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About Our Ratings
Credit Needed
Limited

Continental Finance Cerulean Discover® credit card Review

Top Features

Cashback on Gas
N/A
Cashback on groceries
N/A
Cashback on other
N/A
Annual Fee
$75

This card compared to other cash back cards

Card Name
Continental Finance Cerulean Discover® credit card
Cashback on Gas
N/A
Unlimited 1.5% cash back
1%
Cashback on Groceries
N/A
Unlimited 1.5% cash back
1%
Cashback on other
N/A
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
29.99% Variable 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
This card is for consumers with poor or limited credit who want to build positive credit by making monthly payments on time.
CardRatings.com Editorial Staff

Continental Finance Cerulean Discover® credit card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
29.99% Variable
Annual Fee:
$75
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 N/A
 Prime
Margin:
 26.74
 N/A
 26.74
APR:
  29.99% Variable
 N/A
 29.99% Variable
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 N/A
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 N/A

Credit Card Fee Information:


Annual Fee:
 $75
Foreign Transaction Fee:
 3%
Late Fee:
 Up to $35
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
N/A  


Notes:

Rebate Description:
 N/A
Special Notes:
 The card is not available to residents of: Connecticut, Georgia, Hawaii, Massachusetts, Minnesota, Montana, North Carolina, South Carolina, Washington, West Virginia and Wyoming and the District of Columbia. If your residence changes while you have an account and you reside in one of the listed states your account will be closed. You will be responsible for your account balance, fees and interest due on your account in accordance with the agreement. Residents of all other states are eligible to receive a card.
Credit Card More Information:

Card Issued By:
 Services Credit Union
General Correspondence Address:
 
Card Type:
 Discover
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 N/A
Credit Limit Notes:
 

What Services Credit Union says about this card

  • Use your card at locations everywhere Discover(R) is accepted.
  • Make low monthly payments on all your card purchases!
  • Poor Credit? No Credit? No Problem!

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    margerette Simmons ( Feb 15, 2013 at 12:24 pm)

    I received a credit card from Cerulean in January and they sent me a email to set up an account on line. I set up an account. Haven't paid the 75.00 yet, so Capitol One sent me an credit card account with a better deal (1/2 the amount). Jan 24, 2012 I cancelled their card without breaking the ceal are using it. Jan 25, 2012 they garnished my bank for 75.00. I called Jan 29 to ask why they took 75.00 out of my account, they said if you wouldn't of given us the information we wouldn't have taken it. refund disclosure, states we will refund your initial fees if you have not used your card for a purchase or cash advance & you notify us w/in 60 days of opening your account that you wish to close your account. I talked to the manager by the name of Peggy that refused to give her last name, said she has cancelled the card and will sent the refund in 30-60 days. I told her I was going to call better business bureau. She stated she has done no wrong and do what you have to do. I went to my bank institution put in a refund & explained what happened. Wells Fargo said they are suppose to return your money in 7-10 business day. After 30 days I am going to file with better business bureau of their unauthordox business procedures. They took out money that they should not have breaking their contract. I was told to cut the card up after I cancelled it but they took money out of my account, then got rude afterwards. Don't get a card from this company, they would garnish money at will. Be careful!


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    unhappy ( Dec 22, 2012 at 12:35 am)

    This card is not for me!They call and bug you for payment! I for one would not get this card the csr's are total jerks!


  3. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Patrick ( Dec 7, 2012 at 9:52 pm)

    Sounds to me that "Enid" doesn't have a very good attitude. Yes when you activate the card they ask you to make a payment of at least $35 to cover the first months payment and to free up your available credit but that is a courtesy! They want to help you establish positive payment history immediately, free up avail credit and already have your first month payment taken care of. It can't do anything but help. I personally believe this is a great company to build credit with and have received excellent service thus far.


  4. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Anonymous ( Oct 15, 2012 at 10:48 am)

    I found my experience to be quite different than that of a previous writer. The customer service rep was very courteous upon my activation call. He did ask me to make a payment to cover my annual fee because that would free up my total credit line. Once I understood that I was happy to do so. I also received a call before my due date but thought this was a very nice touch. I am trying to rebuild my credit and having a little reminder to make my payment on time is a nice perk. This seems like a company that wants to help you get your credit back on track; especially when noone else will extend you credit. Kudos to them.


  5. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Enid ( Sep 18, 2012 at 11:16 am)

    This company is a joke, I recieved this card to establish my credit. When you call to activate your they ask that you pay the annual fee ahead of time, even without seeing a statement. I of course declined and knew that I would pay it when I see the statement. Then they explain to you they charge you for paper statements. A ridiculous fee I might add!! On top of that a day before my due date They call not once but twice without leaving a message. You call them back and they explain that it is just a courtesy call to advise your payment is coming up. Unbelieveable!!!! Not that its due or past due, but CALL YOU TO MAKE YOUR PAYMENT BEFORE ITS EVEN DUE! They are ridiculous do not get this card!!!!!!!!!DO NOT APPLY


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  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
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Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good