Reflex is for people with a less-than-perfect loan. Or looking for a way to boost their credit. This card is one of the few credit cards that offer unsecured lines of credit.
While it can help you increase your credit, the many fees it charges can make it an expensive option for some.
Reflex Credit Card
Intro Offer APR 300-719 (Poor – Good)Features
See the table below to review the fee schedule and see if this works for you.
If you’re wondering if Reflex is the right card for you, read below to learn more about its fees and features.
- Monthly reports for the three major credit bureaus.
- Credit Limit Increases: Free automatic account reviews for credit limit increases.
- Free Credit: Access your monthly Vantage 3.0 credit rating.
- Account Alerts: Customize your notifications, Better manage your expenses and payments.
- Mastercard Zero Fraud Liability Protection (per Mastercard guidelines)
Who is Reflex suitable for?
This card is an excellent option for those who are looking to increase their credit. But don’t have the money to invest in a secured credit card. This card has an acceptance at all regular credit bureaus
This card has an acceptance at all regular credit bureaus. And when the user guarantees responsible payment on time, it guarantees the desired credit score.
All about the Reflex card
The Reflex card is accepted for both online purchases and in-person purchases in most retail chains.
Card holders have completely free card theft liability protection. In addition to there being no charge for card inactivity, so the user can feel totally safe with his Reflex!
A Reflex account has an APR ranging between 24.99% and 29.99%. A similar APR variable is also applied to cash withdrawals. There is also a 5% or $5 surcharge on cash withdrawals. Therefore, this account feature should be used wisely.
There are some fees associated with this account. If your application is approved, you will pay an annual fee between $75 and $99 per year.
There is also a monthly billing fee of $10. This monthly fee is waived for the first year, so you don’t need to pay right away. There are no monthly fees for accounts with a credit limit of $1,000 or more.
While this card charges recurring account fees, there are no one-time fees. There are no membership fees, additional card fees, or other one-time fees.
Benefits
Reflex offers a quick and easy application process. This pre-qualification is simple, free and does not require a difficult credit check.
Approved account holders can get their new card up and running quickly. Most cards ship within three business days. You will need to activate your new card over the phone upon receipt. You have to activate your card within thirty days. Otherwise your account will be automatically closed.
Reflex Credit Card is also a great option for rebuilding your bank account when you have bad credit. The account reports to the three major credit bureaus every month so your new activity has an impact on your credit score as quickly as possible.
Think of your creditworthiness as a living and evolving picture of your financial situation. Making regular payments will improve your credit score to reflect this positive activity.
Once you open your account, you will be able to qualify for a larger credit line after six months. Your overall credit score is a factor in defining your credit score, so having a higher credit limit will help improve your credit score.
A higher score also allows you to reduce the percentage of available credit you use, which is another point in determining your score.
Reflex accounts provide additional tools for monitoring your credit. The $0 Fraud Guarantee guarantees that you are not responsible for any unauthorized activity on your account.
You can also take advantage of free credit monitoring when you sign up for electronic statements. Monitoring your credit score is a great way to keep track of your financial situation, and Reflex gives you free access to your Experian Vantage 3.0 score* (when you sign up for electronic statements). You can track your progress each month as your balance increases.
Online account management
Enjoy modern account functions with online account management for your Reflex. You can check your account balance, make payments and more online.
You can pay for your Reflex online through your online account management page. Log in to your account to check your balance, make Reflex credit card payments, and more. Check the status of your Reflex card
You can find all information about your Reflex on the online account management portal. This secure web page contains all of your account information, including status, account balance, upcoming payment dates and more.
You can check your account status on the go with the Reflex Mastercard® app. Download this tool from the App Store or Google Play to monitor your account right from your smartphone.
How to apply for your Reflex card?
If you have been declined for new credit accounts in the past and are not sure if you have been approved for a new card, you can see if you are pre-qualified for Reflex.
Pre-qualification is the first step in opening an account.
No credit check is required to find out if you are eligible.
On the Reflex page, you will fill in the following data:
- Full name;
- Full address;
- City;
- State;
- Postal Code;
- Email address;
- It will inform you whether or not you have an active checking account or debit card.
Get started today with a simple and secure application for your Reflex credit card and benefit from one of the best unsecured credit cards!
Conclusion
If you have had credit problems in the past, Reflex Mastercard® is an effective way to improve your financial situation. This card offers a risk-free application process, a way to increase your credit limit, and tools to monitor your evolving credit score.
With responsible use of credit and account activity, you can restore your credit history with Reflex.
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