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1. What is Continental Credit Protection?

Continental Credit Protection (the “Program”) provides innovative credit protection programs to customers serviced by Continental Finance Company. Credit protection programs are designed to assist customers with their credit card payments in the event of a covered event; such as job loss, disability, hospitalization or the death of a cardholder.

2. What benefits does Continental Credit Protection offer?

In the event of job loss or disability the Program covers up to twelve (12) continuous minimum monthly payments for the primary cardholder, one (1) minimum monthly payment for hospitalization and cancels the full balance in the event of death (the lesser of the outstanding account balance on the date of death or $5,000).

3. How did I get enrolled in this/how did this get on my account?

You opted into the Program during your credit card application.

4. How long does it take to process my benefit activation form?

It can take up to ten (10) Business days to receive and process information. If ten (10) Business days have passed, [and you have not received any information regarding your benefits], please contact Credit Protection Customer Care.

5. Why were Continental Credit Protection payments halted on my account?

Payments will be halted if you do not provide the information necessary to continue the claim. For more information, please see the Continental Credit Protection Addendum.

6. How is my Continental Credit Protection charge calculated and billed to my account?

Continental Credit Protection charge is $0.99 for each $100 of your ending account balance each month. So if your statement ending account balance is $200, your charge for the Credit Protection that month is $1.98. The Program monthly charge will be automatically billed to your credit card statement and will appear as a separate line item on your statement. You only pay for the coverage you need. If you have no balance, and make no new charges, there is no charge to your account.

7. How can I cancel Continental Credit Protection?

If the Program no longer meets your needs, you may cancel at any time for any reason. Contact us by phone, email, or through mail. And if you cancel within the first thirty (30) days of your enrollment, any charges billed will be refunded to you. If you cancel the Program after the first thirty (30) days of purchase, you may be provided with up to a two-month courtesy refund. You will not have Credit Protection for the month(s) refunded.

8. When does my coverage begin?

You must purchase and be enrolled in the Program for thirty (30) days before you are eligible to receive benefits. After the thirty-day (30) period, you are eligible to file for a benefit activation if you experience a Covered Event. Covered Events under the Program include involuntary job loss, disability, hospitalization, and loss of life. Any events that occur in the first thirty (30) days of your enrollment are not eligible for benefits under the terms of the Program.

9. Once I am covered by the Program, how can I submit a claim to receive benefits for a covered event?

Simply go to our website at www.CPCustomerCare.com, register and log in to review your Program and open a new benefit activation. Or you can give call us at 866-665-7967, Monday through Friday, 8am to 6pm ET. When you open a benefit activation, we will send you all the information you need in order to file a claim. You may return the form and documents to us by email, regular US postal mail, or you may upload your documents through our website.

10. Once my claim is approved, how are my benefits applied?

Upon approval of your benefit activation, Continental Credit Protection will pay your monthly Minimum Payment Due.

11. Are there any limitations or exclusions I need to know about?

Yes. Please read through the Continental Credit Protection Addendum carefully for a full description of terms, conditions, limitations, and exclusions. The Continental Credit Protection Addendum is available on our website. You can also call us at 866-665-7967, Monday through Friday, from 8am to 6pm ET.