Reflex Mastercard® Reviews 10,573

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their helpfulness, professionalism, and positive attitude, making interactions pleasant and productive. Customer service is consistently highlighted as exceptional, with many people appreciating the personalized and understanding approach. The service provided is often described as efficient and quick, with consumers noting the ease of their overall experience and prompt resolution of issues. However, some customers also noted issues with payment processing, specifically regarding late fees and difficulties with scheduled payments not processing on time. A few other people also felt that the company's response time could be improved, particularly when needing to speak with a representative rather than an automated system.

What people talk about most

Customer service

Reviewers highlight positive aspects of customer service, often praising representatives for being helpful,... See more

Staff

Clients share positive opinions on staff, frequently highlighting their professionalism, helpfulness, and... See more

Service

Consumers generally express satisfaction with the service received. Many reviewers highlight the helpfulness,... See more

Payment

Customers consistently note ambiguous experiences with payment. Many reviewers express frustration with... See more

Response time

Reviewers mention positive feedback about response times. Customers appreciate quick answers to their... See more

Based on these reviews

Rated 5 out of 5 stars

I had the pleasure of being assisted by Charles Fletcher. Not only was he a master class in professionalism but he was also patient and knowledgeable. I sincerely appreciated his clarity. I am expe... See more

Company replied

Rated 5 out of 5 stars

I’ve had ongoing issues with Reflex Credit Card and was honestly feeling frustrated after multiple attempts to resolve them. But today, I had the pleasure of speaking with Andrew and it completely cha... See more

Rated 5 out of 5 stars

My problem was resolved quickly and efficiently by a friendly worker named Brian Delubo (I think that was his last name). Just needed to remove an authorized user and he took care of it quickly so I c... See more

Company replied

Rated 5 out of 5 stars

Although I had to be given to different departments when I finally got the correct person he was VERY HELPFUL AND REVERSED THE LATE FEE I WAS CHARGED. I tried to pay a week earlier but since I was wai... See more

Rated 5 out of 5 stars

Christian Angelic helped remove the block on my cards (my FIT and REFLEX) and was very polite, quick, efficient and informative in regards to the policy the cards have when returned payments are done!... See more

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Rated 5 out of 5 stars

Your associate was professional, courteous, and efficient in clearing ip6my concerns in less than 5 minutes I hope all your people are that well trained . Thanks ag6 William Stearns

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Rated 5 out of 5 stars

Your representative answered all my questions in a professional and courteous manner. He was patient with me as I had mislaid my new card and wanted to find it. No problem. Very commendable employe... See more

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Rated 5 out of 5 stars

I spoke with a representative and told her that I was charged a return fee for 30.00 for a payment method that is not attached he’d to my auto pay method in seeing I pay on time and never miss a payme... See more

Company replied

Rated 5 out of 5 stars

The agent said I had a beautiful name first of all! And secondly, she answered my questions in the most professional, polite and efficient way I saw fit. Thank you Reflex Mastercard!

Company replied

Rated 5 out of 5 stars

Advocate was able to answer my questions and concerns about an schedule payment,did not process on time for due day. I scheduled a new payment today, and was not showing updated. Advocate assisted m... See more

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Rated 5 out of 5 stars

I was on hold for a good bit of time but once I got through both customer service reps were friendly and knowledgeable and helped me in just a couple of minutes.

Company replied

Rated 5 out of 5 stars

I have been in the Veterans Hospital in Minneapolis, Minnesota and I was late in making a payment. Also the Government is closed therefore I am not receiving my Veterans check. So I was helped very... See more

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Rated 5 out of 5 stars

The gentleman who answer my call was one of the most congenial people I have talked to in a while. He was so thorough and polite with all his questions and the service was 100% plus, but the most impr... See more

Company replied

Rated 5 out of 5 stars

Customer service rep very helpful. The reason I am cancelling is because I am getting charged fees for a card I can’t even use as I never received a new card after the one I had expired in 2024.

