Administered by Continental Finance, the Celtic Bank Surge credit card is an unsecured credit card for people with little or no credit. The card comes with an annual fee and a minimum credit limit of $300. You can increase it in just six months. Since the issuer sends its monthly payments to the three major credit bureaus, the card can be a helpful tool for building credit. 
However, as there are no points or other perks, it’s not a card to keep after you make your bankroll, and you’re entitled to better deals. The Surge Credit Card is for those with bad credit or no credit. Card provider Celtic Bank assumes applicants have bad credit. However, unlike other market-oriented high-risk cards, you won’t find it a secure card with an initial deposit required on acceptance.
Pros Of Surge Credit Cards
Access to secured Cards
If you have less or no balance, you may need to start with a secure card that requires a deposit. However, you may qualify for an unsecured card with a credit limit of $300 to $1,000 if you apply for the Surge Mastercard.
Reports to the Three Biggest Credit Reporting Agencies:
There are three major credit reporting agencies (Experian, Equifax, and TransUnion) that report monthly payments to your Surge Mastercard account. Using Surge Mastercard to make all your payments on time can constantly improve your credit score.
Major credit bureaus are quick and will help you get reports from most but not all credit card issuers. Before applying, make sure a card for people with bad credit records your payment history.
Additional Card Details
Because the Surge Credit Card offers features for those with bad credit or no credit history, it doesn’t provide many benefits other than monthly credit reports for the big three credit bureaus.
You are not required to make a cash deposit as you would with a secure credit card due to an unsecured factor. This is useful when you know you can make payments on time each month, but you don’t have the fees needed to make a deposit.