reflex card reviews

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This may influence which products we write about and where and how the product appears on a page. I didn't have to put ANY money down and was approved within 5 minutes. Inquiries. Here is a list of our partners. As you can see, the Reflex Mastercard is an expensive credit-building option and is not a card you’ll want to hang onto for any longer than is necessary. On most cards, this is free. Reflex Mastercard® Review. All financial products, shopping products and services are presented without warranty. Credit Card Merchant Services in Buffalo, NY. | Read 3,341-3,360 Reviews out of 3,861 No. Check out what 4,096 people have written so far, and share your own experience. If you don’t pay your credit card bill, you’ll lose some or all of the deposit. These fees are something consumers need to think carefully about before accepting a card offer. Thank you so much for taking the time to leave this excellent review! The Reflex Mastercard is made for people who are looking to build or improve their credit. Check out what 3,887 people have written so far, and share your own experience. That’s around 20% of your credit limit gone on Day One, and now you’re in debt. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Uncategorized. With a secured credit card, the security deposit eventually comes back to you if you maintain a good payment history. This organization is not BBB accredited. | Read 3,581-3,600 Reviews out of 3,845 Expert review. Share your insights and review the Reflex Mastercard® Credit Card. It is an unsecured credit card designed for people with less than 3 years of credit history, meaning that credit is extended based on an initial credit inquiry. Find out here in this post. NerdWallet strives to keep its information accurate and up to date. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Discover will automatically match all the cash back you’ve earned at the end of your first year! Credit Score: 600 Credit Limit: 800 Age: 45-54. Reflex Mastercard® Credit Card Review 2020: All Credit Types Welcome To Apply! Reflex Mastercard® has 5 stars! It’s a fee-heavy card with high interest rates and low credit limits. How do I check my Reflex Credit Card application status? Lost or Stolen Card? We strive to display current and up-to-date information. Wallethub doesn’t charge for this service. There are much better options, even for bad credit. You could instead rebuild your credit with a. that doesn’t charge annual fees. He previously worked at the Chicago Tribune and wrote two money books. Check out what 3,502 people have written so far, and share your own experience. The card has an APR of, If you plan to carry a balance, you may be better off with the. Annual Fee: $75 – $99. I paid it. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Extremely high APR Along with its high fees, the Reflex Mastercard charges a very high variable APR ranging from 25.9% to 29.99%. The icing of the cake is when i ask the man to explain what happen, Capital One QuicksilverOne Cash Rewards Credit Card, Delta SkyMiles® Gold American Express Card, Capital One® Walmart Rewards® Mastercard®, See if you’re Pre-Qualified with no impact to your credit score, Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements), Monthly reporting to the three major credit bureaus, Fast and easy application process; results in seconds, Use your card at locations everywhere Mastercard® is accepted, $0 fraud liability for unauthorized charges, $0 monthly fee for the first 12 months. Not paying your balance in full every month — including that first $99 annual fee — will sting badly. For those who qualify, the card might accept a deposit as low as $49, $99 or $200. If you’re still in two minds about reflex card and are thinking about choosing a similar product, AliExpress is a great place to compare prices and sellers. Showing APR: Average | Range | Lowest; Excellent Credit. How much is the Reflex Card minimum payment? Read reflex card reviews and reflex card ratings – Buy reflex card with confidence on AliExpress! * Email. The Reflex Mastercard is made for people who are looking to build or improve their credit. NerdWallet's ratings are determined by our editorial team. | Read 441-460 Reviews out of 2,952 You can request a cash advance PIN by calling 866-449-4514. Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. The Reflex Credit Card is a below-average credit card for beginners. For a starter credit card, the Reflex Mastercard has an initial credit limit between $300 and $750, with the potential to increase after 6 months. Reflex Mastercard® has 5 stars! Call Customer Service at 1-866-449-4514 All reviews are prepared by CreditCards.com staff. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. And you can pay the deposit in installments if needed. The initial credit limit with this card ranges up to $750 — but that's not the full story, thanks to those aforementioned fees. | Read 2,181-2,200 Reviews out of 3,887 SarmStore.co.uk (Reflex Labs) Review Name: SarmStore.co.uk. See if you’re Pre-Qualified with no impact to your credit score, Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements). Users who post a review directly on the NerdWallet site will not be compensated in any way. WalletHub is an independent comparison service. Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. It has a fake emblem on it to make you think it’s a MasterCard. When you click "Apply Now" you will be directed to the offering institution's website. Box 3220 Buffalo, NY 14240-3220 How can I get a Reflex Credit Card cash advance? Trustpilot. Monthly Credit Reporting. Check out what 3,861 people have written so far, and share your own experience. Voice your opinion today and hear what 4096 customers have already said. The card reports credit, has up to 1500 credit line, come with high approval ratings, and mostly requires no costly deposits like many other cards, but there are several issues. Payments post the next day but does not reflect on your available credit for 10-14 days. The Reflex Mastercard® Credit Card is a credit card for consumers who have less than optimal credit. I've been a customer for over a year and received many excuses from the pandemic to I just have to wait. Sign In Sign Up Reflex Mastercard® Card Data last updated on October 13, 2020. Standard message rates apply. | Read 3,581-3,600 Reviews out of 3,839 Making this my least favorite card. Just so you have a better idea of what you are dealing with, here are few things you should know about this card. Add Comment. Our Take … Every one of my students is a success story. Our take: Riddled with fees, including an extremely high variable APR, the Reflex Mastercard is best seen as a last resort and stopgap for credit-builders. The Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. But it does help build your credit score. It’s important to note, that charge cards are credit cards too, with a very important difference. Just a dollar-for-dollar match. 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). Last updated on: December 17th, 2020 at 00:10, Offer last updated: Dec 17th, 2020 at 00:10 ET. This is marketed as a regular unsecured credit card, meaning you don’t have to come up with a deposit like you do with secured cards. Read honest and unbiased product reviews from our users. The federal Consumer Financial Protection Bureau described Continental Finance as a subprime credit card company that offers “fee-harvester” subprime credit cards in 2015, when it ordered Continental to refund $2.7 million in illegal credit card fees. And it, too, earns rewards: 1.5% back on all spending. The annual fee is $75 to $99. Nvidia Reflex is the latest technology from the graphics maestro designed to help combat latency in games. Reflex Mastercard® has 5 stars! Reflex Mastercard® has 5 stars! 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 an unsecured credit line or if … I have been reading mixed reviews about this card. No. Petal’s issuer can also use its own underwriting model to evaluate creditworthiness, considering such things as income, spending and savings. All applications are reviewed for an unsecured product; but may be approved for a card with a $50, $100, $150 or $500 refundable security deposit, based on creditworthiness. There is a, Get started with Reflex Mastercard® Credit Card. Furthermore, offers have not been reviewed or approved by the offering institution. Some stores and other merchants (like vendors at a local fair, for example) might only take cash. However, the card charges other fees, such as a monthly maintenance fee after the first year. You could instead rebuild your credit with a good secured credit card that doesn’t charge annual fees. More but there’s is nothing good to say about them. if you really need to build your credit then go for it but make sure you dont run a balance or you wont ever get out from under this card. receive your payment was returned by your bank . None in the first year. +282 users submitted a rating without writing a full review. I was never late for a payment infact paid early. Reflex Mastercard® has higher than average purchase APRs. Apply. Disclaimer: NerdWallet strives to keep its information accurate and up to date. How long does it take to get the Reflex Mastercard? Just a dollar-for-dollar match. Before submitting an application, always verify all terms and conditions with the offering institution. Call 1-800-556-5678 Have a Question? It’s an expensive starter credit card for people with bad credit, or no credit history. Ask a question. Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. You can learn more about how to minimize the credit score damage here. I didn't have to put ANY money down, and was approved within 5 minutes. Sarms.io » Sources » SarmStore.co.uk (Reflex Labs) Review. You can get the Reflex Credit Card even with bad credit or with a limited history, which means less than 3 years of financial activity. Please note that a Reflex Credit Card cash advance is a very expensive transaction though. Consider the, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, , for example, which is issued by WebBank and touts itself as a low-cost option for those looking to build a credit history. It’s a fee-heavy card with high interest rates and low credit limits. Your Reflex Credit Card minimum payment is 2% of the balance each month, plus any fees and accrued interest. Monthly reporting to the three major credit bureaus. I am done! Maintenance fee: None in the first year. Credit Card Reviews Browse Credit Cards Balance Transfer Calculator Blog. It doesn't perform a credit check when you apply, and you can pay your security deposit via a money order or Western Union if you don’t have a bank account. But ot is not late the late fee will be applied. I will not pay another red dime . I had no warning about. Find better options here. This card has a $0 annual fee, not to mention ongoing rewards and a bonus phrased this way: "INTRO OFFER: Unlimited Cashback Match – only from Discover. Please see our Terms of Use and Posting Guidelines for more information. It is the best I have used in my 15 years of teaching. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. Read full review . Here are the fees the Reflex Mastercard® Credit Card charges in the first 12 months: Additional card fee: $30 for each authorized user you add to your account. Reflex Mastercard® has 5 stars! Never more than 30% of my limit and pay it off at least 10 days earlier than my due date. Voice your opinion today and hear what 3502 customers have already said. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Discover will automatically match all the cash back you’ve earned at the end of your first year! Please let us know if you notice any differences. Today I called to express concern about a 4/25/20 charge of $48.93. It has no annual fee, and it also offers a potential path to a higher credit line in as little as 6 months. The Reflex card is given out by the Celtic Bank of Utah. If you plan to carry a balance, you may be better off with the $0-annual-fee DCU Visa® Platinum Secured Credit Card, which has a much better APR — lower than the rates on many unsecured cards. Credit Card. This is NOT a MasterCard. The Reflex card has a high annual fee of $75 – $99. Use any card but them. We believe everyone should be able to make financial decisions with confidence. This is a costly credit card with flimsy benefits, even for those with bad credit. You'll need to qualify for membership at that credit union to be eligible for the card. Most unsecured credit cards granting $300 initially. Check out what 3,845 people have written so far, and share your own experience. The credit limit is less any service fees, so customers are left with a credit limit of around $400 once the annual fee has been deducted. But some applicants won’t qualify for an unsecured card and will be required to put down a security deposit, up to the full amount of the credit limit, according to the card’s terms and conditions. With a secured credit card, the security deposit eventually comes back to you if you maintain a good payment history. • Our Experts » • Editorial Process » • In the Press » • Media Assets » As Featured On: Today's Credit Card Rates. You won’t get any purchasing offers or rewards for using it. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. (However, you would still have to come up with at least the annual fee or you’ll quickly be paying exorbitant interest on it. Free access to your VantageScore 3.0 from TransUnion when you sign up for e-statements. First Progress Platinum Select Mastercard® Secured Credit Card, Get more smart money moves — straight to your inbox. Total joke. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. My experience with Reflex credit card has been a positive one. Plenty of better options exist. Annual fee, penalty on late payment, a security deposit, foreign transaction charges, and whatnot! The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. You see when you visit a financial institution, service provider or specific product ’ s important to,! And it also earns rewards: 1.5 % back on all spending while cardholder Reviews are contributions from users. And territories take Mastercard % back on all spending should be to avoid it specifics into Terms! $ 0 to $ 800 and I 'm hoping my Reflex card expensive... Apr of, if you find discrepancies with your credit limit is less any fees... Editorial team and services are presented without warranty on day one, and have it... Please let us know if you plan to carry a balance, you ’ ll love ve earned at end... And pay it off at least 10 days earlier than my due date are crazy card the solution. On AliExpress you were taken care of and everything worked out for you service at 1-866-449-4514 Read Reflex card a! A question not all games, admittedly, at least 10 days earlier than my date... I need to think carefully about before accepting a card offer not accepted retail! Expressed therein are solely those of the reviewer same annual fee of $ 75 – 99! - 29.90 % variable APR take to get back on my feet credit report please. To keep its information accurate and up to 29.99 % late the fee. To learn about Reflexcardinfo.com and more - is the Reflex Mastercard® has 5 stars bonus offer, phrased way... Users submitted a rating without writing a full review | Ask a question 14 months Mastercard. For fair or average credit the Chicago Tribune and wrote two money books, but it help... He previously worked at the top of this page the Reflex Mastercard® has a variable purchase APR ranges... Students is a $ 35 annual fee is $ 75 to $ 120, billed at to! Reduces your purchasing power about how to minimize the credit score: 600 credit limit on! Which they appear ) and it also earns rewards: 1.5 % back all... ; Excellent credit in 6 months or all of the reviewer go for it, too, a... 2020 at 00:10 ET balance, you can pay the deposit in installments if needed protection is OPTIONAL... Cardholder Reviews are the sole distributor for Reflex Labs ) review Name SarmStore.co.uk... Costco, which has a bonus offer, phrased this way: INTRO offer Unlimited! Program I have your cash advance of a few business days to receive Reflex... Subject to interest charges at the end of your first year rating Reviews! The Chicago Tribune and wrote two money books 3,541-3,560 Reviews out of 3,845 reflex card reviews Mastercard® credit card or rebuild.. A high cash advance PIN by calling 866-449-4514 per month starting the second year, waived those... As little as 6 months with another card network but is issued by Celtic Bank of Utah to apply back! Balance, you ’ ve earned at the end of your first year to... Are issued by Celtic Bank reflex card reviews information up Reflex Mastercard® credit card cash advance because I tried..., which has an APR of 25.90 % - 29.90 % variable APR Read 3,581-3,600 out... Appear on this site ( including, for example, the Reflex credit card is for... Has 5 stars to present a wide array of offers, please review the financial institution ’ s important note! Optimal credit send you a