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Rated 5 out of 5 stars

Customer service representative was very knowledgeable and honest, patient as I asked many questions, kind and professional and her tone was very pleasant. She did not come across as she was trying to... See more

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Rated 5 out of 5 stars

I really enjoyed talking to Zahnare...she was very pleasant to talk to and all of her help and kindness... and answered all of my questions and fixed my issue... and I am always so grateful to talk to... See more

Rated 5 out of 5 stars

Fast and Excellent customer service. Explained the difference of the charges and credits to my account associated with fraud protection. Helped me understand that all the unauthorized charges were bei... See more

Company replied

Rated 5 out of 5 stars

What made my experience great, was the Customer Representative, she was not only professional, but she was also kind. A resolve to the issue was found quickly which helped to relieve the issue and ten... See more

Company replied

Rated 1 out of 5 stars

Absolutely terrible! Not only do they charge you a yearly fee of $125, they also charge you a monthly fee of $15. On top of that if you don’t make your payment by 5 o’clock on the day it’s due they... See more

Rated 1 out of 5 stars

Company states no phone # on file. Umm there is a phone number on file. I was told to send email to back office which I did with a copy of phone bill so they could see my # never changed. All I do... See more

Rated 5 out of 5 stars

The process to make a payment online was very easy. The agent who assisted we was very professional and quick. So, I recommended to people to use it.

Company replied

Rated 5 out of 5 stars

Quick and fast service with the rep. You all need to have representative as a option at the same time as you get your balances

Company replied

Rated 5 out of 5 stars

This young lady was very experienced and much more helpful than the previous individual I spoke with. I greatly appreciate her assistance in guiding me through a difficult situation and allowing me to... See more

Rated 1 out of 5 stars

Please don't waste anytime getting this card. Credit Karma recommended this card and it was probably the worst card I have ever had. I would strongly recommend not getting it. They closed my account w... See more

Rated 5 out of 5 stars

My Reflex Rep was very understanding of my issue do to the Government shut and was was going to wave my late charge. Thank you

Rated 5 out of 5 stars

Th agent that help me was very knowledgeable with my situation and was helpful in reaching a solution!!

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Rated 5 out of 5 stars

She was very polite and explained everything very patiently. I really appreciate her service.

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Rated 5 out of 5 stars

called and agent immediately waived the late fee on account.very Professional and a great exper

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Rated 5 out of 5 stars

I am doing well except its early and i am awake. Can i get a virtua card to use for online purches until i get my card in th mail

Company replied

Rated 5 out of 5 stars

I would rate reflex to be excellent 10/10 highly recommend because they are always concerned about your ability to not be able to pay and have flexible payment arrangements to help you get back on you... See more

Rated 5 out of 5 stars

This time I had the best service in long time I really appreciate the help and the patience to help me with my situation thank you so much….

Company replied

Rated 5 out of 5 stars

When I asked if they would wave my late fees so I would be back on track he was very friendly , he was.very concerned . He did all he could to get me back on track.I have been with Reflex for quite so... See more

Company replied

Rated 5 out of 5 stars

The customer service agent I spoke with today was very friendly, professional and efficient. She was patient with my questions while assisting me.

Company replied

Rated 5 out of 5 stars

She was wonderful and was able to resolve all my credit cards issues. She was very acknowledged.

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Rated 5 out of 5 stars

The rep really took the time (and patience) to break everything in my statements for the past 2 months down for me. I truly appreciate her!!

Company replied

Rated 1 out of 5 stars

Declined despite adequate credit for gas. Unreliable. Fraud filters created denials at merchants within a 1 mile radius on a Sunday morning. I closed 1 card and anticipate closing this one as well.

Rated 1 out of 5 stars

Customer Service representative was horrible, didn't help me with my issue and she gave me bad information!!

Rated 5 out of 5 stars

Had a hold on my account for security purposes. Christian was awesome in assiting me getting it resolved.

Company replied

Rated 5 out of 5 stars

I was able to get assistance with my current situation and was provided with a workable solution.

Rated 5 out of 5 stars

Transition was issue free, the card services team that assisted me was quick and professional.

