topic Re: What is Surge Mastercard? in Credit Card Applications

What is Surge Mastercard?

Anonymous — Wed, 22 Jul 2020 00:18:20 GMT

I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?

Re: What is Surge Mastercard?

CYBERSAM — Wed, 22 Jul 2020 00:44:35 GMT

Surge Mastercard®

ONE-TIME FEES ANNUAL FEE MONTHLY FEE

$75 - $99

None 1st yr, up to $10 after

REGULAR RATE GRACE PERIOD

25.9% - 29.99% (V)

25 days

😱😱😱

Predatory lending anyone!

Re: What is Surge Mastercard?

Anonymous — Wed, 22 Jul 2020 00:44:40 GMT

@Anonymous wrote:
I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?

Surge is issued by Celtic Bank - fee harvester, monthly fees starting in year 2, max credit limit 750.

If you can avoid it, avoid it.

Re: What is Surge Mastercard?

M_Smart007 — Wed, 22 Jul 2020 01:12:10 GMT

@Anonymous wrote:
I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?

"It could be a prime card like Chase Sapphire "

I have my doubts.

Re: What is Surge Mastercard?

AllZero — Wed, 22 Jul 2020 01:20:43 GMT

@M_Smart007 wrote:
@Anonymous wrote:
I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?
"It could be a prime card like Chase Sapphire "

I have my doubts.

I see zero mention of rewards on their home page.

https://www.surgecardinfo.com

Re: What is Surge Mastercard?

Ficoproblems247 — Wed, 22 Jul 2020 12:40:44 GMT

With your scores I cannot believe they had the audacity to send you a "targeted" advertisement...

Re: What is Surge Mastercard?

Anonymous — Wed, 22 Jul 2020 12:48:18 GMT

@Ficoproblems247 wrote:
With your scores I cannot believe they had the audacity to send you a "targeted" advertisement...

Neither can I, that's what took me back and I asked. Suspecting some kind of fraud, I didn't even want to click on any link they had in that email. I am a Senior Citizen and I get scam email daily, but they are usually easy to spot because they are usually claiming that an account I don't have at some bank I don't do business with has been hacked or otherwise compromised. I may be old but I'm not stupid yet.

Re: What is Surge Mastercard?

BmoreBull — Wed, 22 Jul 2020 13:21:20 GMT

@Anonymous wrote:
@Ficoproblems247 wrote:
With your scores I cannot believe they had the audacity to send you a "targeted" advertisement...
Neither can I, that's what took me back and I asked. Suspecting some kind of fraud, I didn't even want to click on any link they had in that email. I am a Senior Citizen and I get scam email daily, but they are usually easy to spot because they are usually claiming that an account I don't have at some bank I don't do business with has been hacked or otherwise compromised. I may be old but I'm not stupid yet.

Richard Pryor used to say, you don't get to be old by being a fool. 😂😂😂

Re: What is Surge Mastercard?

coreyb80 — Wed, 22 Jul 2020 16:02:13 GMT

@Anonymous wrote:
@Anonymous wrote:
I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?
Surge is issued by Celtic Bank - fee harvester, monthly fees starting in year 2, max credit limit 750.

If you can avoid it, avoid it.

I agree about the fee harvester part whole heartedly, but the max CL is more than $925. I'm currently sitting at $925 and I just hit the 2 year mark with this card. Waiting to see if they offer me another CLI soon. If you can avoid this card, definitely toss this offer and any offer you receive for this card. I'm in 13 so I've needed it to rebuild, but it's kept in my sock drawer most definitely. Hope this info helps.

Re: What is Surge Mastercard?

Anonymous — Wed, 22 Jul 2020 23:10:52 GMT

I received a pre-approval on Credit karma or a similar site. Predatory card for sure. They might have got your name from some old mailing list when your scores were lower. Surge definitely refers to the fees as in your fees will SURGE...

I will see myself out.

Re: What is Surge Mastercard?

joltdude — Fri, 24 Jul 2020 15:36:48 GMT

Hard pass right to the paper shredder....

You do not need or want this kind of card.....

-J

Re: What is Surge Mastercard?

M_Smart007 — Fri, 24 Jul 2020 16:01:25 GMT

@joltdude wrote:
Hard pass right to the paper shredder....
You do not need or want this kind of card.....
-J

Re: What is Surge Mastercard?

OmarGB9 — Sun, 26 Jul 2020 04:47:54 GMT

Vulture suprime fee-harvest card. Sadly I get those offers pretty regularly being that I'm currently rebuilding.

Re: What is Surge Mastercard?

Anonymous — Mon, 29 Mar 2021 03:02:23 GMT

I have this card had it for about 6 mos or so sl was 750 no annual or starting fee for me and just recieved a cli on it about a week and a half ago for 300 bringing my limit to 1050 my scores were low then but i have no problem with them or this card

Re: What is Surge Mastercard?

designated_knitter — Tue, 30 Mar 2021 02:49:02 GMT

Surge is the devil -- worse than Credit1. I think they even have something (or at least when I had the card about 5 years ago) that if you closed your account, you actually had to send the physical card back or you would get charged a fee. I mean WHY? Not like they were going to be able to reuse it! It's not a propane tank!

Re: What is Surge Mastercard?

sjt — Wed, 07 Apr 2021 18:23:28 GMT

@Anonymous wrote:
I got a solicitation from them today and I can't figure out what kind of cared it is. It could be a prime card like Chase Sapphire or it could be a fee harvester card which is a waste of otherwise good plastic. Does anyone know?

Very much a sub prime card. Stay away!

Re: What is Surge Mastercard?

Duriel — Wed, 07 Apr 2021 19:05:57 GMT

I wouldn't. It has fees and no upsides. I skipped the trash cards in my rebuild. 8 months ago I had no cards. Now I have a solid lineup.

Except quicksilver one. That was a mistake. If they won't convert it to a normal quicksilver before the next annual fee, I'm going to close it.