

Continental Finance
Founded in 2005, Continental Finance Company ("CFC") is one of America's leading originators 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, fair treatment, and responsible lending.
Continental Finance Reviews
3,331 reviews
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I had bad credit and got a $750 credit limit..used card and paid on time 20 months later my credit limit is up to $1650.. great card for rebuilding credit.


99 dollar annual fee...plus if you are with them over a year, they start charging 10 dollars maintenance fee each month. So, in clear terms, they punish you for doing business with them for over a year. It should be rewarding loyal customers....not punishing. Closing the account asap



This card is a good start for building credit. Yes the upfront fee sucks but what do you expect? I got a 400 credit limit and was able to get a card for my husband to let him piggyback and boost his credit also. It's good for what it's good for. Just keep it paid and there are no issues. Not sure why people complain. Clearly you have bad credit or no credit so don't expect a miracle or a zero interest credit card with a high limit.

It's a fine card to help rebuild your credit, with a $500 credit limit and no downpayment. I am having no problems with payment or customer support

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Continental Finance Q&A (97 questions)
How can I pay my Surge Credit Card?

You can submit a Surge credit card payment from your account online. Or, you can pay your Surge credit card bill by phone, at 1-800-518-6142. Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday.
Surge card payments can also be sent by mail. Mail a check, along with the payment coupon from your monthly statement, to: Surge Card, P.O. Box 6812, Carol Stream, IL 60197-6812.
How do I check my Surge Credit Card application status?

To check your Surge Credit Card application status, call the issuer's customer service department at 866-449-4514. However, in most cases, you can expect a decision almost immediately right through the website, with a letter to follow within a few days.
There is no online tool to check your application status but you can use the Continental Finance portal to make online payments on your account as well as choose to receive electronic statements.
How can I reach the Surge Credit Card customer service?

Ultimately, you could send them a mail to:
Surge Card
P.O. Box 3220
Buffalo, NY 14240-3220
For any specific inquiries, you can find other contact numbers and addresses here.
How can I reach the Reflex Credit Card customer service?

You can reach the Reflex Credit Card customer service at 801.363.6500.
Alternatively, you can email them at [email protected] or send a fax at 801.303.1900.
The mail address for the corporate headquarters is 268 South State Street, Suite 300, Salt Lake City, Utah 84111.
Is the Surge Credit Card a secured card?

The Surge credit card is not a secured card, so you're not required to put down a security deposit.