Company replied

Rated 1 out of 5 stars

I have a reflex card in which the interest is about 45 a month plus their new monthly fee.. With that being said as a customer of 4 years , I expect better customer service . I paid my March bill..... See more

Rated 1 out of 5 stars

I thought issue was resolved but I am still getting emails stating that my card payment is late, even though I sent bank confirmation showing that payment was made.

Rated 5 out of 5 stars

Wonderful representative! Knew her job very well and helped me resolve my problem quickly.

Company replied

Rated 5 out of 5 stars

Christine, the representative I was most fortunate to handle my issue, was friendly, understanding, sympathetic, knowledgeable, respectful and helpful. She was able to explain everything to me clearly... See more

Rated 5 out of 5 stars

Well spoken and courteous customer service assistance. Easy fix to my account problems!

Company replied

Rated 2 out of 5 stars

My elderly Mother has been a customer of Continental Finance (Reflex Mastercard) for several years. Over a year ago, she hired a local company to apply a Sealant and fill in cracks that were no longe... See more

Company replied

Rated 5 out of 5 stars

Awesome customer service. Friendly, courteous! Answered my question quickly!!

Company replied

Rated 2 out of 5 stars

I received my card after being approved. I activated it online and it showed in my portal. I tried to use it once at the store and it got declined, I thought oh well new card maybe I needed a pin. A m... See more


Company details

  1. Non-bank financial service

About Reflex Mastercard®

Information provided by various external sources

COVID-19 Important Update: We understand our customers may be experiencing concern and uncertainty around the COVID-19 virus. We are closely monitoring the situation and are committed to supporting our customers. We recommend that all customers use their online account access or mobile app to manage their account conveniently 24/7.

A highly rated financial services company, Continental Finance Company is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. The Reflex Mastercard® comes with a host of features designed to help customers build or re-establish credit, including $0 Fraud Liability, a Free Monthly Credit Score, and a possible Credit Limit Increase after just 6 months.

Contact info

4.8

Excellent

TrustScore 5 out of 5

11K reviews

5-star
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1-star

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Rated 5 out of 5 stars

My card declined and they fixed it…

My card declined and they fixed it right away

9 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

Very helpful

Very helpful, excellent customer service

9 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you for your feedback!

Rated 5 out of 5 stars

When I asked if they would wave my late…

When I asked if they would wave my late fees so I would be back on track he was very friendly , he was.very concerned . He did all he could to get me back on track.I have been with Reflex for quite sometime. They are a great company.

8 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

Very well taken care of

Young lady very kind and professional

8 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 4 out of 5 stars

Reflex card advisor was very…

Reflex card advisor was very professional and helpful with explaining my situation .

8 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

Great Credit Card Brand

Great Credit Card company to work work with. Excellent customer service.

8 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Great! This is just what we want to hear. Thank you so much for being a loyal customer. We value you!

Rated 5 out of 5 stars

Courtesy excellent

Courtesy excellent

7 April 2026
Unprompted review
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

Experience was great

Great experience good customer service

7 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

Payment for credit card 💳

Very good for making payments towards credit card 💳.

6 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

The gentleman who answer my call was…

The gentleman who answer my call was one of the most congenial people I have talked to in a while. He was so thorough and polite with all his questions and the service was 100% plus, but the most impressive was his personality and is willingness to help give him a raise. He deserves it.

4 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

The Reflerx company is a very great company to be with I would like to Thank all and I will be glad to tell my friends and family about the company Thanks again

The Reflex company is a great company to be with I am very pleased with the quality and I Thanks you all very much I would be glad to tell my friends and family about the company Thanks again

3 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

Very very professional I appreciated…

Very very professional I appreciated the help very understanding ❤️

2 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

Rated 5 out of 5 stars

Your customer Service member was prompt…

Your customer Service member was prompt and courteous

3 April 2026
Reflex Mastercard® logo

Reply from Reflex Mastercard®

Thank you so much for sharing your experience! We are happy to hear you were taken care of and everything worked out for you. We are always here if you need us.

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