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If you are a couple looking for a third person or other swingers for your wife or husband, or you are a single female or male looking for couples, 3Somer is the perfect community for you.
Foreign transaction fees: It’s 3 percent, which is within the normal range.
Credit limit: You get an initial credit limit of 0, but after paying the annual fee, your available credit is only 5.
This is a hybrid credit card, so depending on your credit history and score, you could be offered an unsecured card, a partially-secured card, or a fully-secured card.
Your payment history is reported to all three major credit bureaus, so that’s great news if you decide to get this card. If you get an advance today, interest starts accruing as soon as it’s posted to your account.
So here’s what you do: Keep a low balance and pay your bill in full and on time. If you only qualify for a secured card, then take a look at my list of secured cards, The Best (and Worst) Secured Credit Cards, before you commit to Surge.