Credit Card Review & Application
|Issuer:||Service Credit Union|
|Card Category:||Consumer (Regular)|
|Card Type:||- Card for Bad Credit|
- Co-Branded Credit Card
- Instant Decision Card
|Credit Needed:||Bad Credit OK*|
The Cerulean Discover® credit card provides an online application to simplify the process. One can go online and complete the application within five minutes. The only requirement to apply is being 21 years old or older. There are no credit requirements. This makes it easier for those with no credit and poor credit to become approved.
The majority of people who apply will be approved instantly. In some cases, Continental Finance, the issuing bank, will ask to see additional information prior to approving the account. Upon approval, a card will be mailed out and benefits will begin upon the card's activation.
This credit card can be used at millions of merchants around the globe. It is widely accepted anywhere that accepts the Discover card. This makes it easy to complete purchases at gas stations, stores, online merchants and over the phone for travel and other purchases. The card will then provide a monthly statement where a portion of the month's purchases must be made. To avoid interest, a person can also choose to pay the balance in full.
One of the primary benefits of the card is online account management. This is a free service to all cardholders. A secure logon will be created. Every cardholder will receive a unique login credential that gives them 24/7 account access. Once logged on, a person can look at their account balance, available credit line, make payments, download statements and even contact customer service.
Security is a critical aspect to this credit card. It features SSL authentication and other security tools to make it safer. When shopping online, a consumer doesn't have to worry about someone being able to steal their credit card information or their identity. The bank regularly monitors accounts for suspicious activity as well.
Fraud protection is provided on every card. There is $0 fraud liability. This means that if a charge shows up that doesn't belong, a cardholder is not responsible for making the payment. A call to customer service will result in the charge being reversed. A person will never have to go into debt because of fraudulent activity on the card. This ensures that a lost or stolen card isn't the end of the world.
The card is packed with features. Due to the online tools and the security features, cardholders can enjoy both convenience and security. The card is simple to apply for. Within minutes, a person can find out if they've been approved for the card. Then, within days, it's possible to start making charges to the account if the credit line has been approved.
|Other Benefits:||*See Terms and Condition of the card|
|Online Account Access:||Yes|
|APR on Purchases:||29.99% (variable)*|
|Grace Period:||25 days*|
|Late Payment Fee:||$35.00*|
|Over Limit Fee:||$35.00|
|APR Cash Advances:||29.99%|
|Cash Advance Fee:||5.00%|
|Additional Fees||Foreign transaction fee: 3% of each transaction in U.S. Dollars|
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† The information provided for Cerulean Discover credit card is believed to be accurate at the time of evaluation (Dec 21, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.