topic Re: Surge Mastercard and Continental Finance - what a piece of s - -t company in Credit Cards

Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 21:15:43 GMT

I was recently approved for an unsecured Surge Mastercard. Came in the mail today shortly before 4 pm. I was very excited that I got it as quickly as I did. Came inside, put some laundry in the dryer and sat down to activate the card. Oh, but wait, it was after 4 pm by this time and the activation center was closed. You have got to be kidding me! Where are they, podunk? So incredibly irritated. Now I can't use the card until Monday.

Almost sorry I got it now.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 21:46:22 GMT

Congrats on approval

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

AverageJoesCredit — Sat, 14 Jul 2018 23:06:49 GMT

Uhm, need Charmin?.

Hope you get it activated and experience no problems .

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 23:11:09 GMT

@AverageJoesCredit wrote:
Uhm, need Charmin?.

Hope you get it activated and experience no problems .

Ha, ha. Thanks. The killer is had I ripped it open immediately and called I may have made it. But, I've never heard of a place that doesn't do that 24/7. If they're closed there's usually a automated way to activate. Guess Continential Finance is run out of someone's basement in the Ozarks. Totally unacceptable. But I guess it will be fine on Monday. If not, CF and I are going to tangle.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 23:15:01 GMT

@Anonymous wrote:

@AverageJoesCredit wrote:
Uhm, need Charmin?.

Hope you get it activated and experience no problems .
Ha, ha. Thanks. The killer is had I ripped it open immediately and called I may have made it. But, I've never heard of a place that doesn't do that 24/7. If they're closed there's usually a automated way to activate. Guess Continential Finance is run out of someone's basement in the Ozarks. Totally unacceptable. But I guess it will be fine on Monday. If not, CF and I are going to tangle.

I feel your annoyance. When I got my Synchrony PayPal MC on Monday, I went at once to activate it online only to discover, whoopsie, Synchrony hadn't provided a link to activate the card on my account page even though they'd sent me an email earlier that afternoon explaining where to find the link and how to do it. I had to go to online chat to get it done, which fortunately took only a few minutes and some simple verification.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

wasCB14 — Sat, 14 Jul 2018 23:18:56 GMT

@Anonymous wrote:

@AverageJoesCredit wrote:
Uhm, need Charmin?.

Hope you get it activated and experience no problems .
Ha, ha. Thanks. The killer is had I ripped it open immediately and called I may have made it. But, I've never heard of a place that doesn't do that 24/7. If they're closed there's usually a automated way to activate. Guess Continential Finance is run out of someone's basement in the Ozarks. Totally unacceptable. But I guess it will be fine on Monday. If not, CF and I are going to tangle.

I don't see that they have much incentive to give good service.

Their customer base consists of people who don't have better options, aren't aware of them, or think they need to keep the card for credit history purposes.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 23:47:54 GMT

@Anonymous wrote:
@Anonymous wrote:

@AverageJoesCredit wrote:
Uhm, need Charmin?.

Hope you get it activated and experience no problems .
Ha, ha. Thanks. The killer is had I ripped it open immediately and called I may have made it. But, I've never heard of a place that doesn't do that 24/7. If they're closed there's usually a automated way to activate. Guess Continential Finance is run out of someone's basement in the Ozarks. Totally unacceptable. But I guess it will be fine on Monday. If not, CF and I are going to tangle.
I feel your annoyance. When I got my Synchrony PayPal MC on Monday, I went at once to activate it online only to discover, whoopsie, Synchrony hadn't provided a link to activate the card on my account page even though they'd sent me an email earlier that afternoon explaining where to find the link and how to do it. I had to go to online chat to get it done, which fortunately took only a few minutes and some simple verification.

Wish they had online chat option, but they don't. Which really isn't surprising. LOL

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 23:49:55 GMT

@wasCB14 wrote:
@Anonymous wrote:

@AverageJoesCredit wrote:
Uhm, need Charmin?.

Hope you get it activated and experience no problems .
Ha, ha. Thanks. The killer is had I ripped it open immediately and called I may have made it. But, I've never heard of a place that doesn't do that 24/7. If they're closed there's usually a automated way to activate. Guess Continential Finance is run out of someone's basement in the Ozarks. Totally unacceptable. But I guess it will be fine on Monday. If not, CF and I are going to tangle.
I don't see that they have much incentive to give good service.

Their customer base consists of people who don't have better options, aren't aware of them, or think they need to keep the card for credit history purposes.

Exactly. I may have to just use this card for little stuff - pay it off, and just keep it around for a year or so until I can maybe get something better.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

wasCB14 — Sat, 14 Jul 2018 23:53:16 GMT

Is there some credit union OP can join for a no-credit-check or guaranteed approval, secured, low/no fee card?

