Reflex Credit Card Login, Payment, Customer Service, and More

Managing your finances and maintaining independence in financial matters is quite hard nowadays. One wrong move can make you drown in heavy debts, and sometimes the consequences can extend to passing deadlines to clear your credit card bills. And we all know the result is a bad credit score that adds more problems to the equation.

Some credit card companies and financial institutions facilitate the consumers struggling to recover their credit scores by offering different credit cards and similar solutions. You can’t change the past, but you always have a chance to improve your credit by working on the future.

Today, we will talk about Reflex credit cards, a solution for people with poor or average credit scores. We will discuss everything you need to know about Reflex cards, be it qualification criteria, login method, registration, card activation, and payment methods.

So let’s get into it.

What Is Reflex Credit Card?

Celtic Bank by Continental Finance issues several credit card solutions to help consumers improve their credit scores and also get financing for their needs. If we talk a little about Celtic Bank, it has been based in Salt Lake City, Utah, since 2001. The bank is a popular small business lender and residential construction lender. The bank is also one of the SBA-preferred lenders in the nation.

Indigo, Deserve, and Reflex are the popular credit cards of Celtic Bank that are meant to improve the credit score of cardholders. So, Reflex is an unsecured credit card, meaning the consumer doesn’t have to pay a security deposit to get the credit card. It really means a lot when you are struggling at financial ends.

Besides, the Reflex card is a Mastercard that can be used to make purchases all around the world at places where Mastercard is accepted. There is a lot more to the Reflex Mastercard, which we will talk about in the features section of the Reflex credit card.

Reflex_Credit_Card

Features Of Reflex Card

Here are the main features of Reflex Mastercard that can be good for some people and might be downsides of the credit card:

Enjoy The Buying Power With A Good Credit Limit

You get the initial credit limit of $1000 with your Reflex Mastercard, which is quite a handsome amount if you want to finance your emergency expenses. The maximum limit is $1000, but it can be between $300 and $1000, depending on the individual assessment.

Even more, you can double the credit limit for up to $2000 depending on your credit history and timely payments. In general, the Celtic Bank will consider you for allowing a higher credit limit if you’re on time for paying six monthly payments.

Zero Fraud Liability

The card comes with zero fraud liability, implying that you don’t have to worry if the card gets stolen or lost. If any unauthorized charges are made to your account, Celtic Bank won’t hold you liable. However, you are responsible for reporting the missing card to the bank as soon as possible.

Mastercard Acceptability

The Reflex credit card is a Mastercard which means that you can use the card to make purchases all around the world. If you’re shopping at a place with Mastercard acceptability, the Reflex Mastercard got you covered.

Free Monthly Credit Score

Some of the additional benefits you get with the Reflex Mastercard include getting a monthly credit score so you know which direction you’re moving in. And the best thing about it is that credit score reporting is free, and you can check your score without paying a dollar.

Credit Reporting To Major Bureaus

The Celtic Bank also reports the payments to all three major credit bureaus, including Experian, TransUnion, and Equifax. This makes it an even better choice for people working to improve their credit score by getting a chance to build their credit score positively.

No Hidden Fees

No hidden fees or charges are being made against your Reflex Mastercard. The Celtic Bank and Continental Finance Company have a fair disclosure policy for the best relationship with their customers.

Interest Rates Are Higher Than Average

One downside with Reflex Mastercard is that the interest rates and APR of the card are higher than the market average.

Annual Charges

The annual fee is an upfront charge that the cardholders have to pay when they get the credit card from the Celtic Bank. This amount is deducted from your initial credit limit. Besides, a monthly maintenance fee is also deducted from your credit.

Qualification Criteria For Reflex Mastercard

Although the company says that Reflex Mastercard is a solution for people with less-than-perfect credit scores, you must meet certain requirements and qualification criteria to apply for the Reflex Mastercard.

So here are the general qualification criteria for Reflex Mastercard:

  • You must be a permanent resident or a citizen of the United States.
  • You must be of age 18 or above. For residents of AL, the minimum age should be 19.
  • A valid US IP address is also necessary for applying. (when processing applications)
  • You must have enough income to cover the costs of your credit bills
  • A low debt-to-income ratio is also encouraged to get you approved for the credit card
  • Fair to good credit score is required to get approved

How To Apply To Get Reflex Credit Card?

If you believe that you are eligible to apply for the credit card, here is the step-by-step guide on how to apply for your Reflex Mastercard:

Apply Online

  1. Visit the official webpage of Reflex Mastercard here.
  2. Scroll down to the card and click on Apply Now Button. It will redirect you to the application page.
  3. The Continental Finance Company requires you to provide personal and financial information to proceed with your application. Start by entering your personal information & financial information (first name, last name, residential address, email address, SSN, and monthly income).
  4. Click on Calculate Your Monthly Income.
  5. The next step is to provide your primary source of income, primary phone number, and date of birth and answer some of the yes/no questions.
  6. Check the boxes for terms and conditions, electronic disclosures, authorizing pre-qualification, etc.
  7. Check the I’m not a robot box and hit the See my Card Offers.

Apply From Phone

You can also opt to apply for Reflex Mastercard via phone call. The phone number to apply for credit card on-call is as follows: 1-866-513-4598

Provide the information being asked by the customer representative as Federal Laws require the financial companies and banks to gather, verify, and record the customers’ information for pulling credit reports from Credit Bureaus.

Register For Online Access

You will need to register for online access to get your online statements, make card payments, view transaction history, check previous statements, and check your card balance. Here is how to register for online access:

  1. Visit the official webpage of CFC for Reflex Mastercard here.
  2. Click on the Login button from the main menu, and you will be redirected to a new page for CFC login. 
  3. Since you don’t have registered online yet, you will need to click on Register For Account.
  4. It will redirect you to the registration page, where you have to start by filling in the empty fields. Enter the last four digits of your account, the last four digits of your SSN, and the billing zip code. Click on Next.
  5. Follow the on-screen prompts, create your username and password, verify the details, and you’re good to go!

How To Activate Your Credit Card?

Once you get approved for the credit card, you will receive it at your mailing address within 3 to 5 business days. Here is how to activate your credit card:

Online

  1. Visit the official webpage of Reflex Mastercard and click on Activate Now.
  2. Enter the information in empty fields.
  3. Click on continue and follow the on-screen prompts to activate your credit card.

Over Phone

You can make a call on the number printed on the sticker affixed to your credit card. Make sure to call from the mobile phone that you provided with your credit card application. Follow the on-call instructions and activate your credit card.

How To Pay Reflex Credit Card Bills

Here are different methods you can choose to pay your Reflex Mastercard bills.

Online

Login to your Continental Finance account, go to Menu > Pay Bill > One-time payment, and provide the bill and checking account details. Complete the payment, and you’re good to go.

Via Phone

You can also pay your credit card bills via phone call. Call on the following number:

1-800-518-6142

Talk to the customer support agent, who will guide you and ask for the information to complete the credit card payment over the call.

Via Mail

You can also send your credit card bills via checks or money orders to the following mailing address:

Reflex Card
P.O. Box 6812
Carol Stream, IL 60197-6812

Customer Service Of Reflex Credit Cards

Via Call

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1-800-518-6142

Via Mail

Alternatively, you can send your credit card-related queries to the mailing address of Reflex Mastercard:

Reflex Card
P.O. Box 6812
Carol Stream, IL 60197-6812

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