Just want everyone to read these complaits before applying or using this bank. DO NOT USE A CONTINENTAL FINANCE MASTERCARD- THEY ARE SCAMMERS. What people are saying about this company is so true. Don't use them.

I had a $300 Continental Finance Mastercard. We paid off our account and had a credit of $33.03. We immediately called on Feb 8th to close our account, they charge a rediculously high monthly fee of $12 for having the card so we wanted to be rid of it.
We were told the account was closed and that we should expect a check in the mail in 30-60 days. This seemed like a very long time to me, but since it was only $30 we just waited.
March 19th I receive in the mail, not a check as promised, but a statement showing that a $12 account maintenance fee has been charged to my account and I now have a credit of only $21.03. I call again to find out what the problem is. I spoke to a lady named Kaylee who assured me that the maintenance fee had been credited, the account was closed, and I should received a check in the mail for $33.03.
It is now April 14th. Today I received, not a check as promised, but another statement! This statement did not show the credit of $12 that Kaylee was supposed to have done, but another $12 maintenance fee charged to my account! My current credit was only $9.03. So I called once again, spoke to Jonothan who said that the prior people only put a block on the account and did not complete the process of closing it out. He assured me that he had closed the account, he put in a request to have the two maintenance fees credited, and said I should expect a check in another 30-60 days. That means I will receive a check in June for the credit on my account that I closed in February! He could do nothing to speed up the process and simply apologized for the inconvenience.
While I understand that mistakes sometimes happen, this is just stupid! If the first person in February made a mistake why didn't the person in March fix the issue? This seems more like a scam than a series of mistakes to me.

I would like to know where Continental Finance Credit Company finds the people that work for them. Ever since Septembe my husband has called to change the payment date on his credit card and every month they say that they have no record that we have even called to have the date changed. Every month, even though the account is current , they have charged a late fee and an over the limited fee on the credit card. I don't understand where they get their information on customer credit cards, DO THEY PULL IT OUT OF THE AIR, DON' T THESE PEOPLE POST NOTES ON CUSTOMER ACCOUNTS WEN THEY TALK TO THE CUSTOMERS.

I received the continental finance card and was happy to have been able to receive the card. I made a payment as soon as I could and then found the card was already maxed out. For the next couple months I continued to make payments and found that when I made the minimum payment my account was always over the limit. My husband also got a card and we started getting phone calls every day. My husband took a call from their bill collector and I was busy cooking supper. He told them we did not have the money to make the payment that month. She told him he would be sorry and they made an unauthorized charge to my bank account which bounced the account. My husband had to take money out of his account so mine would not be bounced because our bank would not cover it then they had the gall to call wanting another payment. When my tax money comes back, I will be closing this account and no more payments will be made to this bunch of crooks!

They do want to separate you from your money, however.

I had no problems the first three months, learned the hard way about paying with a check and then started paying with a debit card. Until two months ago, before I even tried to use it, the automated system tells me that the debit card I used prior is not valid. Uh, it worked just fine right before and five minutes after the call. Same thing with my husband's account. That way, you are forced into paying with a check, hence the seven day hold on your funds and bogus fees added.

Another new scam they have going is that when you go online to pay by check, doesn't matter what time it is, it will not allow you to schedule until the next day. In my case, the next day was a Saturday, which is not even a bank business day. They did manage, however, to report to Experian the same day, that my card was overlimit due to their fees they tacked on the same day. I did fax a letter to the Delaware AG, as well as the contact person listed on the BBB site, and I noticed that the fees were reversed and my account closed as I requested.

If you don't have great credit, but not horrible (mid 500s to low 600s), there are much better options out there..Orchard, Merrick, even Tribute Mastercard (who raised me from $300 to $1000 in one year and I have never paid a single overlimit fee/late fee, nor do I get charged for paying online).

Stay as far away from Continental Finance as you can. For the headaches, the $10 a month, and the constant autodialed "reminder" calls, they are not worth it, especially for a card you can't get cash from or use at a gas pump.