What is Continental finance company?
Continental Finance Company provides the easiest credit cards to get approved for. Accept your pre-approved credit offer that you received in the mail. Founded in 2005, Continental Finance Company (“CFC”) is one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit. The company specializes in providing credit products and services to consumers who are largely overlooked by traditional credit card issuers and local banks. As a consumer finance company, with a state of the art consumer lending platform, we are able to provide a variety of services to our customers when other financial institutions will not accommodate them. Since the Company’s founding, CFC has prided itself on its corporate responsibility to its customers in terms of a strong customer support program and fair treatment.
Cerulean Card Info
- An initial credit limit of $750
- Potential Credit Limit Increase after just 6 months
- Enjoy peace of mind with $0 Fraud Liability
- Monthly reporting to the Three Major Credit Bureaus
- Free Monthly Credit Score available on Statements
- No monthly maintenance fees
- Open to people with poor credit
Cerulean Mastercard Card Features
- Cerulean Mastercard with an initial credit limit of $750 gives you the financial clout you need. Use your Cerulean card at locations everywhere Mastercard is accepted. Shopping, dining, even travel are all in your future with your new Cerulean credit card.
- You may be eligible for your first credit limit increase after just 6 months. Continental recognizes this and will review your account, giving you the opportunity to obtain a Credit Limit Increase upon your request, subject to income and underwriting criteria at the time of review. You could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score.
- With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Cerulean credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected. Whether you’re shopping in a store, travelling abroad, or making online purchases you can rely on Continental Finance to protect your Cerulean credit card account.
- The Cerulean credit card can be used as an effective tool to build credit. Continental Finance accepts people who apply for a Cerulean credit card with less than perfect credit. Continental Finance will report your payments to the three major credit bureaus – TransUnion, Experian, Equifax.
- When you activate a Cerulean Mastercard, you have to create an account. One of the top features of that account is you get a free monthly credit score when you enroll in e-statements. Every month you can check your score. If you are building credit for the first time, or repairing credit, you can see the impact actions like making your monthly payments on time have on your credit score each month.
Cerulean Credit Card Application
When you submit your application, you have to wait for Continental Finance to review it and make a decision.
Required details to apply for Cerulean Credit Card?
You’ll need to provide personal information, including your:
• Full name
• Social Security number
• Date of birth
• Physical address (No P.O. Box)
• Estimated gross monthly income
How to apply for Cerulean Credit Card?
1. Go to Cerulean Mastercard Offer Page
2. Enter your Reservation Number & Social Security Number
3. Click on “Confirm Reservation” and wait for the decision. In some cases you might receive an instant decision online, but Continental Finance says it can take up to 30 days to hear back in some cases.
Cerulean Credit Card Pre-approval
Continental Finance Company provides the easiest credit cards to get approved for. Accept your pre-approved credit offer that you received in the mail.
When your application is approved, you will get initial credit limit of $750.
How to activate my new Cerulean Credit Card?
You can activate new and reissued cards online or over the phone. To activate online, go to the website on the back of your card and select the “Activate Now” button. To activate over the phone, call from the phone number that you provided on your application to the toll-free activation number printed on the sticker affixed to your new card within 30 days of receiving your card in the mail.
Cerulean Credit Card Review
You’ll have a hard time finding user reviews specific to the Cerulean Mastercard. However, there are plenty of reviews online for Continental Finance in general.
This is probably because Continental Finance as a whole serves the “bad credit” market.
Overall, reviews are mixed, with some users saying the high fees made the cards a bad choice and others reporting that the cards helped them build their credit.
For example, these positive reviewers had good things to say about their card issued by Continental Finance, with one reviewer reporting they received a $300 credit limit increase after the first six months.
Good card for improving bad credit. High intrest, but worth it if you can’t obtain credit anywhere else. I highly recommend this card as it has a larger starting balance
Jeannine
On the other hand, there are also negative reviews. Some cardholders complain about Continental Finance cards’ high fees, and others say they were disappointed with the customer service.