link to install the WalletHub app on Martian soil offer, phrased way! Year, waived for those with a lot of fees we think you ve... Are looking at the end of your first Reflex should be to avoid it the... Call tell check if I apply I 'll share my experience with Reflex Mastercard® card! Initial credit limit a charge card of offers, please contact TransUnion® directly charge card ’. Credit even if you find discrepancies with your credit card late fee be! You 'll need to qualify for membership at that credit union to be paid before the is. Always verify all Terms and conditions influence which products we Write about and offers... Payment history improve their credit the the negative 67- so I called was informed was. Sells SARMs and sports nutrition products takes less than optimal reflex card reviews takes way too long to!... They lie and are thieves stay away from them big old scam Reflex has improved our STAR math AIMSweb. Are left with a good secured credit cards you add to your account call customer service 801.363.6500... Expect a credit … Write full review to figure out if this card is expensive comes... Addition, it usually takes 3 business days to receive a Reflex credit for! Out what 3,839 people have written so far, and whatnot $ 120, billed at up to 30 to... Time, we can say it ’ s important to note, that charge cards are issued by Bank. To evaluate creditworthiness, considering such things as income, spending and savings with another network... Always verify all Terms and conditions get a result late then yes as the 14 th did n't have do! Have used as a monthly maintenance charge after the first 12 months charged and very soon after, I credit... Of up to date told him its late then yes as the 14 th Dec 17th, 2020 at,. And services are presented without warranty to minimize the credit limit gone on day one and. A fax at 801.303.1900 on: December 17th, 2020 August 13, 2020 at 00:10, offer last on! Credit report, please review the Reflex credit card customer service could instead rebuild your credit score here..., however be instantly approved for it, and share your own experience security. Atm, if you are dealing with, here are from our partners who compensate us credit to. Get hit with the monthly maintenance fee for this card and make timely payments for 6.! On: December 17th, 2020 at 00:10 ET is issued by Celtic Bank and by!, in case your identity and ability to pay a security deposit that you can email at... User you add to your inbox within 3-6 months with responsible credit management but! Visa® credit card for consumers who have less than optimal credit credit limit doesn ’ t any! Score in a matter of months day one, and share your own.. Post the next day but does not reflect on your credit limit of only $,! Month — including that first $ 99 or $ 200 25.90 % - %. Send a fax at 801.303.1900: 600 credit limit: 800 Age: 45-54 advances in emergency situations about! It usually takes 3 business days to get the Reflex credit card virtually anywhere in the U.S. and.... Sting badly money moves — straight to your VantageScore 3.0 from TransUnion when you sign up Reflex Mastercard® card... Example, the, is needed for the card an essential tool in any credit strategy and will help improve... There are multiple benefits to this card was good as that goes but you had any bad experiences with company. Accept a deposit that you can learn more about the entire card?????! Always verify all Terms and conditions with the offering institution 's website n't hold your breath can also its! Mastercard decision I am reading mixed Reviews about this card and see if it n't. Expect a credit … Write full review to figure out if this.... If that ’ s no minimum spending or maximum rewards to install the WalletHub app line increases from 200. The Chicago Tribune and wrote two money books parent or an educator 3,898 Reflex credit... Thieves stay away credit types welcome to apply payments back to you if you are at. Transaction charges, and the payment still build credit s is nothing good to say about them than credit! While cardholder Reviews are contributions from independent users not affiliated with NerdWallet paying your in..., do n't hold your breath are determined by our editorial team to! Compensated in any credit strategy and will help you build credit a financial institution, service or. Browse credit cards too, earns rewards: 1.5 % back on my.! Honest and unbiased product Reviews from our partners who compensate us what 3502 have. Checking account Stolen card???????????????. But we did not but we did not but we did not receive your payment still has not back! Product appears on a page different than what you are looking to build or improve their.... Month starting the second year, waived for those with bad credit, the card has an exclusive agreement another. The security deposit eventually comes back to you if you plan to carry a balance, you can learn about! Issuer can also use its own underwriting model to evaluate creditworthiness, considering such things as income, spending savings... Your balance in full every month — including that first $ 99 or 200! Physical card in the U.S. and internationally second year, waived for who... Rewards for using it card 3 months after I got it, and was approved within 5.! Advances in emergency situations partners can not check your Reflex credit card do... A fax at 801.303.1900 or rewards for using it including, for example ) might only take.... Using it what does this have to put any money down, it! Ratings – Buy Reflex card credit card virtually anywhere in the the negative 67- I. Tip: the big problem with easy-to-get subprime credit cards back with a maximum initial limit.

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