YourReflexCard | A Worth-Considering Credit Card


Getting your hands on a credit card is not an issue if you are maintaining a reasonable credit score. However, what are the options if you are low on credit score and want to rebuild it? Under such circumstances, YourReflexCard can come to your rescue.

A credit card allows you to borrow money from a bank or some money-lending agency that can provide a space for relieving some financial pressure.

Did You Know? According to a safe estimate, around 200 million Americans use at least one credit card from hundreds of banks and financial institutes.

As nothing comes for free, there are positives and negatives associated with credit cards as well. Therefore, it is highly recommended to go through a detailed review of any particular credit card before applying for it.

Specifically, this article will introduce and try to cover everything related to the Reflex Mastercard, so you don’t have to look anywhere else.

What Is YourReflexCard?

You have landed at exactly the right place if you are looking for a credit card but are lacking on the credit score avenue.

YourReflexCard is a platform for not only applying for the Reflex Mastercard, but you can additionally manage every aspect of this card.

The legitimacy of the platform can be established by the fact that the Continental Finance Company (CFC), which has an A+ rating from the Better Business Bureau (BBB) is behind this platform. Moreover, CFC is a leading name in the credit card industry, especially for clients with lesser-than-ideal credit scores.

Anyone looking for improving his credit score should consider credit cards from CFC because they report your credit performance to three major bureaus monthly. Moreover, you’ll receive free FICO scores every month, so you can keep track of your performance and adjust the credit card use accordingly.

Reflex MasterCard – Quick Overview

First of all, you can get this card even if your credit score is quite low, which is around 580. Moreover, you can use it to rebuild the credit score because the usage report will be shared with three major bureaus monthly.

Depending on your credit score, the initial credit limit that will be offered to you will be somewhere in the range of $300 to $750. However, just after 6 months of responsible use, you’ll be eligible for an increase in the credit limit.

The increased credit limit will increase your spending power, reduce the credit utilization ratio, and hence improve the chances of raising your credit score.

Furthermore, this card features a 0% fraud liability in case of an unfortunate event where you lose your card. Make sure you notify the authorities as soon as you are involved in such a misfortune.

Moving on, this card has several demotivating features as well. Firstly, there is no introductory relaxation on the APR which is set at 25.99% to 29.99% right from the start. Moreover, there is an annual fee in the range of $75 to $99 that depends on your credit history.

To add further to the negatives, this card has a monthly maintenance fee of $10, which is waived off only for the first month of use. Moreover, there is around a $40 fee for returned payments and a $39 penalty for late fee submission.

As the last blow, in addition to a 3% foreign transaction fee, there are is no reward system, whatsoever supported by Reflex Mastercard.

You can easily say that this card is one of the most expensive credit cards because of the high fee, interest rates, and low credit limit.

Is Reflex Mastercard For You?

Talking through an experience of more than 10 years, this card should be opted for only if you have a really poor score and are willing to improve it. Even with poor credit history, you may qualify for a credit limit of $750, but as soon as your credit score improves, look for a more economical unsecured credit card option.

Moreover, you need to be a legal US resident aged above 18 years to be eligible for this card.

Surprisingly there is no other eligibility condition for this card, therefore, almost anyone can get this card. However, there are only two ways to get this card which are explained below.

Method # 1: Accepting The Mail Offer

You may receive an offer through the mail which means you have pre-qualified for the Reflex Mastercard. CFC keeps track of the credit score of the potential clients and sends them a pre-qualified offer via mail without any application.

You just need to follow the simple steps, listed below, to get your credit if you have received an offer via mail.

  • Visit the YourReflexCard webpage.
  • Enter the ‘Reservation Number’ that may be found on the mail offer you received.
  • Enter your complete Social Security Number (SSN) in the given field.
  • Hit ‘Confirm Reservation’ and follow the steps to complete the application.

After completion, the only thing you can do is wait patiently before you receive your brand new credit card via mail in about 14 days.

Method # 2: Apply Right Away

If you haven’t received any offer from the Continental Finance Company, even then you can get Reflex Mastercard. To apply for the Reflex Mastercard simply follow the steps below.

  • Go to the YourReflexCard webpage.
  • Under the fields for ‘Reservation Number’ and ‘Social Security number’ click on the ‘NO RESERVATION’ link.
  • Enter your details including your name, address, Social Security number, and details of your checking account.
  • Now hit the ‘See My Card Offers’ button and follow the prompts to complete the application.

Through the simple steps, you can apply for the Reflex Mastercard even if you haven’t received any offer through mail. Once again after the application, wait patiently before you receive your credit card via mail within 14 days.

Once you receive your credit card, you have to activate it before you can use it. For activation just visit this link and click on ‘Activate My Card’. On the page that opens enter the last four digits of your card, the last four digits of your SSN, and your 5 digits zip postal code. Hit the activate button to get your card activated.

Positives & Negatives Of Reflex Credit Card

Let us spell out the positives and negatives of this card in a much more straightforward way so you can make your mind promptly.


  • Backed by CFC’s A+ rating from Better Business Bureau (BBB)
  • Best for poor credit history
  • Credit report shared with three major credit bureaus
  • The credit limit may be increased after 6 months
  • No fraud liability in case of card abuse
  • Free monthly FICO score


  • The high annual fee that is around $75 to $99
  • Monthly maintenance fee of $10 except for the first month
  • High APR in the range of 25.99% to 29.99%
  • No reward system
  • 3% Foreign Transaction Fee
  • $40 returned payment fee
  • $39 late payment fee in addition to APR

Manage Your Reflex Credit Card

You can manage your Reflex Mastercard via an online web portal or CFC mobile app. However, before being able to use the web portal or the mobile app you should get yourself registered on the web portal via the simple steps given below.

  • Go to the Reflex Mastercard homepage and click on the ‘Register Now’ link.
  • Enter the personal information and information related to your card.
  • Hit the ‘Lookup Account’ button and follow the prompts to create your account.

Once your account has been created you can log in to manage your Reflex Mastercard either via the web portal or the mobile app.

Through the account, you can access your usage history, make payments, check the due dates, etc. Moreover, you can access the CFC’s knowledge base for gaining insights on how to build a credit score and manage credit utilization, etc.

Wrapping Up

YourReflexCard is a convenient platform to manage Reflex Mastercard. This card is particularly useful for building a damaged credit score.

The facility to manage everything via a web portal or mobile app is quite a relief during these days of the pandemic. Moreover, friendly customer care may be reached at 1-866-513-4598.

Go through this detailed review to know everything about the Reflex Mastercard and the YourReflexCard platform. Don’t forget to enlighten us with your valuable feedback in case we have missed anything.

Stay Safe and Good Bye!


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