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Continental Finance Cerulean Discover® credit card Review
Cashback on groceries
This card compared to other cash back cards
Continental Finance Cerulean Discover® credit card
Cashback on Gas
2% at U.S. gas stations
Cashback on Groceries
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Cashback on other
1% back on other purchases.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
0% on Purchases
for 12 months
11.74% - 23.74% 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:
Balance Transfer Intro Period:
Finance Calculation Method:
Average Daily Balance
Default/Penalty APR Floor:
Foreign Transaction Fee:
Up to $35
Balance Transfer Fee:
Use your card at locations everywhere Discover(R) is accepted. Build positive credit by making monthly payments on time.
Card Issued By:
Services Credit Union
General Correspondence Address:
Maximum Credit Limit:
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!
( 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!
( 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!
( 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.
( 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.
( 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