Cerulean Credit score Card Evaluate 2023 (Continental Finance Card)


In the event you’re trying to construct or rebuild your credit score, this information will provide help to determine if the Cerulean bank card is the best match on your monetary journey.

This text will present you:

  • Whether or not the Cerulean card is price your time (and cash).
  • Its execs, cons, advantages, and charges.
  • High alternate options.

Learn extra:

Cerulean Credit score Card at a Look

Full title: Cerulean Mastercard bank card

What’s the cardboard good for: Constructing, rebuilding, fixing credit score

Issuer: Financial institution of Missouri

Serviced by: Continental Finance 

Required credit score rating: No credit score rating required to use

What Is the Cerulean Credit score Card from Continental Finance?

The Cerulean Credit score Card (issued by the Financial institution of Missouri and serviced by the Continental Finance) is designed for these trying to set up or rebuild their credit score.

It accepts of us with both unhealthy, broken, or no credit score historical past in any respect.

Cerulean Credit score Card: Total Card Evaluate

Key Cerulean Mastercard Credit score Card Charges & Charges

Now onto these pesky charges:



Annual payment


Month-to-month upkeep payment




APR for money advances


Steadiness switch payment


Money advance payment

$5.00 or 5% (whichever is larger)

Overseas transaction payment


Late payment

As much as $37

Minimal curiosity cost payment


Returned cost payment

As much as $37

Extra card payment

$30 (one time, if relevant)

*The annual payment for some cardholders is $75 for the primary 12 months.

**If billed month-to-month as a substitute of an annual payment.

Cerulean Credit score Card: Professionals & Cons


  • Credit score constructing instrument.
  • Credit score restrict will increase.
  • Studies to credit score bureaus.
  • No safety deposit.
  • Mastercard Zero Legal responsibility Safety.


  • Excessive charges.
  • Restricted advantages.
  • Doable low credit score restrict.
  • Excessive rate of interest.

Professionals—why we prefer it

Credit score constructing instrument

The Cerulean card was designed particularly for these with restricted or broken credit score historical past. It experiences to all three credit score bureaus, and in case you use it responsibly, you may construct credit score quick.

Learn extra:

Credit score restrict will increase

Once more, with accountable card use, you may qualify for credit score restrict will increase as quickly as after six months.

No safety deposit

In distinction to secured bank cards usually really useful for people with poor or no credit score historical past, the Cerulean bank card doesn’t require any upfront deposit to open an account. 

That makes it a extra accessible possibility for credit score rebuilding.

Mastercard Zero Legal responsibility Safety

You may take pleasure in peace of thoughts with this card. If something odd had been to occur, you’d be out of the loop.

Cons—issues to remember

Excessive charges

The charges will rely in your creditworthiness—however the annual payment ranges from $75 within the first 12 months to even $120 within the second 12 months. There are some cheaper alternate options.

Learn extra:

Restricted advantages

Cerulean lacks rewards, cashback, or important perks in comparison with different playing cards. However then once more, who thinks about incomes cashback in the event that they’re centered on constructing credit score, proper?

Doable low credit score restrict

The preliminary credit score restrict might be low, making it much less useful for bigger bills. The beginning restrict is from $300 to $1,000—however the related charges will make it even smaller.

Bear in mind

At all times do not forget that to efficiently construct  credit score rating, it is advisable to spend means lower than 30% of your restrict.

Excessive rate of interest

Carrying a steadiness on the cardboard might trigger you to finish up with excessive curiosity expenses.

What You Have to Know In regards to the Cerulean Mastercard

Cerulean bank card credit score rating wanted

The Cerulean bank card from Continental Finance is designed for purchasers who want some assist fixing up their credit score

To get one, you’ll in all probability want a credit score rating between 550-650 (however different funds like your earnings and money owed matter too). 

In the event you’re sensible with it—pay on time, don’t max it out—utilizing this card can increase your credit score rating over time, opening doorways to extra monetary goodies down the highway.

Software course of

To use for a Cerulean bank card: go to their web site, name 1-866-513-4598, or return the give you obtained within the mail.

In the event you undergo the Cerulean bank card pre-approval course of and get authorized, it doesn’t imply you’ll get the cardboard.

The issuer will do a tough pull in your credit score report and assess completely different features of your monetary scenario to determine whether or not you qualify for the cardboard.

Bear in mind

If you wish to get a bank card ASAP, Continental Finance may not be the best choice for you. A number of on-line reviewers point out they needed to wait a very long time to get their card after being formally authorized for it.

You may test the appliance standing of the Cerulean bank card utilizing the identical particulars you used to use.

Continental Finance customer support

To contact Continental Finance, you may:

  • Go to their web site.
  • Name them on 866-665-7967

(Workplace hours: 8 a.m. to six p.m., Monday by Friday, ET.)

