Continental Finance
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1 Star Rating
Verified CustomerI wouldn't let my enemy use this card. Terrible customer service, fees all over the place, and they absolutely do not value your business.
Product: FIT™ Platinum Mastercard®
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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... show more
Continental Finance Reviews
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Continental Finance
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1 Star Rating
Got a mail offer for a pre-qualification, yes, it's for people that have less than perfect credit, so I went to accept the offer they sent in the mail, not me getting online. And they denied me! So took a hit on my credit report for nothing. Be aware and careful, because even with a pre-qualification offer you can still get denied and a hard inquiry on your credit report. It's not worth it; had I known that, I would have never done it. There are better cards out there for people who don't have or have little credit. Yes, with big fees and stuff. But you will get the card, show responsible use, and not be misled by being shown approval and then get denied.
Product: FIT™ Platinum Mastercard®
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One of the greatest reviews I've ever read. Very honest, very informative, and MY FAVORITE PART, the great advice you gave to some who may have this card as their ONLY, albeit expensive option to access what comes out to just over $200, but more importantly to establish or improve their credit after the $95 processing fee and $99 annual fee. Great job at giving a great review, keeping in mind, without "bashing" anyone that this will help your credit but to be aware of everything you mentioned. Very "refreshing" to see such an honest, "kind", "understanding" review. 😊
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Continental Finance
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1 Star Rating
Verified CustomerThey shut my card off due to failure to comply with address verification, but they had it for over a year. I sent a copy of my state-issued driver's license with my physical address on it, and they said it was no good. So, I called back and spoke to a different representative who assured me it was good, and I had fulfilled my address verification. That was on January 5, 2026. I never missed a payment or was late. As of today, February 4, 2026, they shut my account off due to failure to prove my address. That is total nonsense and a very bad business practice. So, I am now resorting to filing a complaint with the Better Business Bureau. I have the emails and verification that I complied; they are very deceitful and show a disregard for the consumer.
Product: Cerulean Credit Card
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Continental Finance
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1 Star Rating
If you're considering this or any other credit card issued by Celtic Bank to help re-establish your credit, please know there are better options with lower fees, even if you have just filed bankruptcy.
My main reason for this review is due to them unexpectedly blocking my card (and not unblocking it) although the account was not past due, was in good standing, and had plenty of available credit. Their stated reason for blocking the card was "excessive use." This "excessive use" occurred because our area (and much of the country) was in a declared state of emergency and facing a massive winter storm. I, along with many others, were stocking up on supplies ahead of the storm. But despite explaining this to them and confirming that the "excessive use" wasn't fraud but was indeed myself making the purchases, they insisted I had to wait twenty-four hours before I could use the card again. When I asked to speak to the department making this decision, that department wouldn't even take my call.
So, let me put this into perspective. No fraud confirmed, account in good standing, plenty of available credit, and a declared state of emergency with an impending natural disaster. Yet, even with knowing and acknowledging all this, they wouldn't unblock my account. Would you want to rely on this kind of credit card in an emergency?
Essentially, this company confirmed one very important thing to me. They are not a company you want to rely on at any level in an emergency, even with an account in good standing. Not only will they not help you, but they might even disable your account when you need it most. It goes without saying, I will not be using this or any other card issued by Celtic Bank (also known as Continental Finance Company) again.
My main reason for this review is due to them unexpectedly blocking my card (and not unblocking it) although the account was not past due, was in good standing, and had plenty of available credit. Their stated reason for blocking the card was "excessive use." This "excessive use" occurred because our area (and much of the country) was in a declared state of emergency and facing a massive winter storm. I, along with many others, were stocking up on supplies ahead of the storm. But despite explaining this to them and confirming that the "excessive use" wasn't fraud but was indeed myself making the purchases, they insisted I had to wait twenty-four hours before I could use the card again. When I asked to speak to the department making this decision, that department wouldn't even take my call.
