, 570, 590 TU, EQ and EX respectively. Fast forward 1 year later, and my scores are 700, 670, 685. All I did was to spend $100 a month on the card (20% utilization) and pay off in full every month.
CREDIT SCORE : 590
CREDIT LIMIT : $500
AGE : 18-24
OVERALL RATING  4
Posted 11/07/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
EX score was 605. Approved for $500 but had to deposit $150.
CREDIT SCORE : 605
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  3
Posted 10/28/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
You cannot use this card at gas stations because they will place an authorization on your card with an amount that is more than the price of your gas.
CREDIT SCORE : 624
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 10/21/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
So here is my experience applying for this card. I got a "pre-approval", then proceeded to apply online. I was told I was approved for $500 limit. Then they requested a debit or credit card information for a $50 deposit that would be withdrawn from my debit card. I decided not to give the info. Next thing you know, I was declined. Looking back, it seems like what happened was that I was approved for a "partially secured" card. My scores were around 570 when I applied.
CREDIT SCORE : 570
CREDIT LIMIT : $500
AGE : 45-54
OVERALL RATING  4
Posted 10/20/2015
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I was approved for $500 but needed to put down a $50 deposit which I did. I received the card about 10 days later.
CREDIT SCORE : 617
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  5
Posted 10/09/2015
CUSTOMER SERVICE : 3/5
BENEFITS : 4/5
I have the surge credit card and would say that it has worked out for me. Score was 525 when I got approved. 18 months later, my latest scores are now in the 670 area. Since the limit is $500, I made a conscious effort to only spend $50 on the card (10% of limit) and pay off in full every month because the APR is so high.
CREDIT SCORE : 525
CREDIT LIMIT : $500
AGE : 35-44
OVERALL RATING  4
Posted 09/22/2015
CUSTOMER SERVICE : 4/5
BENEFITS : 4/5
Here's my advice if you do get this card (after some painful experience). Pay online and your payment will be on hold for 8 days. It might bother some of you. But the way around this is to use only a fraction of your limit. I charge no more than $100 a month on the card so the hold does not bother me at all. Remember, this card is solely for rebuilding your credit. Do not pay by phone or it will cost you $10 in return for less hold days.
CREDIT SCORE : 654
CREDIT LIMIT : $500
AGE : 25-34
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