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Why The Matrix Unsecured Card By Discover Is Worth It

October 15, 2012 by CreditCardsCo™

It's important to have a credit card for life's emergencies. If you don't have good credit, that's okay. The Matrix Unsecured Card by Discover caters to your situation. You can apply for the card and not have to worry about securing the card, either.

The Application Process

When you're ready to apply for the Matrix Discover card, you can go through the entire process online. You will enter basic personal information about yourself. As soon as your personal information is verified, you will receive a credit decision to tell you if you get a secured or unsecured credit card.

There are no application fees. You shouldn't have to spend money to apply for a credit card. As a result, the application takes even less time to complete. You are almost guaranteed to get the credit card as there is no minimum requirement for a credit score. As soon as you are granted the card, one will be mailed out to you. You can then activate the card and start taking advantage of the many features.

The Benefits Of An Unsecured Card

If you've been approved for an unsecured card, there's no security deposit to put down. This will allow you to get the credit line you've been wanting without having to spend any money in advance. This means that it’s the more affordable option for you. If you have average to fair credit, then this is the benefit that you get to take advantage of.

With the unsecured credit card, you get the buying power of Discover. You can use the card anywhere around the world that takes the card – millions of merchants do. You can make purchases in grocery stores, at gas stations and anywhere else that you want to spend your money. Plus, you can make purchases online and over the phone easily.

Improving your credit will also be easy. The card reports to the credit bureaus on a monthly basis. This includes Experian, Equifax and TransUnion. As you pay your bill on time each month, it will show you are financially responsible. As time goes on, your credit score will slowly start to improve. This will allow you to start taking advantage of more credit opportunities in all aspects of your life.

Features of the Discover Card

The Discover card is worth having in your wallet. Beyond being able to purchase with millions of merchants, there are also other benefits to having the card. These features are valid all year long, making it easier to account for your money, save on purchases and get help when you need it.

  • Online account tools
  • Discounts
  • Customer service

The online account tools provide you with 24/7 account access. You will create a custom username and password. Once you log in, you can quickly find out what your account balance is, what your available credit is and much more. To help you with budgeting, you can look up all of your past purchases on the internet portal. Paperless statements are available. These can be viewed on the screen or downloaded to your computer depending on your preferences.

When you use the online account tools, you can also save time. You can contact customer service by sending an email. You can also schedule your monthly payment within a few clicks of the mouse. This will ensure your payment is never late.

Discounts are always available with a wide array of merchants. When you make purchases online, check on the website to see which online merchants offer discounts to cardholders. You can find discounts, buy one get one offers and much more.

Customer service operates 24 hours a day, 7 days a week for your convenience. You will be given a toll free number that allows you access to live representatives. This makes it easier to ask questions about your account, dispute charges and learn about card features. There is also an automated section that will allow you to learn basic account details when you can't get in front of a computer.


The Discover Matrix Unsecured Card is very easy to apply for. When you want to start making purchases on credit again, this is the card to get. It's not a prepaid card and it's not secured, allowing you to actually make purchases on credit and pay off the balance over time.

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