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The Continental Finance Fit Platinum credit card is an excellent option for those looking to build their credit in the market and for those tired of cards full of bureaucracy, with the possibility of immediate approval.
Issued through a partnership between the Bank of Missouri and Continental Finance, this card offers several advantages that can help improve your credit score quickly. Additionally, you will have more flexibility to make payments in physical and virtual stores.
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Your financial life can be much more complete and efficient after establishing good credit, and in this process, the Continental Finance Fit Platinum card will be a great ally. Continue reading to see how you can apply for yours today!
The Issuer
The Fit Platinum is a credit card offered through a strategic partnership between the Bank of Missouri and Continental Finance.
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This collaboration combines the expertise of the Bank of Missouri, a traditional financial institution with a long history of banking services, with the experience of Continental Finance, known for providing credit solutions to consumers with limited or challenged credit histories.
The Fit Platinum card is designed to help these consumers build or rebuild their credit, offering a range of benefits and financial tools. The issuance of the card through this partnership ensures security, reliability, and customer support, allowing cardholders to enjoy the advantages of an accessible and efficient credit card.
Fit Platinum – Benefits
QUICK CREDIT LIMIT INCREASE: One of the main attractions of Continental Finance Fit Platinum is the possibility of doubling the initial credit limit from $400 to $800 after six months of on-time payments.
MONTHLY CREDIT REPORTS: The card reports monthly to the three major credit bureaus in the USA: Equifax, Experian, and TransUnion. This means that responsible use of the card can significantly improve your credit score over time.
FRAUD PROTECTION: Security is a priority with the card, which offers Mastercard’s zero liability protection against fraudulent transactions. This ensures that customers are not held responsible for unauthorized purchases, providing greater peace of mind.
SIMPLE APPLICATION PROCESS: The application process is quick and easy, with near-immediate results. Anyone can apply, regardless of credit history, making it accessible to a wide range of consumers.
Fit Platinum – Fees and commissions
The Continental Finance Fit Platinum credit card card comes with several fees to consider. There is a one-time processing fee of $95 to open the account, an introductory annual fee of $99 (increasing to $125 in the second year), and a monthly fee of $12.50 starting from the second year.
Additionally, the APR is 29.99%, which is relatively high. It is important to evaluate whether these fees are feasible within your budget before applying for the card, which has these charges due to the higher risk of default by customers.
Card limit
The initial credit limit of the Fit Platinum card is $400. This limit is particularly useful for individuals starting to build or rebuild their credit history.
After six months of on-time minimum payments, the credit limit can be increased to $800, doubling the cardholder’s purchasing power. This increase is automatic as long as the cardholder meets the established payment requirements.
In addition to providing greater financial flexibility, the credit limit increase can also help improve the user’s credit score. This is because one of the important metrics in determining a credit score is the credit utilization rate.
Positive points
- WIDE ACCESS:Anyone can apply, even with a poor credit history.
- MONTHLY REPORTS:Helps improve credit score quickly.
- FRAUD PROTECTION:Offers security against unauthorized transactions.
Negative points
- HIGH FEES:Includes several fees that can accumulate quickly.
- HIGH APR:The interest rate is quite high, making it expensive to carry a balance.
- NO REWARDS PROGRAMS:Does not offer rewards or additional benefits beyond credit building.
How to apply for Continental Finance Fit Platinum credit card
- Access the card website;
- There you will have the opportunity to check everything the card can offer;
- Click on “Apply now”;
- Fill out the online application form with your personal information;
- Wait for approval, which usually occurs within seconds;
- Receive your card by mail and activate it to start using.
How to contact Continental Finance
If you wish, Continental Finance offers specialized customer service through the number below:
- 1 866 449 4514
The Fit Platinum Credit Card is a powerful tool for those needing to build or rebuild credit. If this is your case, apply today and start transforming your credit history.
