Continental Finance Company, LLC

Continental Finance is a consumer finance company that markets and services credit cards designed for consumers with poor or limited credit. Rather than issuing the cards directly, Continental Finance works with bank partners, primarily Celtic Bank and The Bank of Missouri, which are the actual card issuers. Continental manages the marketing, customer service, and servicing of the card programs under brand names including Surge, Reflex, Cerulean, and Matrix.

These cards are unsecured, meaning no security deposit is required, and are available to consumers who may have been declined for cards elsewhere due to a low credit score, past financial difficulties, or a limited credit file. Because these products target higher-risk borrowers, they carry significantly higher costs than cards available to consumers with good or excellent credit. Annual fees, monthly maintenance fees, and high annual percentage rates are common across this category of card.

Consumers considering a Continental Finance-managed card should read the full cardholder agreement carefully before applying. Pay particular attention to all fees that apply in the first year and on an ongoing basis, the annual percentage rate, and the effective available credit after fees are charged. In some cases, fees charged at account opening can consume a meaningful portion of the credit limit.

Report activity is submitted to the major credit bureaus, so on-time payments and responsible use can contribute to building your credit profile over time. Before applying, compare these cards against secured credit cards from credit unions and other issuers, which may offer a lower-cost path to building credit. Read all terms carefully and ensure you understand the full cost before you apply.