Reflex Credit Card Login – How to Pay Your Reflex Credit Card
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Reflex Credit Card Login – How to Pay Your Reflex Credit Card



How to Pay Your Reflex Credit Card – If you are a holder of the Reflex Mastercard credit card issued by Continental Finance, you have multiple options to make your Reflex credit card payment. If you are finding it difficult to pay with your Reflex Credit Card, Read this article carefully to be acquainted with Reflex Credit Card payment.

Reflex Credit Card Login

A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company, that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment. An example of a credit card is the Chase Sapphire Reserve.



About Reflex Credit Card

The Reflex Card is an expensive starter credit card for people with limited or no credit history, as well as those with bad credit looking to start over. It belongs to the Mastercard credit card network but is issued by Celtic Bank and managed by Continental Finance Company. A Reflex Mastercard® with an initial credit limit that ranges from $300 to $1,000. Use your Reflex card at locations everywhere Mastercard is accepted. Shopping, dining, even travel are all in your future with your new Reflex credit card. Your Reflex credit card account can help you rebuild or improve your credit score when you make your payments on-time and you keep your balance under your credit limit.

You may be eligible for your first credit limit increase after just 6 months. If you are trying to build up your credit, getting a credit limit increase is a milestone achievement. Continental recognizes this and will review your account, giving you the opportunity to obtain a Credit Limit Increase upon your request, subject to income and underwriting criteria at the time of review. You could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score.

Reflex Credit Card Features:

  • Enjoy Peace of Mind With $0 Fraud Liability.
  • Monthly Reporting to All Three Major Credit Bureaus.
  • Free Monthly Credit Score.

Enjoy Peace of Mind With $0 Fraud Liability

With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected. Whether you’re shopping in a store, travelling abroad, or making online purchases you can rely on Continental Finance to protect your Reflex credit card account.


Monthly Reporting to All Three Major Credit Bureaus

The Reflex credit card can be used as an effective tool to build credit. Continental Finance accepts people who apply for a Reflex credit card with less than perfect credit. Continental Finance will report your payments to the three major credit bureaus – TransUnion, Experian, Equifax.

Free Monthly Credit Score

When you activate a Reflex Credit Card, you have to create an account. One of the top features of that account is you get a free monthly credit score when you enroll in e-statements. Every month you can check your score. If you are building credit for the first time, or repairing credit, you can see the impact actions like making your monthly payments on time have on your credit score each month.


  1. See if you’re Pre-Qualified with no impact to your credit score.
  2. All credit types welcome to apply.
  3. Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time).
  4. Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  5. Monthly reporting to the three major credit bureaus
  6. Fast and easy application process; results in seconds
  7. Use your card at locations everywhere Credit Card® is accepted
  8. Checking Account Required
  9. Credit Card Zero Fraud Liability Protection (subject to Credit Card guidelines.

Reflex Credit Card Login

Continental Finance has been rated as one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit by the Better Business Bureau.

Before you can be able to pay Reflex credit card or MasterCard bill online, you must have created an online account and sign in to your Reflex account using your credentials. So let us shall look at how to create an account with Reflex.

Reflex Account Sign Up

  • Go to the official website here
  • Please provide your account information below to verify your identity:
    1. Last 4 Digits of Credit Card
    2. Last 4 digits of the SSN
    3. 5 digits Zip Code
    4. Numbers only. Enter Zip Code as 5 digits (#####)
  • Click on look Up Account

Reflex Credit Card Login

Nothing is much easier like Reflex credit card login. It is the easiest of all.

  • Simply open your web browser and log onto
  • Go to the right top part of the homepage and click on login
  • Key-in your username on the first column.
  • Complete the second column with a registered password.
  • And Crown it all with a hit on the Login button.

Congratulations! Welcome to the Reflex credit card platform. In case you want to activate a new Reflex credit card, you can click on the Activate my Card or follow this procedure to start a credit card activation.

Reflex Credit Card Payment

  • Enter your Username and password in the respective fields.
  • Click on the “Login” button to access your online account.

1. Reflex Credit Card Payment Online

To complete your Reflex credit card payment, log into your account @ and make your payment.

2. Reflex Credit Card Bill Pay By Mail

If you want to make your payment through the mail, send your payment to the following Reflex credit card payment address:

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

3. Reflex Credit Card Bill By Phone

The Reflex credit card customer service phone number for payments is 1-800-518-6142 (7 a.m.–10 p.m. Mon–Fri, 8 a.m.–4 p.m. Sat/EASTERN TIMES). (You can also try the automated phone line at 1-866-449-4514.). See More: Citi Bank Create Card Easy to Use.

Reflex Mastercard Fees

Meanwhile, we are going to show you the best way you can make payment with reflex. Without being charge much fee, and the rate of fee you will be charged. We are going to list it for you now.

Annual and Monthly Maintenance Fees

The Reflex Credit Card comes with an annual fee that is assessed before you begin to use your card. The annual fee reduces the amount of credit you have.

After the account has been open for a year, a monthly maintenance fee may be charged.

Interest Rate

The interest rate charged on the Reflex Credit Card is a variable APR. As this is a variable rate, it is subject to change depending on the market rate. Provided you pay your full monthly balance, you will not incur any interest on your account unless you have used your card for a cash advance.

To see the APR, please see card’s terms. Credit Card

Cash Advance Fee

Cash advances incur the same interest rate as purchases, but unlike purchases, the interest builds from the day the transaction occurs. In addition to the interest, cardholders are also charged a cash advance fee.

A cash advance is an expensive way of obtaining cash, so you’ll want to avoid this at all costs. Although cash advances don’t directly impact your credit score, the increased interest you’ll incur could push you well over your 10-30% credit utilization ratio.

Late and Returned Payment Fees

If you’re late on your monthly repayment or an attempted payment can’t be processed, then you may incur a late or returned payment penalty. If the cardholder fails to make a payment within 6 billing months after the initial penalty or attempts another payment that can’t be processed, then a fee is applied.

Reflex Credit Card Limit

For a starter credit card, the Reflex Credit Card has an initial credit limit between $300 and $1,000, with the potential to increase after 6 months. Most unsecured credit cards granting $300 initially. The credit limit is less any service fees, so customers are left with a credit limit of around $400 once the annual fee has been deducted.

Reflex Credit Card Increase

After 6 months of responsible account management, such as paying off monthly minimum balances and avoiding late payments, cardholders may be offered a credit limit increase. Initially, this would increase to $1,000 to a maximum of $2,000 over time.

In Conclusion

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