Surge Mastercard Credit Card FAQs


As a Surge Credit Cardholder, you may have questions about various aspects of your card, including activation, online account management, application process, payments, and customer service. In this article, we have compiled a list of frequently asked questions (FAQs) along with their answers to provide you with the information you need. Let’s dive into the most common queries surrounding the Surge Mastercard Credit Card.

Who is the issuer and servicer of the Surge Credit Card?

The Surge Credit Card is issued by Celtic Bank and serviced by Continental Finance Company. They work together to provide cardholders with the best possible support and service.


Does the Surge Credit Card offer a rewards program?

Yes, the Surge Credit Card offers 1% cashback rewards.  It also provides cardholders with benefits such as the opportunity to rebuild credit, an initial credit limit of $300-1000, the chance to double the card limit with 6 months of on-time payments, Mastercard zero liability


How do I activate my Surge Credit Card?

To activate your Surge Credit Card, visit the activation website Click on the “Activate My Card” button and provide the last 4 digits of your credit card, the last 4 digits of your social security number, and your zip code. Click “Activate My Card” to complete the activation process.

How do I register for an online account and log in?

To register for an online account, visit and click on the “Register” button. Enter the last 4 digits of your card, the last 4 digits of your social security number, and your zip code. Proceed to create a username and password to complete the registration. To log in visit and click on the “Login” button. Enter your username and password to access your account.

How do I apply for a Surge Credit Card?

To apply for a Surge Credit Card, visit the application website If you have a reservation number, enter it along with your social security number to proceed with the application. If you don’t have a reservation number, click on the “See If You Pre-Qualify” link and fill out the short pre-qualification form to check your eligibility. Follow the instructions to complete the application process.

How can I make payments on my Surge Credit Card?

You can make payments on your Surge Credit Card through various methods. To make an online payment, log in to your online account at, navigate to the payment section, and follow the instructions to make a one-time payment or set up recurring autopay. Alternatively, you can make payments by phone by calling 1-800-518-6142 and following the automated prompts. For payments by mail, send your payment to Surge Card, P.O. Box 6812, Carol Stream, IL 60197-6812.

What are the benefits of setting up autopay?

Setting up autopay for your Surge Credit Card offers several benefits. It provides convenience by automatically making your payments on time, ensuring you never miss a due date. Autopay helps you avoid late fees and maintain a positive payment history, which can improve your credit score over time.

How can I contact Surge Credit Card customer service?

You can contact Surge Credit Card customer service through multiple channels. For general inquiries, call 1-866-449-4514. To reach customer service through your online account, log in to your account and navigate to the support or contact section. For mail inquiries, address your correspondence to Surge Card, P.O. Box 3220, Buffalo, NY 14240-3220.

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