  • Shoot them the old-school mail on the Continental Finance deal with:

Cerulean Card

P.O. Field 3220

Buffalo, NY 14240-3220

Cerulean Buyer Service Critiques Discovered On-line

Out of three,219 buyer evaluations on Trustpilot, solely 71 had been one-star. 

Listed here are a few of them—

“I known as thrice right now as a result of they froze my card for no matter motive. I known as to see why that was & the primary man pretended he didn’t hear me say my title thrice, so he hung up, so I known as again once more & one other man answered & mentioned I wanted to name again in 23 minutes as a result of he didn’t have anybody to help me? Then why did you reply the telephone? What sort of service?”

“I spoke with somebody on the telephone twice about attempting to register to make funds on the cellular app. I used to be referred to IT each instances I used to be informed somebody would name me again with directions. I’ve been ready for about 4 days now.”

“I utilized for the Cerulean card by Credit score Karma and was authorized for 1,000. To this point, nonetheless no card nor no new account added to my credit score. However they’ve my private info.”

However then, there are 3,000 evaluations like these—

“I used to be having issues getting registered and spoke with Michelle, who not solely efficiently helped me get registered, however she was tremendous pleasant, skilled, and personable.”

“The agent was superior! He was understanding of my scenario and helped me get caught up on my invoice. This was my first expertise with customer support, as I normally handle my funds on the app. 

I’m past glad with the service, the professionalism, and the personable remedy I acquired, even though I used to be late.”

Options: How Does Cerulean Card Examine to Different Credit score Playing cards for Unhealthy Credit score?

Be taught extra concerning the FIT card by studying our sincere FIT bank card evaluate.

Want much more choices? Try these playing cards—

Reflex® Platinum Mastercard®

  • Annual payment: $60–$120
  • APR: 29.99%
  • Beginning restrict: $300–$1,000
  • Exhausting inquiry: Sure

Be taught extra concerning the Reflex card by studying our detailed Reflex® Platinum Mastercard® evaluate.

Verve bank card

  • Annual payment: $99
  • APR: 25.90%–29.99%
  • Beginning restrict: As much as $1,000
  • Exhausting inquiry: Sure

Learn extra:

Cerulean Credit score Card: Helpful Hyperlinks

Is the Cerulean Credit score Card Good for Me?

To determine if the Cerulean Credit score Card vibes along with your scenario, ask your self these questions:

  1. Do you primarily need to enhance your credit score rating?
  2. Are you cool with the annual payment and different prices tied to this card?
  3. Are you okay with no rewards or cashback so long as your credit score will get higher?
  4. Would you fairly have a secured card with a deposit, or do you want that Cerulean doesn’t want one?
  5. Are you able to keep on observe with funds and keep away from excessive curiosity expenses by paying your card in full every month?

Bear in mind

Your solutions will provide help to determine if the Cerulean Credit score Card is your go-to card for reaching your monetary objectives.


What credit score rating do you want for Continental Finance?

Continental Finance playing cards normally cater to individuals with compromised or restricted credit score. No precise credit score rating is required, as they aim a variety of profiles. 

With that, all the time keep in mind they normally supply playing cards with annual charges and excessive rates of interest.

Discover ways to improve your credit score rating quick and apply for a higher bank card

If you wish to skip forking out lots of of {dollars}, first test what’s  credit score rating and check out constructing your rating with out a bank card.

What’s the most restrict on the Cerulean bank card?

The utmost bank card restrict on the Cerulean Mastercard is $2,000. 

There are evaluations on-line stating that it’s exhausting to get it, although, so be extraordinarily cautious with accountable card utilization (making funds on time and so forth).

In the event you want a much bigger credit score restrict, try the way to improve your credit score rating quick and apply for higher bank cards.

What credit score rating is required for a Cerulean bank card?

The cardboard is for people aiming to construct or repair their credit score, so it’s cool with restricted or not-so-great credit score scores.

What financial institution owns the Cerulean bank card?

Continental Finance points the Cerulean bank card, however it’s serviced by the Financial institution of Missouri. They’re like a workforce.

Try evaluations of bank cards for spotty credit issued by Continental Finance:

What’s the annual payment for the Cerulean bank card?

The annual payment varies based mostly in your creditworthiness. Test the cardboard phrases and circumstances upon approval for the precise quantity, however it ought to be between $99 and $120.

As soon as enhancing your credit score rating, try some bank cards with no annual payment.

How do I contact Cerulean bank card?

Strive the customer support quantity on the again of your card or go to the Continental Finance web site (continentalfinance.internet/single_card_info.php?alternative=ceruleanCard) for contact particulars or on-line assist.

How do I test the standing of my Cerulean card?

Attain out to Cerulean customer support to ask about your utility or present card standing. Continental Finance’s telephone quantity is 866-665-7967.

How lengthy does it take to obtain the Cerulean bank card?

Usually, it might take seven to 10 enterprise days after approval for the cardboard to reach. If it takes longer, think about contacting customer support.

Beware, although—on-line reviewers declare that it takes ages to obtain the cardboard.


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