Updated on August 14, 2022
If you have been looking around for a good credit card but facing hurdles due to an average score, we recommend you check out YourReflexCard offer right now.
Not only does the card gives you a chance of being approved quickly but also allows for lower fees, if you continue maintaining good credit habits over time period.
When it comes to Reflex MasterCard, you can choose the secured or the unsecured version.
In case of a secured credit card, the initial deposit is not very much. We will talk about this in the sections below.
First of all, let’s quickly take a look at different perks & benefits that the card has in stock for you.
Why Should You Choose YourReflexCard?
- Easy Approval
- Free Credit Score Check
- $0 Fraud Liability
580 – 850
Check in Detail
We have already mentioned how Reflex card can help you improve your credit score. On top of that, you can use this card at millions of location around the US for dining, entertainment, and grocery purposes.
Initially, the card will typically offer a credit limit of $500. However, you can increase the credit line after just 6 months of responsible card use.
The card would also free you of the worry of fraud liability.
You will not be held responsible for the unauthorized purchases made via the credit card if you had already reported it missing or stolen.
Note! ReflexMasterCard reports to all the three major credit bureaus. That is the reason why we consider it so reliable when it comes to improving credit score.
Lastly, you will have access to FREE credit score check.
This may not be regarded as a huge perk by many customers but the truth as that keeping an eye on your report is important if you wish to fix the mistakes that you are making.
ReflexMasterCard – Highlights
Reflex card applicants must have a credit score of 580 or greater.
Having a good credit history or a pre-approved mail offer increases your chances of being accepted, but it is not a requirement.
Afterward, we should focus our attention on the cost of the subscription. An unsecured credit card often has a higher interest rate. Creditworthiness influences the final price of this card, which typically costs around $99.
Additionally, it may appear as if interest rates are rising. Penalties for late payments range from 25.9% to 29.99%. When compared to other credit cards on the market, this is a significant amount.
A $40 returned payment fee is also imposed by the bank, and a $30 additional cardholder fee is also imposed. Consider these fees when applying for this credit card.
How To Apply For Reflex Credit Card?
The application process can be listed in the following parts. As easy as pie to obtain a passport.
Secure or insecure credit and debit cards can be used for various purposes. It’s an unavoidable fact of life. Down fee is usually for credit card account opening. You should use an insured credit or debit card if you have solid credit.
Your Reflex Card prequalify.yourreflexcard.com must be entered with your reservation codes in order to be eligible. This information is contained on the capital adequacy cards.
Please provide the following information in order to use this application:
In required to be deemed, applicants must submit a printout of their bank account number. To use a credit card, you must check all of the relevant boxes and provide proof of your legal residency in the U.s.a.
At this point, there is nothing else that can be done. Please wait a few days for a response from the bank.
Is It Legit Or Scam?
One way credit cards affect your credit score is positively and negatively. When applying for a credit card, clients are careful because they want to be sure they get one they can rely on.
In contrast, Reflex Card looks to be genuine, as proven by the countless consumer reviews that can be found online. Rose, a long-term customer of the organisation, noted in her review:
“This card is a great resource for persons in a certain situation. However, only a few firms refuse to accept chipless cards, so it’s not a big deal when making purchases on Amazon, paying bills, or making other online payments.”
You should always read online reviews before applying for this card. You can contact the bank straight away if you have any issues with your credit application or use.
It is a bummer that Reflex Card does not carry any rewards.
However, this is an excellent opportunity to quickly improve your credit rating. Actually, the customers enjoy it because of this same reason!
Make sure to keep track of your credit file, clear debts, and keep a decent credit utilisation ratio, and your score will increase quickly.
Even so, you have the option of comparing the credit cards available to you. As a result, users looking to improve their score can choose from a variety of cards, including Reflex card. It’s safe to use the card if you know it will meet all of your requirements.
Frequently Asked Questions
Is Reflex credit card a legit option for those who wish to rebuild their credit score?
The Retractable card is an excellent alternative if you have a low credit score because it is quite safe. Make regular payments and keep your credit utilisation ratio low to avoid incurring penalty APRs because it is so expensive to maintain.
What credit score is required to be approved for Reflex Mastercard?
You require a credit score of at least 580 to apply for a Reflex credit card. However, an acceptable score only provides you with decent approval odds. The score does not guarantee that your application would be accepted. The credit card issuers need to check out a number of other factors before drawing a final decision.
Can I expect a credit line increase with a Reflex card?
Yes! The Reflex credit card does allow for credit limit increase. However, it is only possible once you have had the card for more than 6 months. The authorities will then look at your spending habits and credit card use before approving your credit line increase.
Can I make reflex credit card payments via phone?
You can make the payments by calling 1-800-518-6142. This is a convenient way to clear bills if you do not know how to use online portals.
I applied for Reflex Mastercard. How long will it take to get my card?
How far you go all relies on the outcome of your application. When applying for a reflex card, authorities will still look at your credit score.
Within two weeks of submitting your request, you should hear back from the bank. Your diploma and other requirements will also be given to you at this time. In no more then ten days after the decision is reached, you will receive an official letter stating you of the outcome.
Is Reflex Mastercard costly to maintain?
Unfortunately, there are a number of fees associated with the Reflex card. This is common for all credit cards that are available to those with a poor credit score. Since the bank is trusting you with a loan in form of a credit card, it has to ensure that you realize the importance of making timely payments and using the card with a responsible behavior.
Does the Reflex card charge a foreign transaction fee?
Yes, you have to pay an additional fee when using a Reflex card outside the United States. The foreign transaction charges are 3% so you need to keep in mind when applying for the card.