Cerulean Mastercard® Reviews 

6,712
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Looking at 686 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for being professional, friendly, and knowledgeable, often going above and beyond to help with various account needs. Many people appreciate the efficient service and quick response times, making interactions smooth and resolving issues promptly. Reviewers frequently highlight the helpfulness and understanding of representatives, contributing to a positive overall experience. However, some customers also noted issues with payment processes, including unexpected late fees and charges for making payments over the phone. Others experienced difficulties with online payment systems or found it challenging to reach a representative for payment assistance. Additionally, a few people expressed concerns about high interest rates or unexpected fee increases.

What people talk about most

Customer service

Clients share positive opinions on customer service, frequently highlighting the helpfulness, friendliness,... See more

Staff

Consumers consistently report positive experiences with the staff, highlighting their helpfulness,... See more

Service

Users describe positive interactions with service, highlighting the courteous, professional, and helpful... See more

Payment

Customers had ambiguous experiences with payment, with some reporting difficulties such as hidden fees for... See more

Response time

Reviewers highlight positive aspects of response time, with many praising the fast response and great... See more

Reviews shaping this summary

Rated 5 out of 5 stars

2 weeks ago I lost my credit card called it in was getting a replacement received it in the mail, activated it and then called and made my payment. And then I realized I got charged a $41 late fee cuz... See more

Company replied

Rated 5 out of 5 stars

Christian smoothed over my disappointment with a previous rep (Alejandro) who was rude, argumentative and hung up on me without telling me he had closed my account. Christian explained to me what... See more

Rated 5 out of 5 stars

My representative was extremely professional pleasant and was very helpful to give me different ideas with my account and when that didn’t work, she was very patient to help me set up a few different... See more

Company replied

Rated 5 out of 5 stars

The Young lady that helped me was friendly, knowledgeable, and happy to help me. She made sure I knew everything immediately and explained everything perfectly so I understood everything i needed to m... See more

Company replied


Company details

  1. Non-Bank Financial Service

Written by the company

A highly rated financial services company, Continental Finance Company is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. The Cerulean Mastercard®, issued by The Bank of Missouri, comes with a host of features designed to help customers build or re-establish credit, including $0 Fraud Liability, a Free Monthly Credit Score, and a possible Credit Limit Increase after just 6 months.

Cerulean Mastercard®

Written by the company

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Contact info

4.7

Excellent

TrustScore 4.5 out of 5

7K reviews

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4.7

All reviews

(6,712)

674 reviews in the last 12 months

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Rated 2 out of 5 stars

This Company is terrible when it comes…

This Company is terrible when it comes to California customers! I called at 4 pm California Time to make a payment through an agent, 1st they charged 6 bucks to pay with a debit card, and now I have to pay a late fee because I do not live on the East Coast, and you have to pay before 2 pm our time !!!! The card is ok, but the rules are terrible, it is all because thier banks close way before ours, and now California cardholders suffer for actually being on time. Not fair !!!

May 7, 2026
Unprompted review
Rated 5 out of 5 stars

My representative was extremely…

My representative was extremely professional pleasant and was very helpful to give me different ideas with my account and when that didn’t work, she was very patient to help me set up a few different post check payments. I would recommend her highly. I rate her a five stars.

May 7, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

VERY HELPFUL.

May 6, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

Everything was fine

Everything was fine

May 6, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 1 out of 5 stars

Terrible customer service

Terrible customer service. It took me 8 tries on the telephone to connect. Terrible customer service canceled card due to bad customer service and calling 8 times to get through so they lost my business sorry

April 29, 2026
Rated 4 out of 5 stars

It’s dependable

It’s dependable, in a world that is becoming more chaotic every year.

May 2, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Thank you for the kind words! We are always here when you need us.

Rated 5 out of 5 stars

Excellent customer service

I called for a replacement card due to unforeseen damage and I received excellent customer service and a very friendly representative. Thanks for making my experience easy and helpful.

May 5, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

The representative that I dealt with…

The representative that I dealt with was very knowledgeable and was able to get my issue resolved very quickly. I’ve been having a little bit trouble getting set up, but she was able to correct all that and got me set up fine and we even got my due date change which I also appreciate I would give this representative five stars

May 4, 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 1 out of 5 stars

You are charging an annual fee of $150…

You are charging an annual fee of $150 and nothing has improved. I can't believe I have to wait until next week to use the card because of your delay in posting payments. You do not even bother to make a better incentive such as cash back. It is the worst credit card I have used. Once I pay it off, I will stop doing business with you

May 1, 2026

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