Home Debt Free Cerulean Credit score Card Evaluation 2023 (Continental Finance Card)

Cerulean Credit score Card Evaluation 2023 (Continental Finance Card)

Cerulean Credit score Card Evaluation 2023 (Continental Finance Card)


Should you’re seeking to construct or rebuild your credit score, this information will allow you to resolve if the Cerulean bank card is the suitable match on your monetary journey.

This text will present you:

  • Whether or not the Cerulean card is value your time (and cash).
  • Its professionals, cons, advantages, and costs.
  • 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 seeking to set up or rebuild their credit score.

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

Cerulean Credit score Card: General Card Evaluation

Key Cerulean Mastercard Credit score Card Charges & Charges

Now onto these pesky charges:



Annual charge


Month-to-month upkeep charge




APR for money advances


Steadiness switch charge


Money advance charge

$5.00 or 5% (whichever is larger)

International transaction charge


Late charge

As much as $37

Minimal curiosity cost charge


Returned fee charge

As much as $37

Extra card charge

$30 (one time, if relevant)

*The annual charge for some cardholders is $75 for the primary yr.

**If billed month-to-month as an alternative of an annual charge.

Cerulean Credit score Card: Execs & Cons


  • Credit score constructing instrument.
  • Credit score restrict will increase.
  • Reviews 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.

Execs—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 stories to all three credit score bureaus, and if you happen to use it responsibly, you possibly can construct credit score quick.

Learn extra:

Credit score restrict will increase

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

No safety deposit

In distinction to secured bank cards usually really helpful 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 get pleasure from peace of thoughts with this card. If something odd have been to occur, you’d be out of the loop.

Cons—issues to bear in mind

Excessive charges

The charges will rely in your creditworthiness—however the annual charge ranges from $75 within the first yr to even $120 within the second yr. 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

All the time do not forget that to efficiently construct  credit score rating, you’ll want 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 prices.

What You Must 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 revenue and money owed matter too). 

Should 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 street.

Utility course of

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

Should 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 points of your monetary state of affairs to resolve whether or not you qualify for the cardboard.

Bear in mind

If you wish to get a bank card ASAP, Continental Finance won’t be the best choice for you. Numerous 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 applying standing of the Cerulean bank card utilizing the identical particulars you used to use.

Continental Finance customer support

To contact Continental Finance, you possibly can:

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

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

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

Cerulean Card

P.O. Field 3220

Buffalo, NY 14240-3220

Cerulean Buyer Service Evaluations Discovered On-line

Out of three,219 buyer opinions on Trustpilot, solely 71 have been one-star. 

Listed below are a few of them—

“I known as thrice at present as a result of they froze my card for no matter cause. 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 making an attempt to register to make funds on the cell app. I used to be referred to IT each instances I used to be advised somebody would name me again with directions. I’ve been ready for about 4 days now.”

“I utilized for the Cerulean card via Credit score Karma and was authorized for 1,000. Up to now, nonetheless no card nor no new account added to my credit score. However they’ve my private data.”

However then, there are 3,000 opinions 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 state of affairs and helped me get caught up on my invoice. This was my first expertise with customer support, as I often deal with my funds on the app. 

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

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

Study extra in regards to the FIT card by studying our trustworthy FIT bank card evaluate.

Want much more choices? Try these playing cards—

Reflex® Platinum Mastercard®

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

Study extra in regards to the Reflex card by studying our detailed Reflex® Platinum Mastercard® evaluate.

Verve bank card

  • Annual charge: $99
  • APR: 25.90%–29.99%
  • Beginning restrict: As much as $1,000
  • Arduous 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 together with your state of affairs, ask your self these questions:

  1. Do you primarily wish to enhance your credit score rating?
  2. Are you cool with the annual charge 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 reasonably have a secured card with a deposit, or do you want that Cerulean doesn’t want one?
  5. Are you able to keep on monitor with funds and keep away from excessive curiosity prices by paying your card in full every month?

Bear in mind

Your solutions will allow you to resolve 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 often cater to folks with compromised or restricted credit score. No precise credit score rating is required, as they aim a variety of profiles. 

With that, at all times bear in mind they often supply playing cards with annual charges and excessive rates of interest.

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

If you wish to skip forking out a whole bunch of {dollars}, first test what’s  credit score rating and check out constructing your rating with no 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 opinions 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).

Should you want an even bigger credit score restrict, take a look at the best way to enhance 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 folk 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 opinions of bank cards for adverse credit issued by Continental Finance:

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

The annual charge varies based mostly in your creditworthiness. Examine the cardboard phrases and situations upon approval for the precise quantity, however it must be between $99 and $120.

As soon as enhancing your credit score rating, take a look at some bank cards with no annual charge.

How do I contact Cerulean bank card?

Attempt the customer support quantity on the again of your card or go to the Continental Finance web site (continentalfinance.web/single_card_info.php?selection=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 software 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 could take seven to 10 enterprise days after approval for the cardboard to reach. If it takes longer, take into account contacting customer support.

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



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