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Offered by: Services CU

Continental Finance Cerulean Hybrid Card

  • The Continental Finance Cerulean Hybrid Card uses a variety of financial information to make you a credit offer that fits your financial situation.
  • You may be offered an unsecured credit card, a partially secured credit card, or a secured credit card. Our offer is tailored to each individual.
  • No application fees.
  • Use your card at locations everywhere Discover® is accepted.
  • Build positive credit by making monthly payments on time.
  • Free online account access 24/7
  • Fast and easy application process; results provided in seconds
  • Make Low Monthly Payments on all your card purchases!
  • Poor Credit? No Credit? No Problem

  • Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
    Typical Low: N/A
    Typical High: N/A


    See Terms







    * See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

    Offer Details:

    Cash Advance Rate


    Annual Fee


    Late Fee

    Up to $35

    Cash Advance Fee

    5%, Min: $5

    Balance Transfer Fee


    Saving Details

    Saving Details

    Year 1

    Year 2

    Year 3

    Balance Transfer Cost




    Interest Savings on Transferred Balance




    Interest Savings on New Purchases




    Value of Rewards on New Purchases




    Value of Bonus Points




    Annual & Application Fees






    Total Annual Savings




    Total Savings over 3 Years


    Credit Card Usage Profile

    Transfer a Balance
    • Balance to Transfer: $2,500
    • Monthly Paydown: $600
    • APR: 21.99%

    Earn Rewards

    • $1,000 Monthly Spending
    • $45 Gas
    • $75 Groceries
    • $20 Travel
    • $50 Restaurants
    • $50 Entertainment
    • $760 Other

    Establish or Build My Credit

    Card Details
    • Annual Fee: $75
    • Minimum Deposit: $0

    Finance a Large Purchase

    • Initial Purchase Amount: $3,000
    • Monthly Paydown: $60
    How We Calculated Your Savings

    Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

    Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

    Note: Sample data consists of Credit Karma members who hold this card.

    Compare Holders by ...

    Credit Score
    Credit Limit
    Current Balance
    Credit Limit Utilized
    60+ Days Past Due Status
    Age of Cardholder

    Sample Size: 588
    Data Created: February 02, 2015

    22 Cardholder Reviews

    The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

    Most Recent Reviews


    I understand this card is to help those trying to rebuild their credit.  However, they don't report to the 3 major credit agencies, and they never increase your credit limit.  Payments take forever to post, and the monthly usage fees eat up most of your payment, if you only pay the minimum due.  Not worth it, it does not help your build credit, but it does help line their pockets.  I closed my my account and paid it off.  Good riddance to bad rubbish.  

    Feb 16, 2015
    Card from hell! Helpful to 1 out of 1 people

    I have had this card for awhile. It is almost imposible to pay it off due to all the bs fees. I made a payment the day before it was due and got a late charge. I wish i had read reviews before i got this card. I have not bought anything on this card in a year and somehow im maxed out. I do have other cards and i can see where my money goes with them, but not this card. I really do not see how theses scammers have not been sued! I will be paying this off and closing it out!

    Aug 07, 2014
    The worst credit card company out there. Helpful to 3 out of 3 people

    I have had this card for six years. I have always paid my bill before the due date. I have never once missed a payment. I have had available credit on this card just "disappear." In the six years I have had the card by credit has approved so much that I have credit cards with reputable companies. The last one I got was a Barclaycard with a 1700.00 limit.

    In the six years I have had this card never once has my credit limit been raised. In the last three months I have charged nothing on this card and yet after making a payment I never have available credit. They charge 18.00 a month as an account matinence fee and a finance charge of 8.97. My payment is 35.00 a month. I have no idea where the rest of my money is going.  These people are dishonest thiefs. My best advise is DO NOT do business with them!!

    cathie222's response was:    

    Feb 05, 2014

    cathie222(1, 3)

    Waste of time read the "fine print" Helpful to 1 out of 1 people

    As soo as I got the card they started calling me before my bill was due. I hadn't even activated it. Ok I go to use it and make a payment on the phone, its all good ti they tell you at the end, there's a $10 Western Union fee! So I tell no thanks and pay it online. The next day, the payent clears my bank. One week later I check my available balance and Credit Availale. Zero balance, $300 limit. I go to Target to shop, card won't go through. I call and they say there is a 8-10 hold for on-line paymens. I told them the transaction # and it cleared a week ago. THEY DON'T CARE! I was told to read the fine print in contract regarding on line payments.They suck

    Sep 06, 2013
    Waste of time.

    This card has not reported to the big 3 credit bureaus and I have had it for two months.  I paid $75 for the annual fee and was planning to only keep it open for the first year where there are no other fees, but why bother keeping it?  Nobody else knows if I am using it and making payments on time because it isn't being reported monthly by them.  Should've kept my $75, would've bought a lot of

    jeffschandler's response was:    

    Aug 03, 2013

    See all 22 Reviews of Continental Finance Cerulean Hybrid Card

    † These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

    ‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2014 through February 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.