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The Continental Finance Gold MasterCard® issued by First Bank of Delaware. This is a credit card designed for those with poor or limited credit who would like a second chance to get an unsecured credit card.
The main benefit of this unsecured credit card is its low purchases APR of 9.75%, which is very rare for card of this category. However, you'll get a much higher purchases APR of 19.92% if you are approved
for the classic card instead.Based on your credit worthiness, if approved, you will receive a Gold Card or a Classic Card. Continental Finance offers a “Gold Card” that has a Credit Limit of $300.00 with an initial available credit of $75.00 and a “Classic Card” that has a Credit Limit of $300.00 with an initial available credit of $50.00. The Account for which you qualify, if any, depends on whether you meet the credit eligibility requirements that Continental Finance has established for each type of Account. You will first be considered for the Continental Finance Gold MasterCard. If you do not qualify for the Gold Card, then Continental Finance will consider you for the Continental Finance Classic MasterCard. However, it is possible that you may not qualify for either offer. It is common for this type of card to charge various fees such as an annual fee, an account set-up fee, a program fee, and a monthly maintenance fee. For Continental Finance Gold MasterCard, the fees involved are based on the account you're approved for. For the Continental Finance Gold MasterCard with credit limit of $300.00, when your card is approved, you will have $75.00 of credit available for use after the $50 Annual Fee and one time Account Processing fee of $175.00 are charged to your account. There is also a monthly participation fee of $12 ($144 per year). However, the monthly participation fee is waived for the first month. For the Continental Finance Classic MasterCard with credit limit of $300.00, when your card is approved, you will have $50.00 of credit available for use after the $50 Annual Fee and one time Account Processing fee of $175.00 are charged to your account. There is also a monthly participation fee of $12 ($144 per year). However, the monthly participation fee is waived for the first month. Your Account will be reviewed periodically for a Credit Limit increase. You can qualify for Credit Limit increases, beginning with the sixth month your Account is open by satisfying our credit criteria at that time, which may include criteria such as your record of timely payments and staying within your Credit Limit. After the first Credit Limit increase, you can receive additional increases as often as every one hundred eighty (180) days. Each Credit Limit increase will be $75.00, subject to a maximum Credit Limit of $2,000.00. At the time of each Credit Limit increase, a $25.00 Credit Limit Increase Fee will be charged to your Account. This Credit Limit Increase Fee is considered a setback when compares to other unsecured credit cards that do not charge this fee. Another benefit of this card is that it reports to credit bureaus monthly. Overall, if you've a bad credit credit rating, looking for an unsecured credit card, and do not mind paying the various fees, this card may be a reasonable option. *See website for other fees, rates, and terms and conditions. 
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Bad Credit? No Credit? Bankruptcy? Get a second chance with Continental Finance. The credit opportunity is yours - even if you have bad credit!
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Cardholders Comment/Review/Rating "Get one now if you have bad credit! My credit was screwed up, and since getting this card, I have had two limit increases, and have a good base on which to get better deals from other lenders, and basically rebuild my shattered credit score. Just pay your bill every month and this card will do you a world of good." Donald, 3/15/2007 "CFC.. Thanks. This card is great for helping me bulid my credit. I hardly use the card and I pay my balance off in full upon reciept of my statement. I love how when I call in I get to speak to a rep right away and I even spoke with a manager on two occasions." Alex, 11/6/2006 "CFC THANK YOU! For those who applied and feel upset that there are fees to be paid, is there anything in life that is free? After all, you have to pay fees when applying for any card, and it makes sense that fees I have to pay are higher as my credit is beyond bad. I could not expect CFC to give me a credit card for free when I am responsible for my past behavior that resulted in such a bad credit. Now, I am trying to improve my credit, and I am thankful that CFC representatives took extra time to review with me all of the terms and conditions to ensure I understood them. I am most of all thankful that CFC gave me another chance when others were not willing to do it. Thank you CFC!" Karl, 10/5/2006 "So far so Good - I had some payment issues in the Army with overseas deployments that really trashed my credit. Even though I was able to work thru all of it, it left me with a very low credit score. This card approved me in minutes. I received the card in under a week and was activated within a few minutes. They asked if I wanted to make a payment when I activated, but was told it was not required. They were very friendly and professional." DMW, 9/17/2006 "I wanna repair my credit, they wanna help. This card's best feature is the credit line increase program. It's nice to know that it will actually be a $2000 line of credit eventually. I had no problems activating and they even advised me of how I can start a positive payment record by making my first payment upfront during the activation process (which make sense to those of us who arent just providing lip service when it comes to our intentions of rebuilding our credit). they actually took about 8 minutes with me and the rep and manager answered all of my questions (very refreshing in the day of computer automation!)" Satisfied, 8/21/2006 "Are you asking for the moon?" This is a credit card for those of us who have had issues in the past brought on by circumstances beyond our control. I got my card in 7 days of applying which is really fast, I called to activate, they suggested I make a payment of $50.00 and even post dated it for me. Told me when my first payment was due. Only bad part was the $8.95 fee for doing it over the phone by check. Other than that I am happy." AKR, 8/16/2006
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