![]() The following positive and negative points are among those highlighted in cardholders’ reviews on WalletHub: Here are some of the things people like and dislike about the Reflex Mastercard®. And there are also some additional concerns mentioned in the cardholder reviews alongside the compliments on the card’s perceived advantages. However, many remark on how expensive this card is. Many of them are happy with the card’s credit-building capabilities. ![]() The Reflex Mastercard® gets reasonably good ratings from cardholders, overall. However, these features aren’t particularly unusual, so they don’t really justify the high ratings the reviewers award. A couple mention the card’s accessibility, and one cites the credit protection program as a major benefit. Meanwhile, several other sites give the Reflex Mastercard® Secured favorable reviews, but there doesn’t seem to be any particular reason for these. These reviewers lament the high APR and fees. The Reflex Mastercard® Secured gets a couple of bad ratings from experts. The Reflex Mastercard® website says they’ll use your personal information to pull your credit bureau data when you apply for the card, so it’s likely you’ll have to do this kind of credit check during your application. It probably requires a hard pull: A hard pull or hard inquiry is a mark on your credit report that shows lenders your credit has been checked (and that usually lowers your credit score by a few points).But you may be able to increase this amount relatively quickly by making at least six bill payments on time, after which Reflex promises to double your credit limit. It might give you a decent credit limit: The Reflex Mastercard® offers initial credit limits of $300–$1,000.This means you’ll pay a lot for the card regardless of whether you settle your balance in full each month. It’s expensive: This card’s usage fees go as high as $245 a year, including annual and monthly fees, and it also has a high APR of 24.99% – 29.99% (variable).Here’s what you should know about the Reflex Mastercard® before you apply: The Reflex Mastercard® is offered by Continental Finance, who service a number of credit cards for borrowers with less-than-perfect credit. ![]() However, the downsides are steep annual and monthly fees and costly interest rates. For people with less-than-perfect credit, the Reflex Mastercard® offers reasonable prospects for a high credit limit, especially as an unsecured card.
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