Frequently Asked Questions

General Credit Card Questions

  1. Who is Continental Finance
  2. How do I contact you?
  3. Can I send you an e-mail with a question about my account?
  4. Can I earn rewards on my Continental Finance Credit Card?
  5. What is the current U.S. Prime Rate?

Applying for a Credit Card

  1. How do I apply for a Continental Finance credit card?
  2. What information does Continental Finance require when I apply for a credit card?
  3. Why do you need my personal information for my credit card application?
  4. Do I need to complete all the information on my credit card application?
  5. Why can't I use a P.O. Box as an address on my credit card application?
  6. Can I apply over the phone for a credit card?
  7. Can I apply for a credit card with a co-applicant?
  8. How long does it take to decision my application?
  9. Do you share the contact information on my credit card application with other companies?

After Applying

  1. When will I receive my new credit card?
  2. What will my credit limit be?
  3. Can I activate my new credit card online?
  4. How long do I have to activate my new credit card?
  5. What will my annual percentage rate be?
  6. Can I add someone to my credit card account?
  7. Where do I send my payments?
  8. Are there other ways I can make payments?
  9. Who do I contact about traveling out of the country?

Online Account Access

  1. Can I manage my credit card account online?
  2. How much does it cost to view my transaction activity online?
  3. Who do I contact if I have an issue with an item within my online transaction activity?
  4. If I use the Online Banking service, will I still get a paper statement in the mail?
  5. How do I view my Statement information?

Credit Protection

  1. What is Credit Protection?
  2. What benefits does Credit Protection offer?
  3. How do I request Program benefits?
  4. What are the requirements when requesting activation of Program benefits?
  5. How will the monthly Program charge be billed?
  6. How soon after I enroll can I request benefits under this Program?
  7. After I enroll in the Program, can I terminate my participation?

Security and Privacy

  1. What does Continental Finance do to protect the personal information sent in my application over the Internet?
  2. Can anyone other than the cardholder view statements or make bill payments?
  3. What if my credit card gets lost or stolen?
  4. If my card is lost or stolen, how can I make sure that I don't get stuck with unauthorized charges on my bill?
  5. What if I want to dispute a charge on my statement?
 

General Credit Card Questions

Who is Continental Finance?

Founded in 2005, Continental Finance Company (“CFC”) is one of America's leading originators of credit cards for consumers with less-than-perfect credit. The company specializes in providing credit products and services to consumers who are largely overlooked by traditional credit card issuers and local banks. As a consumer finance company, with a state of the art consumer lending platform, we are able to provide a variety of services to our customers when other financial institutions will not accommodate them. Since the Company’s founding, CFC has prided itself on its corporate responsibility to its customers in terms of a strong customer support program, fair treatment, and responsible lending.

How do I contact you?

Click on the 'Contact Us' link at the bottom of most pages throughout the website for a listing of our Telephone Numbers and Mailing Addresses.

Can I send you an e-mail with a question about my account?

No. For your security and in order to protect your account information, we advise against sending us unsecure emails.

Can I earn rewards on my Continental Finance Credit Card?

At this time earning cash rewards is not available on your Continental Finance Credit Card.

What is the current U.S. Prime Rate?

If the Annual Percentage Rate for your credit card account is variable and based on the U.S. Prime Rate, we use the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If The Wall Street Journal is not published on that day, then the U.S. Prime Rate on the next business day will be used. If the U.S Prime Rate changes, the new rate will take effect on the first day of the following month.

Applying for a Credit Card

How do I apply for a Continental Finance credit card?

You may apply online right from our website or return a pre-approved offer that you received in the mail; application requests are decisioned depending upon the laws of the state in which you reside.

What information does Continental Finance require when I apply for a credit card?

You'll need to provide personal information, including your:

  1. Full name
  2. Social Security number
  3. Date of birth
  4. Physical address (No P.O. Box)
  5. Estimated gross annual income

Why do you need my personal information for my credit card application?

We need your personal information for two reasons:

  1. Federal law requires us to obtain, verify and record information that identifies each person who applies for a card account. As a result, your personal information is required and used for identification purposes.
  2. We use your personal information, like Social Security number, to pull your credit bureau data, which in turn is used with other information like annual income to process your application.

Do I need to complete all the information on my credit card application?

Yes. We need all of the information to make an informed decision on a customer’s credit worthiness and to assess risk.

Why can't I use a P.O. Box as an address on my credit card application?

We need a physical address in order to process your application.

Can I apply over the phone for a credit card?

Currently, we are only accepting applications online or by mail in response to a direct mail solicitation.

Can I apply for a credit card with a co-applicant?

No, we do not offer the option for co-applicants at this time, but you may add an authorized user during the application process or anytime after your account is opened.

How long does it take to decision my application?

In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision which could take up to 7-10 days.

Do you share the contact information on my credit card application with other companies?

Continental Finance takes our commitment to protecting your privacy seriously. Please see our Privacy Policy for more information.

After Applying

When will I receive my new credit card?

If you're approved and you fully fund any security deposit (if applicable), we will mail your Continental Finance credit card, credit limit information and welcome materials within 3 business days.

