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0%If you are looking to build or repair your credit history, the Reflex Platinum Mastercard card is a powerful financial tool designed specifically for that purpose. Issued by Celtic Bank and serviced by Continental Finance, this card is known for being accessible to those with less-than-perfect credit scores.
In this guide, we will break down everything you need to know about the card, its issuer, and how you can apply for one today.
About Celtic Bank
The Reflex Platinum Card is issued by Celtic Bank, a privately owned industrial bank chartered by the State of Utah and headquartered in Salt Lake City. Founded in 2001, Celtic Bank is a top-tier SBA (Small Business Administration) lender and has a long-standing reputation for providing financial services to small businesses and individuals across the United States.
While Continental Finance handles the day-to-day servicing of the Reflex card (like customer service and online portals), Celtic Bank is the financial institution that provides the actual credit and ensures the card is backed by the global Mastercard network.
Main Advantages of Reflex Platinum Mastercard Card
The Reflex Platinum Card is more than just a payment method; it is a “credit-builder” card. Here are its primary benefits:
- Initial Credit Limit: Approved users generally receive an initial credit limit ranging from $300 to $1,000, which can be used anywhere Mastercard is accepted worldwide.
- Credit Bureau Reporting: This is perhaps the most significant advantage. The card reports your payment history to the three major credit bureaus: Equifax, Experian, and TransUnion. Consistent, on-time payments can significantly help improve your credit score over time.
- Mastercard Zero Liability Protection: You are not held responsible for unauthorized charges if your card is lost or stolen, giving you peace of mind during online or in-store shopping.
- Monthly Credit Limit Increases: Continental Finance often reviews accounts after a period of on-time payments (usually 6 months) for potential credit limit increases, helping you lower your credit utilization ratio.
- Digital Tools: Cardholders get access to a mobile app and an online management portal to track spending, set up alerts, and pay bills 24/7.
Who Can Apply for Reflex Platinum Mastercard?
This card is specifically designed for consumers who may have been turned away by traditional banks. You are a good candidate if:
- You have “Less-than-Perfect” Credit: Whether you have a thin credit file or a low score due to past financial mistakes, the Reflex card is built to help you restart.
- You have a Steady Income: You must demonstrate that you have a monthly income sufficient to cover your minimum payments.
- You are a U.S. Resident: Applicants must be at least 18 years old (19 in some states) and have a valid Social Security Number and a physical U.S. address.
How to Apply Reflex Platinum Mastercard Card
The application process is straightforward and usually results in an instant decision. Follow these steps:
- Visit the Official Website: Go to reflexcardinfo.com and click on the “Apply Now” button.
- Provide Personal Information: You will need to enter your full name, date of birth, Social Security Number, and physical address (P.O. Boxes are typically not accepted for the initial application).
- Submit Financial Details: You will be asked for your total monthly income to help the bank determine your ability to pay and your initial credit limit.
- Review the Terms: Before submitting, make sure to read the summary of fees (such as the annual fee and APR), as credit-builder cards often have higher costs than standard cards.
- Receive Your Decision: In most cases, you will receive an instant approval or denial. If approved, your new Reflex Platinum Mastercard will typically arrive in the mail within 3 to 10 business days.
Conclusion
The Reflex Platinum Mastercard is a strategic choice for anyone serious about improving their financial standing.
By using the card responsibly and paying your balance on time, you can open doors to better financial products in the future. Visit the official Reflex website to see if you are pre-qualified today!