Offered by: Services CU

Continental Finance Matrix Secured Card

  • The Continental Finance Matrix Secured Card allows consumers with limited or no credit files to receive a major credit product.
  • With this card, you will have access to millions of merchants as well as be able to make purchases over the phone and Internet.
  • No application fees.
  • Use your card at locations everywhere Discover® is accepted.
  • Build positive credit by making monthly payments on time.
  • Free online account access 24/7
  • Fast and easy application process; results provided in seconds
573 Average Credit Score Approved for this Card
511 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR



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Not Applicable


* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $5

Balance Transfer Fee


Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $75
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of This Card

Continental Finance Matrix Secured Card Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

15 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

worst credit card ever!

worst credit card i ever had. 30% interest rate and charge you to pay over phone!!

Mar 04, 2014
Not good

I have had this card a little over a year. The purpose was to rebuild my credit. There has never been a late payment on this card. My limit was raised from $300 to $400 in the first year. After the first year I was charged the $75 yearly fee, a $12 monthly maintenance fee, and a $35 late fee. When I called I was told that after the first year the terms are to charge this monthly fee of $12.  I then asked why I had a late fee when the payments are always on time. I was told this would be removed with no explanation, and it was. The next month again a $35 late fee, so I called again. I spoke with a man that was very rude and told me the problem was that I was making my payments to early so it went on the previous biling cycle. Now when you make a monthly payment every month on the first, this just doesn't make any sense. I was then transferred to a manager and he removed the $35 late fee. The manager then told me to make my payments on the 2nd of each month and this would not happen again. So be aware that after your first year you will be paying a $75 yearly fee, a $12 monthly fee, and will need to make numerous calls to have extra charges removed. I will be closing this card even if this lowers my score as these charges are ridiculous. When you are rebuilding credit it is understood that there will be higher fees, but this doesn't have to mean that you should be totally ripped off.  I have not had these problems with Capitol One. Also this card has just changed from Matrix Discover to Matrix Mastercard.

mackinawbridge05's response was:    

  Dec 08, 2013

mackinawbridge05(1, 0)

Review by mackinawbridge05

1 Contributions 0 People Helped

not bad

i've had the card for two years - not bad.....those who complain about the "hold" time on the payment process are the same people who keep their cards maxed out.....of course it's going to bother them that there is a hold. I'm using it to rebuild my credit because i've been there and done need to learn how to use credit cards wisely.

Sep 28, 2013
Not bad Helpful to 1 out of 1 people

I was approved for the hybrid version. I received the  card very quickly and the biggest complaint I have had is the customer service department was somewhat pushy in asking for me to pay the $75 activation fee when I activated. Even though I told them no, I was still able to use this card. I am paying the balance off each month, keeping my card usage below 30%. I have never had them call asking for a payment, (but I also usually pay within a few days after I receive the statement). As far as the payment posting time, I am finding that it shows my payment posted the next business day but does take a week for it to reflect on my available credit. (Since I am spending less than 30% of my credit it isn't an issue)

I have had this card since February and am reasonably happy with it.

imsheribabee1's response was:    

  Jul 17, 2013

imsheribabee1(4, 59)

Review by imsheribabee1

4 Contributions 59 People Helped


My pay ment by checking doesn't post for 7 days.  Continental Finance recommends that I make my payment for $10.95 so that my payment immediately posts!  Ridiculous!  I wouldn't reccomend this card, I'm closing my account with them.

penelopesue61's response was:    

  Jul 02, 2013

penelopesue61(2, 0)

Review by penelopesue61

2 Contributions 0 People Helped

See all 15 Reviews of Continental Finance Matrix Secured Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.