So, let me put this into perspective. No fraud confirmed, account in good standing, plenty of available credit, and a declared state of emergency with an impending natural disaster. Yet, even with knowing and acknowledging all this, they wouldn't unblock my account. Would you want to rely on this kind of credit card in an emergency?
Essentially, this company confirmed one very important thing to me. They are not a company you want to rely on at any level in an emergency, even with an account in good standing. Not only will they not help you, but they might even disable your account when you need it most. It goes without saying, I will not be using this or any other card issued by Celtic Bank (also known as Continental Finance Company) again.
Product: Reflex® Platinum Mastercard®
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Continental Finance
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1 Star Rating
Thieves and con artists. They charged my card a $150.00 (not $125) annual fee 2 months in advance! Clearly, they know you may cancel the card during the last month. It's a sleazy tactic. I called to dispute this and was rebuked with the fine print clause. You'd think that would be the end? No. Since I complained, they've decided I now warrant a $10.00 a month maintenance fee imposed 2 weeks after my call! Keep in mind, the initial contract said no monthly maintenance fee. This is how a person with good credit and never a late payment on any account gets treated?
Do not bother with this very questionable organization.
Do not bother with this very questionable organization.
Product: Cerulean Credit Card
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Continental Finance
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1 Star Rating
Do not apply or accept - complete rip off - In exchange for a $400 credit limit, you will be paying $99 for the first year and $125 a year after that just to have the card... but wait, there's more. You'll also be billed $150 a year after that, how convenient at $12.50 a month... but wait, there's more... $95 processing fee. If you never use the card, it will cost you approximately $350 for the first two years to have a $400 credit limit. If you use it, brace yourself... 35.90% interest. If you're late, there's a $41 late fee. In exchange for $50, they'll take approximately $350 plus whatever interest and fees they can get. Not worth it, no matter how desperate you are.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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1 Star Rating
I do have less than perfect credit, but I applied for this card under the pretense that after I make my first six payments on time (and always paying significantly more than the minimum), my credit line would double, which is what they promised. I made my sixth payment on time and expected my line to be doubled after the statement was generated. I called to ask why my credit line hadn't doubled, then they gave me some unsatisfactory explanation that "we're no longer offering credit line increases on this card." I told them that I got this card under false pretenses and they claim they sent a letter which they never did. These people are dishonest and untrustworthy. I hope an attorney looks into their actions and files a class action suit against these individuals.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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5 Star Rating
Verified CustomerThe card helped me build a good pay record.
Product: Continental Finance Credit Cards
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Continental Finance
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1 Star Rating
Verified CustomerDo not, and I mean do not, do it. You're better off with a secured card than dealing with this company. It was the worst experience ever!! they will ruin your credit and play the victim after conducting illegal activities with your account.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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4 Star Rating
Works for me. I got the card a year ago and it's been great. I use it for emergencies only and pay it in full every month. My credit limit increased to 800 dollars after six months. Yes, the fees are high, but since I just filed for bankruptcy, this card works for me. Since I'm not planning to apply for any new cards, I'm good with this one.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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1 Star Rating
Verified CustomerTakes a long time for payments to reflect in the available balance. Their customer service is sub-par. They take a long time to process withdrawals and charge a fee if it ends up not being available as a result. This card is a tax on the poor.
Product: Continental Finance Credit Cards
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Continental Finance
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1 Star Rating
They scam you. There is a $95 fee to start the card, they decline purchases, and then two weeks later after your first purchase there's a $99 annual fee, which is nonsense. You don't even have the card for two weeks and you give back half of the credit allowance to them. Do not get the card.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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1 Star Rating
Verified CustomerWorst customer service! High annual fees and slow to process payments. There are better options out there if you are trying to rebuild your credit.
Product: FIT™ Platinum Mastercard®
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Continental Finance
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1 Star Rating
Worst credit card ever! Accumulates charges even when you have already closed the account! Worst customer service! Do not get this card.
Product: Verve Credit Card
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Continental Finance
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1 Star Rating
Verified CustomerPaid them on time and they claimed they never received my payments, despite confirmation from my bank that they were paid. I talked to an agent, and they just lied; their English is horrible. I closed the account and paid in full. Horrible company.
