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Credit Card Reviews » Continental Finance MasterCard® |
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In-Depth Credit Card Review: |
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The Continental Finance MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance.
The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus.
This card has an above average APR of 19.92%, and it has an average annual fee of $49. It also charges a monthly maintenance fee of $10 ($120 per year). There is a one-time account set-up fee of $99 and a one-time program participation fee of $89. This means that the total amount of fees that a cardholder can expect to pay in the first year will be $357.
Cardholders will also receive free online access, excellent online tools for managing their finances, and semi-annual credit limit increases.
Therefore, those who want a second chance with their credit, do not mind paying the various fees, and would prefer an unsecured credit card may find the Continental Finance MasterCard® to be beneficial.
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| (Review Updated: June 10, 2008) |
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n/a Intro APR (* see notes for details)
19.92% Regular Fixed APR for Purchases
19.92% Regular Fixed APR for Cash Advances |
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$50 Annual Fee
20 days Grace Period / Bad Credit OK |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $30 |
| Late Payment Fee: $35 |
| Over-The-Limit Fee: $35 |
| Cash Advance Fee: 3%, $5 minimum |
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| Minimum Credit Limit: $300 |
| Maximum Credit Limit: $2,000 |
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| Type of Reward: None |
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| Additional Features for Continental Finance MasterCard®: |
Various Internet account related services.
Access to semi-annual credit limit increases.
See website for additional benefits. |
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| Important Notes for Continental Finance MasterCard®: |
*See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Continental Finance MasterCard® was updated on June 10, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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