"Worst Credit Card Experience "
Continental Finance Gold MasterCard® Review
Written by: gmsnowshoe on 2009-11-12
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
gmsnowshoe's review: 
This has been the worst credit card experience of my life! I had paid for debt protection while having this card for one year - I never missed a payment (however, payments - when made - take more than a week to post to the credit card account). I lost my job and had to activate the debt protection feature. I called two weeks before the bill was due - to activate and to explain that I could not pay. They told me I had to fill out forms (which I never received) and then I had to keep up minimum payments (which, by the way - never are enough to keep you from getting over limit fees - no matter what you do). Now, all debt protection paperwork has been appropriately filed and all is supposed to be okay and at promptly 8:00 am every morning, we receive phone calls from their collection department. I have filed harassment charges against them, and the phone calls do not stop. If I was in a position to pay it off, close the account, and walk away, I would in a hot second. Do not go with this credit card company - it will be the worst experience of your life.
This has been the worst credit card experience of my life! I had paid for debt protection while having this card for one year - I never missed a payment (however, payments - when made - take more than a week to post to the credit card account). I lost my job and had to activate the debt protection feature. I called two weeks before the bill was due - to activate and to explain that I could not pay. They told me I had to fill out forms (which I never received) and then I had to keep up minimum payments (which, by the way - never are enough to keep you from getting over limit fees - no matter what you do). Now, all debt protection paperwork has been appropriately filed and all is supposed to be okay and at promptly 8:00 am every morning, we receive phone calls from their collection department. I have filed harassment charges against them, and the phone calls do not stop. If I was in a position to pay it off, close the account, and walk away, I would in a hot second. Do not go with this credit card company - it will be the worst experience of your life.
2 Comments
Comment 1 by ari
Re: Worst Credit Card Experience 
on 2009-11-12
Not for anything, but this particular card looks to be one of the worst credit cards out there. Any card offering a 250 initial credit limit then dwindling it down to $72 avail with fees before you even get the card has to be unscrupulous. Shame on them and shame on anyone opening up an account with them. Sorry. : )
on 2009-11-12 Not for anything, but this particular card looks to be one of the worst credit cards out there. Any card offering a 250 initial credit limit then dwindling it down to $72 avail with fees before you even get the card has to be unscrupulous. Shame on them and shame on anyone opening up an account with them. Sorry. : )
Comment 2 by meya
Re: Worst Credit Card Experience on 2009-11-13
Sorry to hear that, but coming from this bank, I wouldn't put anything pass them. I do have one question though, did they ever state anything about a certain time frame that insurance forms must be completed so that they can process the info in a timely fashion? I am curious because I always deny the insurance or end up taking it off. Never used it!
on 2009-11-13 Sorry to hear that, but coming from this bank, I wouldn't put anything pass them. I do have one question though, did they ever state anything about a certain time frame that insurance forms must be completed so that they can process the info in a timely fashion? I am curious because I always deny the insurance or end up taking it off. Never used it!
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Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
