The Reflex Mastercard credit card is given by Celtic bank. It is managed by continental finance company. This credit card offers consumers with a less than perfect financial history, they have an option to rebuild credit and improve credit scores. This credit card will help you build credit if you can deal with the many fees and high-interest rates. This credit card reports monthly to the three major credit bureaus, it offers a good credit score and may give a credit limit increase after six months of usage. You can simply apply for this card if you received an invitation in your mail, but an invitation isn’t required to apply. Your payment history with this credit card is reported to all three major credit bureaus, however, if you make consistent payments, you may be able to improve your credit score. The reflex credit card can be secured or unsecured, this depends on your credit history. You may be approved for an unsecured card or for a secured card with either a $50 to $500 deposit. Initial credit limit is $500.
How the Card Works
This credit card has a variable APR of 29.99%, this is based on the prime rate. It offers an annual fee of $120 for the first year and then $96 annually after the first year. It charges a late payment fee of up to $38 if your payment is made after the due date. You will be charged $10 per month for monthly maintenance and $30 for any authorized users you add. It doesn’t have any intro APR. It has a foreign transaction fee of 3% for each transaction you make. This credit card has a mobile app that can be used to manage your account at any point in time. The initial credit limit is from $300-$750. Cash advance APR is the same as purchase APR and when you make foreign transactions.
Benefits
The reflex credit card has so many benefits, some of them include;
- It gives you the opportunity to improve your credit score
- You get a free monthly score when you register
- It is highly secured, it offers zero-dollar fraud liability
- You will be eligible for credit limit increase after six months
- Your card can be used wherever a MasterCard is accepted
- Your payment history is reported to three major credit bureaus.
How to Apply
You can apply for this credit card with or without an invitation. To apply with an invitation, follow the steps below;
- Visit www.yourreflexcard.com
- Go down and fill in your reservation number and your social security number
- Tap on ‘confirm reservation ‘ and follow the screen instructions to complete your application process.
To apply without an invitation, follow the steps below;
- Visit the reflex credit card website
- Scroll down and tap on the green button saying ‘no reservation’
- Fill in your first name, last name, home address, email address, and phone number
- Fill in your contact information
- Select whether you have an active checking account or not
- Tick the box whether you are a US resident over the age of 18
- Then click on the green ‘continue your application ‘ and follow the screen instructions to finish your online application.
- When the next page loads, click on the box that says ‘yes I understand I will receive special email offers from infusion strategies and their partners. I know I can unsubscribe at any time by clicking the unsubscribe link in the email and I agree to the infusion strategies marketers privacy policy ‘
- Lastly, click on the link that says ‘see my card offers ‘.
- After the last step, several reflex credit cards you are likely to get will be displayed.
To have access to your account, follow the instructions below;
- Visit the reflex credit card website
- Tap on the green login button in green font
- Fill in your username and your password
- Then tap on ‘login to my account.
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