What will my credit limit be?

Upon approval, we will grant you a credit limit of $300. In some cases, you may be required to provide a security deposit to qualify for a credit card.

Can I activate my new credit card online?

No. To ensure your security, new cards can only be activated over the phone. Call from your home telephone number to the toll-free activation number printed on the sticker affixed to your new card within 30 days after you receive your card in the mail.

How long do I have to activate my new credit card?

You have 30 days to activate your credit card. If you do not activate you credit card in that timeframe your credit card will automatically be closed and you will be unable to use your new credit card for purchases or other transactions.

What will my annual percentage rate be?

Please see the Terms and Conditions page for your APR information.

Can I add someone to my credit card account?

Yes. Simply call the Customer Service phone number on the back of your card. Please note that to add an authorized user to your account; you must be the primary cardholder and fees may apply, where permitted by state law.

Where do I send my payments?

Please send any credit card payments via regular mail to the address shown on the Contact Us page. Please include your credit card account number on your check.

Are there other ways I can make payments?

Yes. You can pay your bill online using the website identified on the Contact Us page.

Who do I contact about traveling out of the country?

Before you travel, contact Customer Service at the number shown on the Contact Us page. Please have the following information handy:

Online Account Access

Can I manage my credit card account online?

Yes. You will be able to enroll in our Online Banking service to do all of the following and more:

How much does it cost to view my transaction activity online?

The Online Banking website is a free service provided to you as a feature of your credit card.

Who do I contact if I have an issue with an item within my online transaction activity?

If you have questions about charges to your account, transactions on your account or any other account information displayed on the Online Banking site, please call at the number shown on the Contact Us page. This number is also available after you sign in.

If I use the Online Banking service, will I still get a paper statement in the mail?

Yes, you will continue to receive a paper statement unless you change your statement delivery method to receive online statements only. It may take up to 72 hours to process a statement delivery method change. Cardholders who receive online statements only are not billed the $4.95 Monthly Paper Statement Fee.

How do I view my Statement information?

Log-in to the Online Banking site and select the Statements option. Cardholders must choose to receive online statements as one of your statement delivery methods in order to view your statements online.

Credit Protection

What is Credit Protection?

Credit Protection is an optional debt cancellation program offered with Continental Finance credit card accounts.

What benefits does Credit Protection offer?

In the event of job loss, disability, and/or hospitalization, the Credit Protection Program covers up to six (6) months of payments for the primary cardholder and cancels the full balance in the event of death (the lesser of the outstanding account balance on the date of death or $5,000).

How do I request Program benefits?

To activate your benefits, call the Benefit Administrator toll-free at 1-866-665-7967, 8:00am to 9:00pm ET, Monday through Friday and 8:00am until 12:00pm ET, on Saturday, except on holidays. Correspondence may be sent to: Benefit Administrator, P.O. Box 43297, Jacksonville, FL 32203.

What are the requirements when requesting activation of Program benefits?

You must: a) qualify for the benefit based on the criteria in the Credit Protection Program Agreement; and, b) complete and supply the Benefit Administrator with any verification information/forms they may request from you.

How will the monthly Program charge be billed?

The monthly Program charge is billed to your account and will be shown on your monthly statement. The charge is based on your outstanding balance multiplied by $1.49 per $100 of outstanding balance.

How soon after I enroll can I request benefits under this Program?

For job loss, disability, hospitalization and/or loss of life, you must be enrolled in the Continental Credit Protection program for 30 days before this Protected Event may be activated.

After I enroll in the Program, can I terminate my participation?

Yes. You may terminate your enrollment at any time. Additionally, if you are not completely satisfied with all the benefits, limitations and exclusions, and you cancel within thirty (30) calendar days of your enrollment date, we will credit your account for any Credit Protection charges you have paid.

Security & Privacy

What does Continental Finance do to protect the personal information sent in my application over the Internet?

We are committed to providing secure Internet service through security and encryption technology. We use advanced encryption techniques, including Secure Socket Layer technology, to protect the information you provide to us over the Internet. You can tell that the session is secure when you see a locked padlock displayed at the bottom of most browser windows. Since all of the information being passed through this secured site is encrypted, only we can decipher the application information.

Can anyone other than the cardholder view statements or make bill payments?

Using the unique, secure log-in and password established at application, cardholders can enter the site, view their own account information and make payments on their own, individual account. For quality assurance, customer service or account maintenance purposes, Continental Finance Company, LLC and its employees and agents may also access your account information through this website.

What if my credit card gets lost or stolen?

If you have a missing credit card, report it immediately to our 24-hour Customer Service number located on the Contact Us page. This number is also printed on your monthly statements. We will cancel your card and send you a new one.

If my card is lost or stolen, how can I make sure that I don't get stuck with unauthorized charges on my bill?

We guarantee $0 Fraud Liability if your card is lost or stolen and used without your authorization. If you suspect your card has been stolen you should call us right away at the number shown on the Contact Us page.

What if I want to dispute a charge on my statement?

If you have a problem with the quality of property or services that you have purchased with your credit card; and you have tried in good faith to correct the problem with the merchant, call us at the number shown on the Contact Us page.