Cerulean Mastercard®

Awesome customer service

Awesome knowledgeable customer service

Very helpful and professional

Very good customer service

Sunny BUnited States · 1 review · Experienced 2026-07-20 · Posted 2026-07-21

I know it's unsecured, but just DON'T!

I got this card because it was an unsecured option, and I was trying to build my credit, but please know there are far better options and I highly advise you guys to not get this card! I have been trying to pay my balance off for 8 months but the interest and fees are SO high that it's nearly impossible to do. So the insane amount of money I'm going to end up spending is not worth the few points it gave me on my credit score. Also I have 6 other cards for example and this is by far the most expensive one. Lastly, I've been a cardholder for about 1.5 years now I just don't feel safe giving the last 4 of my social and account # online.

Great customer service!

Angelica was very helpful

Angelica was very helpful, professional, and friendly! I was having issues with registering my card online and she was able to help me troubleshoot and get it fixed!

The person I spoke with was very kind

The person I spoke with was very kind, efficient and knowledgeable.

I didn’t realize how expensive this card really was

I got the Cerulean Mastercard when my credit was not good and I could not get approved for better cards. At that time, it helped me build credit, so I understand why cards like this exist. But after reviewing my statements, I was shocked by how much I was actually paying. My card has a 35.90% interest rate, a $125 annual fee, and a $12.50 monthly maintenance fee. That is about $275 per year in fees before interest. When I added up my statements, I had paid about $330 in fees and $203.39 in interest, for a total of more than $533 during 2025 and the first six months of 2026. That is a lot of money for a card with only a $1,000 credit limit. The customer-service representatives may be helpful, but people should understand the true cost of this card before applying. It may help when you cannot qualify for anything else, but once your credit improves, this card becomes very expensive to keep. I am now paying it off and plan to close it. I wish I had looked more carefully at the annual fee, monthly fee, and total interest much sooner.

Fast response and great customer…

Fast response and great customer service! Thank you!

The representative was really helpful…

The representative was really helpful on everything I needed

thank you so much

thank you so much, for understanding my hardship

Screwed for just making a payment.

I\nDo not appreciate that , but you bank at so high to make a payment, On a debit Card or the cost to do so. You f*** me all over. However, Let girls today was fantastic And knew what she was doing. I will be cutting it up because of that. However, I can't blame her or any other worker I've ever talked to.

This credit card company is awful and a…

This credit card company is awful and a total rip off. I'm going to focus and get this account down to zero and close this account. If your looking to rebuild your credit don't choose this company. Go with Capital One or Premier.

I had a problem with a company not…

I had a problem with a company not refunding from a canceled purchase and called to get help from my credit card company. They were very helpful.

The gentleman I spoke with on the phone…

The gentleman I spoke with on the phone was very nice and very helpful

The other day one of your nicest…

The other day one of your nicest employees called just a friendly reminder to let you know your payment is coming up which I really appreciate a lot especially sometimes you can forget especially when you get old Well I was having a really bad day until your employee called just to let me know and she stayed on the phone and talked to me after she let me know and she was one of the friendliest customer service employees I have talked to in along time let’s just say she put a BIG SMILE ON MY FACE THAT DAY I JUST WANT TO SAY THANK YOU THANK YOU FOR SUCH EXCELLENT CUSTOMER SERVICE KUDOS TO THIS AWESOME BANK WHO REALLY CARES ABOUT THERE CUSTOMERS. THANK YOU AGAIN TO THE LADY I TALKED TOO I JUST WANT HER TO KNOW HER KINDNESS WENT ALONG WAY WITH ME. A GREAT BANK TO DO BUSINESS WITH!

Operator was courteous polite and…

Operator was courteous polite and genuine with assistance and time answered my questions with a good understanding of what I was concerned about THANK YOU

She is very nice and I rate her EXCELLENTrecommend her

She is nice I recommend her

Great service…

Great customer care!

Agent was very understanding and knowledgeable about my missed payment. I am very grateful.