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This Reflex Credit Card login and activation guide will help you to seamlessly use your card, without any hassle.
The card is issued by Celtic Bank and serviced by Continental Finance, has gained popularity among consumers looking to build or rebuild their credit.
In this comprehensive guide, we will discuss about the features, benefits, application process, and account management options of the Reflex Credit Card. Our aim is to provide a clear and thorough understanding of this financial tool.
What is Reflex Card?
The Reflex card is a credit card intended particularly for those wishing to establish or repair their credit history. It is recognized for accepting candidates with low to fair credit ratings.
The card reports to all three main credit agencies, allowing users to enhance their credit ratings by making timely payments. However, it has hefty fees and interest rates, which prospective users should consider.
Pre-Requisites for Reflex Credit Card Login
- Your Card Details: Keep your Reflex Credit Card handy.
- Registered Account: You should have already set up your online account.
- Username and Password: Remember your login credentials.
- Internet Connection: Make sure you’re connected to the internet.
- Device: You’ll need a computer, smartphone, or tablet to access the website or mobile app.
How to Log In to Your Reflex Credit Card?
To login to Reflex Credit Card, please follow the steps given below,
Step 1: Open the Website
- Go to the Reflex Credit Card website (https://www.reflexcardinfo.com/).
Step 2: Click ‘Login’:
- After this click on the “LOGIN” option as shown in the screenshot below.
Step 3: Enter Your Details:
- Type in your “username and password” in the given fields.
Step 4: Click ‘Login’:
- After entering your details, press the ‘Log In’ button.
Step 5: Access Your Account:
- Once logged in, you can view your account, check balances, make a payments, and more.
Are You Having Trouble Logging in to Reflex Credit Card?
If you have forgotten or do not remember the username and password of Reflex Credit Card login, then there is no need to worry, you follow the guidelines given below and login directly.
1st: Reset Password:
- Open the Reflex Credit Card login page (https://yourcreditcardinfo.com/?product=reflex)on your browser.
- Look for a link or button that says ‘Forgot Password‘.
- Enter the required information, like your account “username“.
- Then, click on the ‘Find Account’ button.
- You may need to answer security questions or confirm via email or text.
- Once verified, you’ll be able to set a new password.
- Use your new password to access your account.
2th: Recovery Your Username
- First, visit the Reflex Credit Card login page (https://yourcreditcardinfo.com/?product=reflex).
- Next, click on the ‘Forgot Username‘ link.
- Now, you’ll likely need to provide your last 4 digits account number, last 4 digits SSN and billing zip code.
- After entering all this information, click on the Find Account button.
- Follow the on screen instructions to verify your identity.
- Once verified, the system will either display your username or send it to your registered email.
- Use your retrieved username (and your password) to log into your account.
Register for the My Reflex Card Online Portal
- Go to the Reflex Credit Card Login page at (https://yourcreditcardinfo.com/).
- Then, click on Register for Access link.
- You’ll be asked to enter details like your last 4 digits accoun, last 4 digits SSN number, and the billing zip code.
- After entering all these details, click on the ‘Next’ button.
- Choose a username and password that you’ll use for logging in.
- You might be asked to set up security questions or provide additional info for account safety.
- Follow the remaining instructions to finish setting up your account.
- Once registered, you can log in using your new username and password.
Reflex Credit Card Activate At activate.yourcreditcardinfo.com
1st: Activate Online
Activating your card is quick and easy. Follow these steps:
Visit the Activation Website:
- Navigate to the official credit card activation website, which in this case you mentioned as “https://activate.yourcreditcardinfo.com/“.
Enter Credit Card Information:
- Now, enter details such as your last 4 digits credit card number, last 4 digits SSN (Social Security Number), and your billing zip code.
Click ‘ Activate My Card’
- After entering all the asked information correctly, click on the option of “ACTIVATE MY CARD“.
Create an Online Account (If Required):
- Some credit card providers require you to create an online account to manage your credit card. This might involve setting up a username and password.
Agree to Terms and Conditions:
- Carefully read through the terms and conditions of your credit card and agree to them. It’s important to understand your credit card’s features, benefits, fees, and interest rates.
Submit Your Activation Request:
- After filling in all the necessary information and agreeing to the terms, submit your activation request. Usually, you will receive a confirmation message stating that your credit card has been activated successfully.
Confirmation:
- Some banks might send a confirmation email or SMS. Keep an eye on your registered email or phone number for any such communication.