I think SDFCU used to have one, but I don't know if they still offer it on a guaranteed approval basis...or if it was even ever really a guaranted approval.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sat, 14 Jul 2018 23:53:22 GMT

@Anonymous wrote:
I was recently approved for an unsecured Surge Mastercard. Came in the mail today shortly before 4 pm. I was very excited that I got it as quickly as I did. Came inside, put some laundry in the dryer and sat down to activate the card. Oh, but wait, it was after 4 pm by this time and the activation center was closed. You have got to be kidding me! Where are they, podunk? So incredibly irritated. Now I can't use the card until Monday.

Almost sorry I got it now.

That sucks, OP. This goes to show how behind the times some subprime lenders are.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sun, 15 Jul 2018 00:00:52 GMT

@Anonymous wrote:
That sucks, OP. This goes to show how behind the times some subprime lenders are.

Well, as wasCB14 says, they have no incentive. Why spend money on 24 hour call centers or auto-activation when most of the target base won't complain. Not much point in expecting more.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sun, 15 Jul 2018 00:09:41 GMT

@wasCB14 wrote:
Is there some credit union OP can join for a no-credit-check or guaranteed approval, secured, low/no fee card?

I think SDFCU used to have one, but I don't know if they still offer it on a guaranteed approval basis...or if it was even ever really a guaranted approval.

Thanks CB but I already have a VS, Loft, Total Visa and First Access. VS just raised my limit not to long ago to from $350 to $600 also. I just wanted to get another card with $500 limit. I also think that the Cap One MC that I'm paying off will eventually re-open the card. Sometimes they do that.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

wasCB14 — Sun, 15 Jul 2018 00:18:01 GMT

@Anonymous wrote:
@wasCB14 wrote:
Is there some credit union OP can join for a no-credit-check or guaranteed approval, secured, low/no fee card?

I think SDFCU used to have one, but I don't know if they still offer it on a guaranteed approval basis...or if it was even ever really a guaranted approval.
Thanks CB but I already have a VS, Loft, Total Visa and First Access. VS just raised my limit not to long ago to from $350 to $600 also. I just wanted to get another card with $500 limit. I also think that the Cap One MC that I'm paying off will eventually re-open the card. Sometimes they do that.

Paying $125 for the first year, and $216 a year after that, seems a pretty expensive way to get a $500 CL.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sun, 15 Jul 2018 00:25:39 GMT

@wasCB14 wrote:
@Anonymous wrote:
@wasCB14 wrote:
Is there some credit union OP can join for a no-credit-check or guaranteed approval, secured, low/no fee card?

I think SDFCU used to have one, but I don't know if they still offer it on a guaranteed approval basis...or if it was even ever really a guaranted approval.
Thanks CB but I already have a VS, Loft, Total Visa and First Access. VS just raised my limit not to long ago to from $350 to $600 also. I just wanted to get another card with $500 limit. I also think that the Cap One MC that I'm paying off will eventually re-open the card. Sometimes they do that.
Paying $125 for the first year, and $216 a year after that, seems a pretty expensive way to get a $500 CL.

I don't know anything about paying $216 next year, but perhaps I'll close it after the first year if that is the case.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sun, 15 Jul 2018 00:47:05 GMT

@Anonymous wrote:
@Anonymous wrote:
That sucks, OP. This goes to show how behind the times some subprime lenders are.
Well, as wasCB14 says, they have no incentive. Why spend money on 24 hour call centers or auto-activation when most of the target base won't complain. Not much point in expecting more.

I see your point.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

Anonymous — Sun, 15 Jul 2018 00:53:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
That sucks, OP. This goes to show how behind the times some subprime lenders are.
Well, as wasCB14 says, they have no incentive. Why spend money on 24 hour call centers or auto-activation when most of the target base won't complain. Not much point in expecting more.
I see your point.

Maybe they will when people start closing the card after one year. LOL As it stands now, that is my plan going forward.

Have a good Saturday night everyone.

Re: Surge Mastercard and Continental Finance - what a piece of s - -t company

wasCB14 — Sun, 15 Jul 2018 01:05:13 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
That sucks, OP. This goes to show how behind the times some subprime lenders are.
Well, as wasCB14 says, they have no incentive. Why spend money on 24 hour call centers or auto-activation when most of the target base won't complain. Not much point in expecting more.
I see your point.
Maybe they will when people start closing the card after one year. LOL As it stands now, that is my plan going forward.

Have a good Saturday night everyone.

What do they care? They got your $125 and they'll get their next $125 somewhere else.

It's an awful card that most people won't keep once they have better options, and the issuer knows this. So why not squeeze customers for everything they can up front?