The Continental Finance Reflex credit card is an option with easy approval, even for those with a poor credit history. Issued under the Mastercard brand, you can use it securely wherever you want, whether in physical or online stores.
Additionally, with an initial limit that can double in a short time, this card provides financial flexibility that makes it an attractive choice for many, especially those looking to avoid excessive bureaucracy.
If you are looking for a way to manage your finances while working to increase your credit score, this card could be the ideal solution. Keep reading to learn all about it, including how to apply!
About the Issuer
The Reflex Platinum credit card is issued by Celtic Bank in partnership with Continental Finance, a company specialized in offering credit solutions for subprime consumers.
Celtic Bank, founded in 2001, is a financial institution based in Salt Lake City, Utah, known for providing a wide range of banking products, including credit cards, business loans, and financing solutions.
The partnership between Celtic Bank and Continental Finance aims to make the Reflex Platinum available to customers who want to rebuild or improve their credit history. This collaboration combines Celtic Bank’s financial sector expertise with Continental Finance’s mission to offer accessible products to consumers with limited credit.
Benefits
Easy Approval: The Continental Finance Reflex is known for being accessible even to those with limited or negative credit history. Continental Finance designs this card specifically for subprime consumers, meaning that approval may be easier compared to other traditional credit cards. This factor is crucial for those trying to rebuild their credit, as the Reflex Platinum offers a real opportunity to reintegrate into the credit system.
Automatic Credit Limit Increase: One of the biggest advantages of the Continental Finance Reflex is the ability to double your credit limit in just six months of responsible use. This means that by keeping payments on time and using the card wisely, you can start with an initial limit of up to $1,000 and see it grow to $2,000 in a short period. This benefit not only offers greater purchasing power but also helps improve your credit score, as the limit increase reduces credit utilization.
Credit Score Access: The Continental Finance Reflex Mastercard offers cardholders free access to their monthly credit score. This benefit is particularly useful for those focused on improving their score, as it allows them to monitor their progress over time. Regular viewing of the credit score helps keep track of financial health and make adjustments as needed.
Fraud Protection: As part of the Mastercard network, the Continental Finance Reflex credit card offers robust fraud protection. This means that in case of unauthorized use of your card, you will not be held responsible for the fraudulent transactions. This level of security is essential to protect your finances and ensure that you can use the card with peace of mind.
Global Acceptance: Being a Mastercard, the card is widely accepted at millions of establishments worldwide. This provides great flexibility for users who need a credit card that works both locally and internationally.
Continental Finance Reflex Credit Card – Fees and commissions
The Continental Finance Reflex credit card has an introductory fee of $75 for a credit limit of up to $300, increasing to $99 in subsequent years. For credit limits of $1,000, $750, or $500, this fee is $125, charged annually.
The APR for purchases is 35.90%, and these terms may be updated by Continental Finance. Therefore, we recommend that you check the current fees directly on the official card website.
Card limit
The credit limit of the Continental Finance Reflex varies between $300 and $1,000, depending on the initial credit analysis. After six months of responsible use, this limit can automatically double, offering greater purchasing power and financial flexibility.
This limit increase is one of the card’s main attractions, encouraging conscious and planned use. After establishing a good credit profile, you become eligible for higher limit cards.
Positive points
- Easy Approval:Ideal for those with a poor credit history.
- Limit Increase:The card limit can double in six months.
- Credit Score Access:View your credit score monthly for free.
Negative points
- High Fees:Annual and maintenance fees are applied.
- High APR:An interest rate of 35.90% is considered high.
- No Rewards Program:The card does not offer rewards on purchases.
How to apply for Continental Finance Reflex Credit Card
Applying for the Continental Finance Reflex credit card is simple and quick. Follow the steps below:
- Access the official Continental Finance website;
- Select the Reflex card from the available options and click “Apply now” on the next page;
- Fill in the available fields on the application form and review the terms;
- Submit your application for review;
- Wait for approval and receive the card;
- Activate the card online or by phone;
- Start using the card to build your credit.
How to contact Continental Finance
To contact Continental Finance or obtain more information about the Continental Finance Reflex credit card, use the following channels:
- Phone: 1 866 449 4514
- Official Website: Visit the Continental Finance website to clear your doubts.
If you are ready to take control of your credit and explore the benefits of the Continental Finance Reflex credit card apply for yours now and start transforming your financial future!
