@Mechie
A config file is written after first boot, automatically by MatriX - it contains all configuration settings (MatriX can be fully configured via its menu system - no text editor necessary) - this e.g. stores the configured LED brightness and so on.
An empty SDHC card (no SDXC) with a FAT32 filesystem is all that is needed for the first start.
Two ideas:
a) cold solder joint on the core board, just as Andy described - please measure the connections from every SD card pin to the top of the Waveshare board. I’ve seen plenty of interconnection problems to the waveshare MCU, so this is a valid potential problem.
b) (my main suspect): a potentially “burnt” or damaged sd card slot - it happened to me before - then an insertion event of a SD card is not detected anymore - it might be necessary to replace the sd card holder.
Before going into a replacement operation (a hot air reflow station highly recommended, e.g. an 858D clone for around 30€ is absolutely sufficient), please check with more/different SDHC cards, that are formatted with FAT32 - it might be that a particular card does not work, but to me it sounds like a broken SD card slot.
You’ll find it! Good luck and many greets!
Peter