First Bank of Delaware | Continental Finance Gold MasterCard

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Continental Finance Gold MasterCard®
Issued by First Bank of Delaware

Continental Finance Gold MasterCard�

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Review

The Continental Finance Gold MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance.

The main benefit of this unsecured credit card is that it reports to credit bureaus. This is a rare opportunity for those with poor credit who would otherwise only qualify for secured or prepaid cards, which often do not report to credit bureaus or charge fees to report to credit bureaus.

This card has a very low APR of 9.75%, and it has an annual fee of $50. It also charges a monthly maintenance fee of $15 ($180 per year). However, the monthly maintenance fee is waived for the first month. There is a one-time account processing fee of $175. This means that the total amount of fees that a cardholder can expect to pay in the first year will be $355.

Cardholders will also receive free online access, excellent online tools for managing their finances, and semi-annual credit limit increases*.

Therefore, those who want a second chance with their credit, do not mind paying the various fees, and would prefer an unsecured credit card may find the Continental Finance Gold MasterCard® to be beneficial.

*See Website for Other Fees, Rates, and Terms and Conditions

Updated: January 2, 2009

Most Attractive Feature(s) : Reports to credit bureaus; no security deposit required.

Least Attractive Feature(s) : Annual and monthly fees.

Terms and Conditions

Note: The review on this card was updated on January 2, 2009. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.

Specifics

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Category Definitions

Card Category: Poor Credit

Annual Fee : $50

Additional Cardholders : $30**

Annual Fee Details : **There is a $30 fee for each authorized user cardholders add to their account.

Grace Period : 25 Days (Min.)

Minimum Credit Limit : $300

Maximum Credit Limit : $2,000

Late Payment Fee : $35

Over-The-Limit Fee : $35

Cash Advance Fee : 3%, $5 minimum

Application Fee : n/app

Participation Fee : n/app

Total First Year Fees : $355

Perks / Notations

Additional Perks

Access to semi-annual credit limit increases.*
Various Internet account related services.
See website for additional benefits.

Important Notations

*See website for other fees, rates, and terms of conditions.
***The monthly maintenance fee of $15 is waived for the first month.
There is a one-time account processing fee of $175.
There is a $35 fee for returned payments.
There is a $25 fee for credit limit increases.
There is a $4 fee for Internet payments.
See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the Continental Finance Gold MasterCard®.

See other cards issued by First Bank of Delaware

APR (Purchases) : 9.75%*

APR (Cash Advances) : 19.92%

Finance Configuration : Average Daily Balance (including new purchases)

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