"The Card That Gives You BAD Credit!"

Continental Finance Gold MasterCard® Review
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Written by: rwalt76 on 2008-07-11

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rwalt76's review: Callout Comment Like most of us, I needed a credit card in my wallet to rent a car, order online, basic stuff. I do not have the greatest credit, but I am a responsible spender and pretty good with money. I recv'd this card after getting an email offer stating 9.75% interest FIXED (this means the interest will never go up as long as you have the account.) To make a long story short, I got my car with a $300 credit limit. They automatically hit yu with several upfront fees, so before you even sign the card, you owe them almost $200! That means that small limit of $300 just got smaller. I paid the card off via online account, although they never mention it costs $7.95 to pay the payment to the card. They don't charge you right away, they add this to your balance. So if you were to say charged the card to $299.00 and then go online to make a payment for the minimum, say $25.00, then you end up over limit which will give you a great $35.00 overlimit fee + servoce charges. If you need a card, DO NOT APPLY FOR THIS ONE!!! I called their own customer service # to CLOSE  my account, and was hung up on twice, disconnected twice, and then finally after 33 minutes of speaking with a foreign outsourced rep. Who had such a strong indian accent, I wasn't sure he was real, they tried several times to get me to make a payment, and then keep the card. It is in my own opinion, that this company is one of the WORST you could ask for...STAY AWAY!!! FAR FAR FAR AWAY!!!


Comment 1 by brian23
Agreed.... User Icon on 2008-07-11

Remarks Good for you, I had this card for 2 years until I gratuated to some better ones that don't overcharge you. Let them go, try Hooters, Best Buy MC or Capital One. They wont overcharge you like this.
Comment 2 by wildrage2
No Problems User Icon on 2008-07-11

Remarks I've had this card for almost 10 months how. I wouldn't recommend it because it has the most fees, however, I haven't had any problems with them. My interactions with customer service have been very positive, and they've been reporting positively for the past 10 months, on time and accurate.
Comment 3 by hjm331
RE: Rwalt User Icon on 2008-07-11

Remarks Secured cards are better investments. You pay the same amount of money but you get it back within a year or so as long as you maintain a positive payment history with the bank.
Comment 4 by dee
They Really Suck User Icon on 2008-07-11

Remarks I had the same problem with this card and been trying to fight it for over a year.
Comment 5 by meya
Wow User Icon on 2008-07-11

Remarks Just forget about them and get with the real peoples like cap1 and I hate to say it but, Orcahrd is cool but just don't expect to see good cli's
Comment 6 by keys
Agree User Icon on 2008-07-11

Remarks I applied for this card before I found this site because I didn't think I could do any better, but thanks to everyone here on FG, I found better cards so I canceled this the day the card came. Their fees are ridiculous.
Comment 7 by mrrob
Good For You User Icon on 2008-07-11

Remarks I avoid these type of cards like the plague. My FICO's were terrible but good enough to get 2 HSBC cards (they don't charge the fees) and also the hooters card. The fees that this card requires is outrageous. Good for you that you dropped the card

Comment 8 by wildrage2
Back To Basics.... User Icon on 2008-07-11

Remarks You guys are all preaching Capital One and HSBC, but fail to recognize that both of them require a 550 + FICO. There are people out there that simply don't qualify for those cards, and believe it or not, secured cards either.

These cards exist because there is a demand for them - if there wasn't, they'd go out of business.
Comment 9 by yoyo11
All I Can Say Is User Icon on 2008-07-11

Remarks Wow...
Comment 10 by mrrob
FICOS Were Low User Icon on 2008-07-11

Remarks Wildrage2 my FICOs were not that high and I was approved for the Orchard card.
Comment 11 by wildrage2
Well... User Icon on 2008-07-12

Remarks I had a 610 and was denied by Orchard the first time. I was also denied a CITI secured acount.

Empirical statements bother me.

This is a perfect card for people in certain credit situations. In some situations, secured cards are either not an option, the effective, or out of the question. I never actually needed Continental, but I'm sure some do.
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