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Money & Insurance

The Build Card

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103 reviews

4.6103 reviews
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About The Build Card

Data updated
Website
thebuildcard.com
Category
Money & Insurance
Location
United States
Status
Unclaimed
Last 12 months
12 reviews
Replies to negative
64% (7/11)
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About this business

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 Build Card 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.

Is The Build Card legit?

The Build Card (thebuildcard.com) has a 4.6 out of 5 rating on OK.one, based on 103 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 10% are 1 star; The business has replied to 64% of negative reviews; 12 of them were added in the last 12 months. Last updated 2026-08-26.

What people say

A few months ago

A few months ago, I lost my job of 16 years, went through a divorce, and lost my son in the same year. I called to ask if they had credit protection, which I thought I had purchased when applying for the card. The person I spoke with was not empathetic or somehow thought I was lying; however, she told me I could make small monthly payments. I told them that, at that time, I had to find a place because I lost everything to my ex-husband and had to pay spousal support. So, I said that I didn't feel confident enough to do so because I had already exhausted my savings and was waiting on severance. She wasn't trying to hear it and was not helpful. I called numerous times and requested that my accounts with Verve and Cerulean be closed. When I am being transferred to that department, they hang up on me. I am so over this company.

Reply from The Build Card2024-08-13

We are so sorry to hear about the frustration you experienced. As a company, we put great importance on the quality of our products and services. We would like to get in touch with you to resolve your concerns but were unable to locate an account. Would you mind providing us with your contact information at [email protected], so we can better research your concerns.

Excellent Customer Care

The customer care representative was phenomenal! She answered all my questions and took the time to make sure that she understood the problem I was telling her about. It’s great when you reach someone that takes the time to HEAR you. Thanks so much.

Reply from The Build Card2024-07-08

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.

I have used this card for years with no…

I have used this card for years with no problem. I even just had a credit limit increase. Now everytime i try to use card it’s declined. The story is always same that it hit fraud filters. I’ve used at these sites before with no problem. One is rock auto a trusted site and pay pal which there is no way pay pal triggers fraud alerts . I have never missed a payment. So tell me truth as to why it’s being declined instead of lying to me

Reply from The Build Card2024-06-03

We sincerely regret the frustration you experienced with your card declining. This is not the experience we want for our customers. We value the feedback you provided and appreciate the opportunity to reach out to you personally to discuss a solution to your concerns.

I’m have had this card for a few years……

I’m have had this card for a few years… no yearly fee. All the sudden I get something in the mail indicating there is now a yearly fee of $145 and the interest rate is increasing by almost 10%. I’ll be paying this off and closing the account

Reply from The Build Card2024-05-20

We are so sorry to hear about the frustration you experienced. As a company, we put great importance on the quality of our products and services. If you would like to discuss your concerns further, please contact us at [email protected], so we can better assist you.

The representative went above and…

The representative went above and beyond to assist me. Because of him I was able to get my rental car. He stayed on the phone until the process was complete.

Reply from The Build Card2024-03-07

Thank you so much for the kind words! I’m glad we were able to get your issue resolved. We will give a shout out to the employee who assisted you.

Was pleased with the phone call, until I paid my other bill.

It's too bad the phone call I made 2/5/2024. I called to find out why my Build master card available balance was not yet there. I always pay it on the first on the month if not before and it's usually there the next day. I was told because it was paid by a checking account it would take 7-9 days. Hmm! Never in my life of owning this card has this happened. I asked Courtney if this was something new? She replied No! I just paid my Reflex...owned by the same company, my available is there already. Not sure where this crock of BS is coming from? I was going to leave a fantastic review! Really having a second thought now.

Reply from The Build Card2024-02-08

Thank you for the feedback and for the opportunity to resolve this matter directly with you. We look forward to continuing to serve you in the future!

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