Credit Card Review & Application

Continental Finance Matrix Discover credit card (UnSecured)


out of 5

- The Continental Finance Matrix Discover® credit card accepts individuals of all credit types
- No application fees or processing fees
- Use your card at locations everywhere Discover® is accepted
- Free online account access 24/7
- Fast and easy application process; results provided in seconds
- Build positive credit by making monthly payments on time

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 29.99% *
Annual Fee: $75*
Card Issuer: Service Credit Union
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Card for Bad Credit
- Co-Branded Credit Card
- Instant Decision Card
Credit Needed: Bad Credit OK*


The Continental Finance Matrix Discover® credit card offers an easy way to get a real credit card without being denied due to poor credit. The application is available online. Multiple financial data points will be verified to provide the credit. When an unsecured version of the card is offered, there is no security deposit required to get the card.

Many credit cards require a high credit score or feature a prepaid card. The Unsecured card is neither. It is designed specifically for those with fair to poor credit who are looking to gain a real credit card. The card is not prepaid - it will allow people to make purchases on credit. When the statements come, the cardholder will only be responsible for a percentage of the balance. To avoid paying the interest rate, however, the balance can be paid in full.

When a cardholder gets the card, they will have a low line of unsecured credit. When the monthly payments are made on time and the credit limit is watched, it will be possible to build credit. The account can also be reviewed from time to time to get a credit line increase. As credit improves, a person will be able to get better Discover cards with higher credit lines and more features.

The card is affordable. There are no application fees to apply for the card. The low credit line will ensure that monthly payments are low as well. The card also reports to the three credit bureaus on a monthly basis. This makes it possible to build a positive credit history faster.

Discover is widely accepted around the world. The card can be used online, over the phone and in person to make necessary transactions. Millions of merchants accept the card, which is why it's a solid credit product. There is online access to the account 24 hours a day, 7 days a week.

A person can log on with their secure username and password. Online, it will be possible to view account balance, credit line availability and more. Statements can be printed or downloaded. Customer service can be contacted. Bills can be paid online, saving time and money.

The application will ask for basic personal information. Within minutes, the application can be submitted for processing. Once the card has been submitted, information will be quickly verified. A person can receive a credit decision within a few minutes.

If the card is granted, a person will expect to get the card within a few business days. The card can be activated and features will begin immediately.

Other Benefits: *See Terms and Condition
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 29.99% *
Annual Fee: $75*
Grace Period: 25 days*
Min Credit Line: $300
Late Payment Fee: $35.00*
Over Limit Fee: $35.00
Balance Transfer: No
APR Cash Advances: 29.99%
Cash Advance Fee: 5.00%
Minimum Fee: $5.00
Opening Minimum: $0.00
Application Fee: $0.00
Additional Fees Foreign transaction fee: 3%
Monthly maintenance fee (billed annually): $144
Returned payment fee: $35.00
We do not offer online application for this card at the moment.

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† The information provided for Continental Finance Matrix Discover® credit card (UnSecured) is believed to be accurate at the time of evaluation (Jul 2, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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