Continental Finance Reflex Credit Card

The Continental Finance Reflex credit card is a popular choice among consumers seeking to rebuild their credit or simply avoid the bureaucracy present in traditional card issuance.

Available to people with poor to fair credit, this card offers an opportunity to control your finances more practically, being usable anywhere Mastercard is accepted.

If you want the freedom to make installment purchases and the convenience of cashless payments, the Reflex can be a great alternative. Below, you will learn much more about it, including how to apply. Check it out!

About the Issuer

Continental Finance is the company responsible for managing the Reflex credit card, which is issued by Celtic Bank. Known for providing financial solutions to consumers with less-than-perfect credit, Continental Finance offers a range of products aimed at helping rebuild credit.

Founded in 2005, Continental Finance specializes in credit products for subprime consumers. The company is one of the leading providers of unsecured credit cards for consumers with problematic credit histories.

If you are struggling to get approved for other credit cards due to an unfavorable credit history, the Reflex card managed by Continental Finance and issued by Celtic Bank could be a viable option for you.

Benefits

Credit Building: The main benefit of the Continental Finance Reflex credit card is credit building. Continental Finance reports your monthly payments to the three major credit bureaus (Experian, Equifax, and TransUnion). On-time payments help improve your credit score over time.

No Security Deposit: Unlike many cards for people with poor credit, the Reflex does not require a security deposit. This makes the card more accessible for those who cannot afford the upfront cost of a deposit.

Mastercard Protections: Identity theft resolution, fraud protection and 24/7 customer service.

Monthly Credit Score Access: Cardholders have free access to their credit score monthly through the online portal. This helps monitor progress and manage credit better.

Global Acceptance: The Reflex card is accepted anywhere Mastercard is accepted, both in the U.S. and internationally, making it convenient for travel.

Continental Finance Reflex Credit Card – Fees and commissions

The Continental Finance Reflex credit card has a fee structure that includes an annual fee and a maintenance fee, which are quite accessible compared to similar cards, making it a great option for those looking for a hassle-free payment method.

You can check the official fees and charges conveniently through the official Continental Finance website, noting that the company may update the figures at any time in accordance with current legislation.

Card limit

The initial credit limit for the Reflex card ranges from $300 to $1,000, depending on your credit analysis. After six months of responsible use, your limit can be increased, potentially doubling the initial amount.

This limit increase can be a great advantage for those looking to improve their credit score, as it helps maintain a low overall card utilization.

How to apply for Continental Finance Reflex

To apply for your Continental Finance Reflex credit card, follow these steps:

1. Visit the official Reflex Card website;
2. Click on “Apply Now“;
3. Fill out the form with your personal information;
4. Submit the form and wait for the analysis;
5. If approved, receive your card within 3-5 business days;
6. Activate your card online or by phone;
7. Start using it in places that accept Mastercard.

How to contact Capital One

For assistance, you can contact customer service:

• 1-888-673-4755
• 1-866-449-5414

If you are looking for a way to rebuild your credit, the Continental Finance Reflex credit card could be a good option. Apply now and start your journey to better financial health.