Embark on your credit history journey with a fantastic credit card. Source: The News Stacker. Aspiring to elevate your credit score and embrace superior financial flexibility? The Reflex® Platinum Mastercard® Credit Card could be your answer.

This card not only provides a credit line but also encourages responsible spending. Witness your spending limit double following six months of prudent usage and punctual payments.

-Credit Score: The Reflex® Platinum welcomes applications from all credit types.

-Annual Fee: It varies from $75 to $125, contingent upon creditworthiness.

-Intro Offer: Currently, the Reflex® Platinum does not have any promotional offers.

-Rewards: At the moment, the Reflex® Platinum does not offer purchase rewards.

-APRs: A variable APR of 29.99% is applied, depending on your credit status.

Additional Fees: From the second year onward, a monthly fee of up to $10 is charged (waived for those with a $750 or $1,000 limit). A 3% foreign currency conversion fee, a cash advance fee of 5% (or $5), and a late payment fee of up to $41 are also applied.

Watch your credit score ascend with Reflex’s credit bureau reporting. Moreover, enjoy complimentary access to your Vantage 3.0 score from Experian when you sign up for e-statements.

Applications are welcome from individuals with any credit type, and you might receive an immediate decision!

Eager to discover more? Continue reading our comprehensive review of the Reflex® Platinum Mastercard® Credit Card!

The Reflex® Platinum Mastercard®, a credit building offering by Celtic Bank and overseen by Continental Finance, opens doors for almost everyone, including those with poor or limited credit history.

While it may come with higher ownership costs ($75 – $125 annual fee and a monthly fee after the first year), it delivers on its promise of boosting the user’s credit score, thanks to regular payment reports to the three main U.S. credit bureaus.

As a new member, you may receive instant approval and an initial spending limit of $300 to $1,000. Demonstrating responsibility by making six on-time payments can lead to a doubling of your limit, thus enhancing your purchasing power.

Assessing the Pros and Cons of the Reflex® Platinum Mastercard® Credit Card Designed as a safe and straightforward way to improve your credit score, the Reflex® Platinum Mastercard® Credit Card brings along its own set of benefits and drawbacks. To decide whether or not this card is right for you, consider the following pros and cons:

Pros: Even with a poor or limited credit history, you can apply for and get approved for the Reflex® Platinum. Offers easy access to an unsecured Mastercard® credit card with initial credit lines ranging from $300 to $1,000. All account activity is reported to Experian, Equifax, and TransUnion, the main credit bureaus, by Continental Finance. After six months of on-time payments, your initial spending limit can be doubled. You can freely access your Vantage 3.0 score from Experian and monitor your progress.

Cons: The Reflex® Platinum is an expensive credit building card, with an annual fee in the first year, plus a monthly fee starting from the second year. An eligible checking account is required to obtain the card. The APR is extremely high, even for a card of its category.

To be eligible for the Reflex® Platinum Mastercard® Credit Card, you must be a U.S. citizen or a permanent resident who is at least 18 years old.

Additional requirements include having a valid Social Security Number, a legitimate mailing address, and a personal checking account.

Applying for the Reflex® Platinum Mastercard® Card is as simple as a few clicks, thanks to Reflex’s user-friendly website. Instant decisions can be expected, providing an immediate response to your application.

Firstly, navigate to Reflex’s official website and locate the green “apply now” button. Clicking this button will lead you to the pre-qualification form.

In this form, you’ll provide Continental Finance with personal and financial information, as well as your contact details. Once all the required fields are filled, check the necessary boxes and select “see my card offers”.

Continental Finance will assess your application, returning with a range of credit card offers tailored to your profile, including the Reflex® Platinum Mastercard® Card.

Should you find the terms agreeable, proceed to submit a formal application. While most applicants receive an immediate response, there are instances where additional information is required. In such cases, responses may take up to 30 days.

Successful applicants who receive instant approval can anticipate their Reflex® Platinum card arriving within three business days. Activation can be completed online via Reflex’s website, preparing your card for immediate use.

Although the Continental Finance mobile app offers numerous features for managing your Reflex® Platinum Mastercard® Card, applications can only be submitted online or by calling 1-866-513-4598.

However, once you have received and activated your card, you can leverage the app’s capabilities for making payments, enrolling in e-statements, reviewing past transactions, and much more!