Do you have a bad or poor credit score and you need credit for building your score history? If yes, then the reflex credit card is hugely recommended for you. This Reflex credit card reviews, mainly designed for those who do not have a stellar credit score or less than perfect credit. Firstly, Reflex credit card appears as a card issued by the Celtic bank and managed by Continental Finance Company. Moreover, the reflex issued on the Mastercard network makes it a Mastercard and acceptable anywhere Mastercard accepted. If you are able to cope with its high annual fees that range from $75 to $99 and its APR variable that ranges from 25.90% to 29.99%, reflex Mastercard can help you build and improve your credit scores.
However, on Reflex Credit Card annual fee is likely to reduce after a year of having your account. Also, you are expected to pay a maintenance fee but luckily the fee is waived during the first year. Besides, reflex Mastercard has a mobile app that you can use to manage your account at any point in time on your mobile devices. In addition, the initial credit limit on your reflex credit card ranges from $300-$750. Cash advance APR is also the same as purchase APR and when you make a foreign transaction, you are charged 3% or $1 in U.S dollars, whichever is greater. Whenever you make a late payment or make a dishonored payment, the fee is up to $40. Despite its high fees, it really a good card for those with less than perfect or poor credit.
Benefits of reflex Mastercard
As I said earlier, the reflex credit card is mainly designed and an ideal card for those who do not have a stellar credit score. Nevertheless, reflex Mastercard credit card has several benefits which includes maintenance fee waiver for the first year and a credit protection program. To know more about the reflex Mastercard, kindly go through its benefits below;
- The first of it is that this card helps to improve your credit score.
- You can use your reflex card anywhere Mastercard is accepted.
- It has an initial credit that ranges from $300 to $750 which offers you the monetary thump you need.
- There is high tendency that you might be eligible for credit limit increase after six months.
- If offers $0 fraud liability which makes you not responsible for any unauthorized purchases made with your card. With this, you have peace of mind.
- Reflex Mastercard reports your account activity to the three major credit bureaus which are TransUnion, Experian, and Equifax.
- As a cardholder, you get a free monthly score when you register in e-statements.
- You can check if you pre-qualify which does not affect your credit score.
When you apply and get approved for this card, you stand a chance of enjoying the benefits above. Though the reflex Mastercard helps to improve your credit score and reports to the three major credit bureaus, its high fee makes it hard to justify for most credit builders.
Reflex Credit Card Application | How to Apply
To enjoy the amazing reflex credit card benefits of the reflex you need to apply for it. You make an online application which can be done in a few minutes or the application is also accepted by calling their reflex credit card customer service helpline or by returning an acceptance that you get in your mail. Hence, to apply online, you can follow the steps below;
- Launch a web browser and visit the reflex credit card continental finance company website.
- Once the page loads, scroll down a little and locate the reflex Mastercard.
- Once you’ve found it, click on the Apply now button.
- Then on the application page enter your First Name*, Middle Initial, Last Name*, Suffix, Home Address* (no P.O. boxes), Address 2, City*.
- State*, Zip Code*, Email Address*, Social Security Number*, Your Total Monthly Income*, Primary Source of Monthly income*.
- Also, enter your Primary phone number* [Mobile preferred, 10-digits], Secondary phone number, and Date of Birth*(MM/DD/YYYY).
- Then answer the questions below by click on the yes or no button.
- Click on the box that says ‘I certify that I am a U.S resident over the age of 18 (over the age of 19 in AL).
- Click on the box that also says ‘I Authorize Pre-qualification’.
- Finally, click on the link that says ‘See My Card Offers’.
Note: All starred information’s are necessary, so ensure you fill them to get approval for the reflex credit card. However, when you click on the link that says ‘See My Card Offers’, you will see all the Reflex credit cards you are likely to get. Immediately, you approved, your credit card mailed within three business days.
Reflex Credit Card Login
For those who already have the reflex Mastercard, you can manage your card online. But to do that you need to login your reflex credit card account. in this section, we’ll be showing you how you can login your account.
- Launch a web browser and visit the reflex card official website.
- At the top of the homepage, click on the green login button.
- Then enter your username and password.
- Finally, click on the LOGIN TO MY ACCOUNT link.
With these steps, you can log in to your reflex credit card account and stay at the top of your account which includes making payments, checking your balance, and many more.