- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Fast and easy application process; results in seconds
- See if you’re Pre-Qualified without impacting your credit score
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
- *See all terms in conditions on website.
- This offer is NOT available in the following states: MA, CO, WV, IL
- Some Requirements (Not limited to)
- You need to have an existing checking account
- note: Having the above does not auto approve you. The bank will still look at other factors when making a decision.
- Is there a credit check when I apply?
- The pre-qual process is a soft pull (page 1 when consumer submits an app).
- If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.
- How long does it take to make a decision about my application?
- In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.
- About Continental Finance:
- Continental Finance, one of America’s leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.
- Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!
- Who is Celtic Bank?
- Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.
Credit Level: Bad Credit
