There is virtually no limit the number of credit cards that you can apply for these days, both online and through the mail. In fact, there are so many credit cards available that is often difficult to differentiate between the ones you should apply for and the ones that are better left alone. If you’re trying to wade through all of the muck when it comes to making a decision so you can pick the best card or cards for your particular situation, it helps to have some guidance. In many cases, the Surge MasterCard is one of the better cards for people, even when you’re just starting out or you’re rebuilding your credit. The truth is, there are several benefits to having a surge credit card and 10 of them are listed below. After you’re finished reading through the list, you just might be tempted to apply for one yourself.
1. You don’t have to have great credit to apply
So many people refrain from applying for a credit card because they’ve had credit issues in the past. This can actually cause you to have a poor credit rating for much longer, as you’re not actively doing anything to rebuild it. The key is to find a credit card that doesn’t require you to have near-perfect credit. That makes this one an excellent option for people that don’t have a lot of credit history to begin with or that have had some serious credit problems in the past and are in the rebuilding process.
2. It’s a great way to build or rebuild your credit
If you’re building or rebuilding your credit, you want a card that’s going to be fairly user-friendly. The last thing you need is ridiculous annual percentage rates, membership fees, and all kinds of additional fees attached to the account for every little mistake you make. This particular card is one of the more user-friendly options out there, making it a good choice for anyone that’s trying to get started with their credit or trying to start over.
3. The application process is an easy one
It only takes a few minutes to apply and you can do it all online, so you don’t have to send off a bunch of forms with your personal information on them and then wait for weeks in order to find out whether or not you’ve been approved.
4. They send monthly reports to all three credit bureaus
Obviously, you want credit for all of your hard work and this card gives you that by reporting to all three major credit bureaus on a monthly basis. If you’re trying to rebuild your credit rating, making on-time payments with a card that does this is an excellent way to get the job done.
5. You get an answer online, when you apply
Nothing is more frustrating than applying for a credit card, only to be told that you’ll have to wait for the answer in the mail. You don’t have to worry about that here. You get an answer when you apply online in a matter of seconds. All you have to do is fill out the easy application, click on the submit button, and wait a few seconds in order to know whether or not you’ve been approved.
6. You can use the card almost anywhere
Since the Surge card is a MasterCard, there’s virtually no place you can’t use it. This makes it one of the most versatile cards available and gives you maximum flexibility when it comes to your decisions about spending.
7. You have online access to your account, anytime
Anytime you want to check on your account in order to see its status or even to request a credit line extension, all you need to do is go online. It makes it easy to manage your account because you can check it daily and see everything about your account right there in front of you.
8. Pay your bill online
Of course, you can also pay your bill online. This provides the maximum level of convenience Because you don’t have to worry about writing a check or sending a money order through the mail, nor do you have to worry about sending your payment at least a week before it’s due in order to make sure it gets there on time.
9. You can start with an initial credit limit of $500
Most credit cards start people out at a lower credit limit, especially if you have little or no credit history or you’ve had problems in the past. A card that starts you out at a minimum of $500 is definitely one worth taking a look at.
10. Depending on your credit rating, it might be as high as $750
If you’ve shown some forward progress with your credit in recent months, you might even be granted a credit limit up to $750. This is almost twice the limit of most credit cards that are fairly easy to get when you have credit issues, so it can potentially give you the same amount of credit that you would get from two other cards without having to pay all the extra fees.