Building your Credit Score and Managing your Finances

Credit cards are a great way to build your credit score and credit history. They also help you streamline most of your daily expenses into just one billing, so you can keep track of your monthly purchases and enable you to better manage your finances.

How to build, repair, and manage your credit score can be summed up in these 3 keywords: Know, Pay, and Control. These are the keys that Continental Finance fortified over the years and have helped many of our customers reach their desired result.

“Knowing” is always the first step in most, if not all, aspects of life that can be managed; thus, it is imperative that you are aware of all the on-goings of your account, such as your billing statement, recent transactions, payment history, and more. This is where the Online Banking Service comes in, and Continental Finance has made sure this is a free service provided as a feature of our credit cards.

Now that you know, it is time to make sure payments are made and are received on time to avoid those unwanted penalty charges. Late payment fees or charges are among the main detractors in building and maintaining your credit score. The Online Banking Service of Continental Finance also allows customers to pay their bill online, a proven faster and safer method.

Last and most certainly not the least, controlling what you spend is crucial. A lot of cardholders fall into this trap where they spend more than they can manage. Thus, Continental Finance always makes sure their customers do not fall victim to this by initially allocating a credit limit they can handle. Credit limits can be increased in time when customers have proven that they are able to manage their respective credit tier.

Managing your account online is safe, secure, and fast.  There are several ways in which you can manage your account online; such as,

  • Signup for electronic statement delivery
  • View electronic statements and account summary information
  • Make payments online
  • View available credit
  • Create reports that help track expenses

The Online Banking Service is available 24 hours a day so you can access and manage your account whenever it is convenient for you.