Product: Continental Finance Credit Cards
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Continental Finance Q&A(299 questions)
Get answers to your questions about Continental Finance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
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0
UpvotesHow can I log in to my Reflex Mastercard account online?
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Chip Lupo
You can log in to your Reflex® Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.
How to Log In to a Reflex Account
- Go to the Reflex login page.
- Fill out the “Username” and “Password" fields with your credentials.
- Click “LOG IN” to access your account.
After you have logged in, you'll be able to manage your Reflex account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot Username or Password?” on the Continental Finance login page and follow the prompts to reset or retrieve your username or password.
8
UpvotesHow can I log in to my Verve Credit Card account?
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Maria Adams
You can log in to your Verve Credit Card account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.
How to Log In to a Verve Credit Card Account
- Go to the Verve Credit Card login page.
- Fill out the “Username” and “password" fields with your credentials.
- Click “LOG IN” to access your account. ...
0
UpvotesHow can I log in to my FIT Mastercard account online?
Reply
Chip Lupo
You can log in to your FIT™ Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.
How to Log In to a FIT Mastercard Account
- Go to the FIT Mastercard login page.
- Fill out the “Username” and “Password" fields with your credentials.
- Click “LOG IN” to access your account. ...
8
UpvotesHow can I pay my Reflex Credit Card?
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James W Reed
You can make a Reflex® Platinum Mastercard® payment online, by phone, through the CFC mobile app or by mail. To pay a Reflex bill online, log in to your online account and click on "Pay my Bills." Then, choose how much to pay, when to pay it, and where the payment is coming from. Reflex does allow cardholders to set up automatic payments, too.
Ways to Make a Reflex Payment
- Online. Log in to your online account...
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7
UpvotesWhat is the Fit Mastercard credit limit?
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Chip Lupo
The FIT™ Platinum Mastercard® credit limit is $400 or more. Everyone who gets approved for FIT Mastercard is guaranteed a credit limit of at least $400, and the most creditworthy applicants could get much higher limits. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The FIT Mastercard credit limit that you receive when you're approved isn't necessarily permanent. You can ask to get a credit limit increase by calling the customer service number...
2
UpvotesHow can I talk to Verve Credit Card customer service?
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Frieda Reiss
To talk to Verve Credit Card customer service, call 1 (866) 449-4514 and then enter your account number and follow the automated prompts. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Verve Credit Card Customer Service by Phone
- Call the Verve Credit Card customer service department. You can even use the number on the back of your card.
- ...
6
UpvotesHow do I apply for Verve Credit Card?
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Adam McCann
The easiest way to apply for the Verve Credit Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub or by going directly to Verve's website. Alternatively, you can apply by phone.
Keep in mind that the Verve Credit Card is available to people with bad credit or better, which means it's easy to get approved. Also note that applying for the card triggers a hard inquiry, which may temporarily...
1
UpvoteHow do I increase my Reflex Mastercard credit limit?
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Bianca Smith
You can request an increase to your Sunbit credit limit by contacting at 866-449-4514. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Continental Finance has on file. Continental Finance will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
...
0
UpvotesHow do I check my Fit Mastercard application status?
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Chip Lupo
You can check your FIT Mastercard application status by calling 1 (866) 449-4514. When you call, you'll need to provide the required information so that tbom® can match you to your application. tbom does not allow you to check your application status online.
How to Check Your FIT Mastercard Application Status
- Call 1 (866) 449-4514.
- Follow the automated prompts that lead to an application status check or connect with a representative and tell them you'd like to...
7
UpvotesHow do I apply for Cerulean Credit Card?
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Maria Adams
You can only apply for the Cerulean Credit Card if you receive an invitation. If you already have an invitation, then you can use the reservation number to apply online.
Approval requirements are quite lenient, as you can apply for the Cerulean Credit Card even with bad credit. However, there are plenty of other things that will impact your chances of being approved for this card, too. Some other key criteria include your income, existing debt load, number...
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