2st: Activate By Phone
Find the Phone Number:
- The number to call is 1-866-449-4514. But check your card to make sure this hasn’t changed.
Call to Activate:
- Dial the number and listen to the instructions.
Say “Activate Card”:
- When asked, say “activate card” to talk to someone who can help.
Give Your Details:
- Be ready to tell them the last 4 numbers of your card, the last 4 of your Social, and your zip code.
All Set:
- The person will confirm once your card is active. Then you can start using it right away!
If you have problems or questions about activating your Reflex Credit Card, call their customer service at 1-866-449-4514 for help.
Access Your Cardholder Agreement
- Go to the Reflex Credit Card website and log into your online account.
- Now, click on the ‘Access Your Cardholder Agreement‘ option.
- After this you will have to enter last 4 digits card number, last 4 digits SSN and billing zip code information.
- After entering all this information, click on the “VIEW AGREEMENT” button.
- In this section, you should find a link to your Cardholder Agreement.
- Click on the link to view the agreement. You may also have the option to download it for your records.
Manage my New Reflex Card Account
You can manage your Reflex card online easily. After signing up for Online Banking, you’ll get a login. With this, you can pay your bill, check recent activity, look at past statements, see your payment history, and keep an eye on your balance and other key details. You can access all this info anytime you want, 24/7.
Key Features of the Reflex Mastercard Card
Building Your Credit
- Starting Credit Limit: Get a credit limit between $300 and $1,000 at the start. Pay on time for the first six months, and your limit could double!
- Monthly Reports to Credit Bureaus: Your card activity is reported every month to the big three credit bureaus (TransUnion, Experian, Equifax), helping you build a good credit score if you use the card wisely.
Keeping Your Money Safe
- No Worries on Unauthorized Charges: With Mastercard Zero Liability Protection, you’re not on the hook for any unauthorized charges made on your card.
- Extra Security with $0 Fraud Liability: The Reflex Mastercard goes an extra mile to protect you from any unauthorized transactions on your account.
Easy to Manage Your Account
- Access Your Account Anywhere: Check your account online whenever you want. You can see your statements, due dates, and even make payments online.
- Manage on the Move with the Mobile App: Download the Reflex Credit Card app and manage your account easily from your phone, anytime, anywhere.
Pros and Cons of the Reflex Mastercard
| Pros | Cons |
|---|---|
| Credit Building | High Fees |
| Accessibility | High APR |
| Initial Credit Limit | Capped Limit |
| Additional Features | Lack of Rewards |
Making Payments and Contacting Customer Service
Payment Options
- Online: Payments can be made through the online account access portal.
- By Phone: Payments can be made by calling (1)-800-518-6142.
- By Mail: Users can send a money order to the designated payment address.
- Mobile App: Payments can also be made via the Reflex mobile app.
Customer Service
Customer service is available Monday – Friday between 7 am and 10 pm (ET), and Saturdays between 9 am – 4 pm (ET).
Contact: Users can reach customer service by dialing (1)-800-518-6142.
Conclusion
The Reflex Credit Card stands out as an excellent resource for anyone wishing to create or improve their credit history. It provides a solid foundation for financial growth, with features such as a possibly expanding credit limit, thorough security measures, and flexible account administration options. Prospective users are recommended to assess their financial circumstances and speak with financial professionals before making a choice about using this financial product.
FAQs
Q1. What is Reflex Mastercard?
Ans:- The Reflex Mastercard is a credit card for people wishing to establish or rebuild their credit history.
Q2. Who qualifies for the Reflex Mastercard?
Ans:- Individuals with bad to fair credit, typically with a minimum score of 500, are eligible.
Q3. What costs are involved with the Reflex Mastercard?
Ans:- The card charges an annual cost of $75 to $125 in the first year and $99 to $125 after that, plus a monthly maintenance fee of $0 to $10 after the first year.
Q4. What is the APR on the Reflex Mastercard?
Ans:- The Reflex Mastercard carries a high variable APR of 29.99%.
Q5. Is there a rewards program for the Reflex Mastercard?
Ans:- No, the Reflex Mastercard does not have a rewards program or cash back incentives.
Q6. What is the initial credit limit on the Reflex Mastercard?
Ans:- The initial credit limit ranges from $300 to $1,000, with the option to expand to $2,000 after responsible use.
Q7. How does the Reflex Mastercard affect credit building?
Ans:- The card sends reports to all three major credit agencies, allowing cardholders to establish or improve their credit scores through responsible use.