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 5 out of 5 stars

Lost card, and late fees all taken care of!

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 my payment was late. So I called and spoke to someone who was super helpful and was able to take off that late fee since I was in the middle of getting a new card. I was really appreciative I'm trying to get my balances down low in any little bit help.

18 April 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

Great customer service agent

Great customer service agent. He was fast, efficient, and addressed my concerns. Exceeded my expectations.

18 April 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 4 out of 5 stars

Helped my issue

17 April 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

customer service

16 April 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

Absolutely the worst Customer Service…

Absolutely the worst Customer Service ever ! I called 3 different times and 3 different foreign customer service representatives that had the worst accent ever . Their English was beyond comprehension . Then they transfer me to a Supervisor , Antonio Victorio , Employee ID anvictor . He spoke English like a pre schooler practicing a 3rd language . Listen … this is a waste of the customer’s time. Putting a non English person who speaks English poorly at best into the role of a customer service representative is the ultimate disrespect of a customer ! It means that you at Card Services and/or the Bank of Missouri value money over Good Customers . This is not a paragon for success . What should have taken 60 seconds or less cost you the company over 25 minutes of time , and in those twenty-five minutes all that you managed to accomplish was to take a Good Loyal Transactional Customer and turn him into someone that does not ever want to do business with you again.

16 April 2026
Unprompted review
Rated 5 out of 5 stars

Christian was amazing

Christian was amazing. He was able to figure out my issue and solve it rather quickly and even made a note in my file so it hopefully isn’t a problem in the future. However the credit card and app are absolutely terrible and as soon as I get it paid off again I’m canceling it. Didn’t realize how bad it was until lately so I’m not sure if it’s new changes or if I’m just now noticing.

15 April 2026
Cerulean Mastercard® logo

Reply from Cerulean Mastercard®

Thank you so much for the kind words! I’m glad we were able to get your issue resolved. We will give a shout out to the employee who assisted you.

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