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Continental Finance Credit Card

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Continental Finance Credit Card ReviewContinental Finance Credit Cards are designed for people who have had issues with their credit. They are for individuals with rough credit, bad credit, or terrible credit/bankruptcy. This is a bad credit credit card.

Continental Finance prides themselves on helping people with bad credit learn better spending and payment habits. They provide semi-annual increases for those individuals that continue to pay their bills on time.

Continental Finance offers three different credit cards, the Continental Finance Gold MasterCard, Continental Finance Classic Blue MasterCard and the Continental Finance Classic MasterCard.

  • The Gold MasterCard is for people with rough credit but that have an established credit history with a couple of rough patches. The interest rates for this card starts at 9.75% APR.
  • The Classic Blue MasterCard is for people who have bad credit but no bankruptcy or collections. The interest rates start at 16.75% APR for this card.
  • Lastly, the Classic MasterCard is for those individuals with terrible credit. For people who have had collections and even bankruptcy. The interest rate for this card starts at 25%.

The Good Points of the Continental Finance Credit Cards

When you compare credit card offers you need to review both the good and bad points of each offer:

  • The Gold card offers a low interest rate that isn’t introductory, which means it won’t increase after a certain amount of days.
  • All three cards provide people with bad credit the opportunity to get a credit card. For someone with a recent bankruptcy, this can be especially appealing.
  • All cards have semi annual increases that range between $75 and $100 each time (typically every 6 months).
  • Card limits can eventually reach a total of $1500 to $2000, depending on the card.
  • Blue and Classic cards require no minimum income in order to qualify.

The Not So Good Points of the Continental Finance Credit Cards

There are many fees with a Continental Finance Credit card.

  • Fees include a $200 set up fee, $75 annual fee, $30 credit increase fee and $18 monthly maintenance fee
  • Max starting credit limit is $300; with initial fees, available credit will be $25
  • If you are late for one payment, Continental Finance may close your account while still charging you fees.
  • Monthly payments start at $35.
  • Continental Finance is not currently accepting any new cardholders.

The Bottom Line about Continental Finance Credit Cards

The bottom line is that Continental Finance seems like a good deal at first glance. Once you read the fine print, however, you will find that the many fees, especially the start up fees, means that you will not be able to use your card for a while.

If you have a bankruptcy, then this may be a good first step for reestablishing your credit. Just ensure that you can afford the monthly payments first. At this time, Continental Finance is not currently accepting applications. This makes this card useless at this time, regardless.

For other great credit card options for people with less then perfect credit, compare credit cards right now!

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

2 Cardholder Reviews for the “Continental Finance Credit Card”

  1. Barbara says:
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    THIS IS A JOKE! Don’t get this! I made three payments and they said all of them have returned just now. My bank said they never returned anything, I got confirmation of all my payments and they say I am late because of the returns. They want me to pay late fees when I paid every two weeks. Where is my money going, or not going? They gave me confirmations, but my bank has not given them any money. I think they did this on purpose so they could get more money. I paid on my husbands account the same day, and his went through. Why is mine not going through? Just now after one month me paying three payments, and nothing to show for it. Pisses me off. I am paying it off and getting rid of them.

  2. Lisa Simes says:
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    This just happened to me. I made a payment on October 1st, and they said my bank returned the payment, which they did not. Continental said I entered the wrong account number on my online payment which I did not. This is like the merry go round from hell. I am going to pay them off and cancel the card at end of month. I hate this card, and their customer care is horrible, it’s like a Credit Card scam.

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