You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. All this budgeting isn’t necessary with most other credit-building cards. In some cases, you may be required to provide a security deposit to qualify for a credit card. For a safer, more effective path to building credit, compare secured credit cards. Yes, but eligibility comes with responsible spending and on-time payment and is at the discretion of Continental Finance. At Finder, we value and respect our editorial independence. Keep reading to learn more about the details of … No. The Reflex Mastercard® Credit Card features an astounding number of fees for a card designed to build credit: Annual fee. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. Made for people with poor credit who want an unsecured credit card. If you lack a decent credit score or any credit score at all, the Reflex Mastercard might be the ideal choice for you. The Reflex MasterCard falls in this category, and it would be wise to look at some tips on getting a Credit Card with poor credit. Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion. I applied for the Reflex Card. How do I set up my card for cash advances? The Reflex Card is an expensive starter credit card for people with limited or no credit history, as well as those with bad credit looking to start over. We may receive payment from our affiliates for featured placement of their products or services. Thanks for getting in touch! Cards are issued by Celtic Bank and serviced by Continental Finance Company. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Additionally, your credit card may be charged a non-refundable $1 fee. An unsecured card for applicants with no credit history or a poor credit score. No. Ultimately, the high fees and the high APR make the Reflex Mastercard® Credit Card a poor choice for building credit. Hit on the register my card tab and then enter the 16 digit credit card account number. If you want to make a follow-up on the status of your Reflex Mastercard application, you need to contact the provider and inquire with them directly. But make sure to budget for setup, maintenance and annual fees. A new page will appear asking you to enter your personal details including name, mobile number, address, and others. Monthly maintenance fee. If you can afford … Thanks for getting in touch! This is an interesting card because it can be both an unsecured credit card and a secured one as well depending on whether they approve you for … You have 30 days to activate your credit card. We need your consent to our privacy policy. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. We may rely on information that is provided to us. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%. What credit score is needed for a Reflex credit card? I know this is for questions but wanted to say thank you for helping me rebuild my credit after a horrible divorce. Please note though, that in some cases additional information is needed as part of the application process, so it could take up to 30 days before they can give you a decision. All credit types welcome to apply. We strive to ensure our content is clear and honest. You’ll pay an annual fee of $75 to $99 to use the card. for your Credit Report. Generally, spending beyond your limit is discouraged on credit cards as the issuer may charge overcharge fees, decrease your limit or even close your account if you go over your limit habitually. There are multiple benefits to this card, like a credit protection program and a maintenance fee waiver for the first 12 months. Then watch your credit score rise. Founded in 2005, CFC prides itself on its corporate responsibility to customers in terms of providing three cornerstone characteristics: a strong customer support program, fair treatment, and responsible lending. You can apply online for approval in minutes. Steven Dashiell is a credit cards writer at Finder. I went from 545 to 711 in 14 months. Optional, only if you want us to follow up with you. Use your Reflex card at locations everywhere Mastercard is accepted. We keep our reviews completely factual so you can use them to make better decisions. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Some of these benefits are insurance options, mortgage options, more significant spending limits, and lower fees. Note that you can find similar credit-building cards with no annual fee at all. A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. Hope this helps and feel free to reach out to us again for further assistance. REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card. They may also increase your interest rate if your credit history shows that you regularly exceed your credit limit, and your credit score may be negatively affected. Input your current credit card balance and interest rate to calculate your potential savings. Thankfully, you can check if you prequalify for the Reflex Mastercard before you apply. We may also receive payment if you click on certain links posted on our site. CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Thanks for getting in touch. Ultimately, it would be best to contact Reflex directly to know the status of your card delivery. Continental Finance Company ("CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. The latest batch seem to be for the Reflex Credit Card (I haven’t linked to it, because I don’t want it to rank in the search engines). You’ll find Reflex worth checking out because they work with people of all credit types. The card is designed for those looking to build or rebuild their credit regardless of creditworthiness, and so approval rates are high. Please review full terms and conditions prior to applying for any credit card. Both cards, for example, come with reasonable credit limits and no required security deposit. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. The Reflex Mastercard® Credit Card used to offer a secured version, but that option was recently removed. $75 intro annual fee for the first year ($48 thereafter). There may be a pin involved so it would be best to contact Reflex for further instructions. Otherwise, you can take your card to a bank that offers advances through your card’s payment network, such as Mastercard or Visa and you’ll have to show ID. See if you're Pre-Qualified with no impact to your credit score. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Will this card allow me to go over my available credit limit. It can help you build credit, but watch out for high fees and interest. A good credit score guarantees a sound credit card, which comes with a variety of benefits. The Reflex Mastercard is a proper and purpose-made credit rebuilding credit card. To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). One of my favorite things to do is to review these cards, in the hopes that somebody will read the review before thinking about applying and end up with a vast array of much better options. Thank you so much for having this available for people who are in my shoes!! Shopping, dining, even travel are all in your future with your new Reflex credit card. Don’t hesitate to message us back if you have more questions. Applicants do need to provide information on income and residence stability prior to approval. The card is a full-service credit card that can be used anywhere that Mastercard is accepted and charges a high APR. As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. Although spending within your credit limit is encouraged since Reflex will be able to increase your credit limit (typically after 12 months) if they see you responsible in your spending. While not a guarantee of approval, being prequalified will give you some peace of mind about your odds of approval. Thank you for getting in touch with Finder. Decent credit score or any credit reparation strategy proceeding with your new Reflex credit.... Empire Pty Ltd, and promotions but watch out for high fees and interest $ 500 to $ 99 use! And Lifehacker Mastercard® credit card that has given me the opportunity to now rebuild my credit mobile,! The Privacy and Cookies Policy, finder.com terms of use and to receive my card for applicants no... 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