This card is designed to keep you in debt forever. After montly fees an interest, you’re literally paying pennies into the account. Pay it off as fast as you can, and never look back lol
Utotomi
Cerulean Mastercard Pros and Cons
| Pros | Cons |
|---|---|
| No maintenance fee | Annual fee |
| Reports to all three credit bureau | Fee for additional cards |
| Initial credit limit of $750 | High late and returned payment fees |
| Free online account access | No rewards |
| Possibility of an increased credit limit after six months | Invitation-only |
| Widely accepted |
Cerulean Mastercard FAQs
Here are some of the most commonly asked questions and answers about the Cerulean Mastercard.
What will my credit limit be?
Upon approval, we will grant you a credit limit based on the offer you applied for.
How long do I have to activate my new credit card?
You have 30 days to activate your credit card. If you do not activate you credit card in that timeframe your credit card will automatically be closed and you will be unable to use your new credit card for purchases or other transactions.
Can I add someone to my credit card account?
Yes. Simply call the Customer Service phone number on the back of your card. Please note that to add an authorized user to your account; you must be the primary cardholder and fees will apply.
Best Cerulean Credit Card Alternatives
Having bad credit will restrict your options when it comes to credit cards, but you probably have more choices than you realize. For example, here are three credit cards to consider if you’re not quite ready to move forward with the Cerulean Mastercard.
1. Capital One Secured Mastercard
As the name indicates, the Capital One Secured Mastercard is a secured credit card, which means it requires a security deposit. However, you can choose to put down $49, $99, or $200 depending on your creditworthiness.
2. Discover it Secured Credit Card
The Discover it Secured credit card is one of just a handful of secured credit cards that also offers a rewards program. Cardholders can earn 2% cash back up to $1,000 on dining and fuel plus 1% cash back on all other purchases.
3. Citi Secured Mastercard
With no annual fee and the option to choose your own payment date, the Citi Secured Mastercard is another card to consider if you have bad credit.
Depending on your creditworthiness, you can deposit between $200 and $2,500 to get started. The Citi Secured card’s APR is 23.49%.
Continental Finance Credit Cards
Surge Mastercard
- Credit Limit
Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750.
- Rates
APR(variable) ranges from 25.90% to 29.99%.
- Annual Fee
Ranges from $75 to $99.
All pre-qualified offers are based on credit worthiness.
- $0 Fraud Liability
Card holders not held responsible for unauthorized charges on the Surge card.
- Potential Credit Limit Increase*
You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review.
- Report to All 3 Major Credit Bureaus
To help people build or re-establish credit history.
Reflex Mastercard
- Credit Limit
Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750.
- Rates
APR(variable) ranges from 25.90% to 29.99%.
- Annual Fee
Ranges from $75 to $99.
All pre-qualified offers are based on credit worthiness.
- $0 Fraud Liability
Card holders not held responsible for unauthorized charges on the Surge card.
- Potential Credit Limit Increase*
You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review.
- Report to All 3 Major Credit Bureaus
To help people build or re-establish credit history.
Cerulean Mastercard
- An initial credit limit of $750
- Potential Credit Limit Increase after just 6 months
- Enjoy peace of mind with $0 Fraud Liability
- Monthly reporting to the Three Major Credit Bureaus
- Free Monthly Credit Score available on Statements
- No monthly maintenance fees
- Open to people with poor credit
Verve Mastercard
- Credit Limit
Card offers are for an authentic Mastercard with a Credit Limit between $300 and $750.
- Rates
APR(variable) ranges from 25.90% to 29.99%.
- Annual Fee
Ranges from $75 to $99.
All pre-qualified offers are based on credit worthiness.
- $0 Fraud Liability
Card holders not held responsible for unauthorized charges on the Surge card.
- Potential Credit Limit Increase*
You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review.
- Report to All 3 Major Credit Bureaus
To help people build or re-establish credit history.
Fit Mastercard
| Processing Fee | $89.00 (one-time fee) |
| ● Annual Fee | $99.00 |
| ● Monthly Maintenance Fee | $75.00 annually (billed at $6.25 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. |
| ● Additional Card Fee | $30.00 (one time, if applicable) |
