Credit Cards
Destiny Mastercard® Review: Designed to help you move forward
Build credit like a pro with the Destiny Mastercard® Credit Card! Ensure a smooth application process and achieve your financial goals!
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The Destiny Mastercard is a credit-building card that can assist in rebuilding your credit
As you’ll note in this review, Destiny Mastercard® can be a powerful tool for credit rebuilding, providing access to credit, and creating a conducive environment for the development of responsible financial habits.
Even with a low credit score, it is possible to apply for this card, plan your financial life, and move forward.
| Credit Score: | 300 – 669; |
| Annual Fee: | $175 in the 1st year; $49 after; |
| Purchase APR: | 35.9%; |
| Cash Advance APR: | 35.9%; |
| Other Fees: | Monthly – $0 first year, $12.50 after. Cash Advance – 5% per transaction. Foreign Transaction – 1% per transaction. Late Payment – Up to $41; |
| Welcome Bonus: | N/A; |
| Rewards: | N/A. |
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The Destiny Mastercard® credit card in action
Finding a card that doesn’t require an initial deposit and a high credit score can be a challenge.
If you’ve had financial problems that have lowered your credit score, you may want to consider getting the Destiny Credit Card to rebuild your credit.
The Destiny Mastercard doesn’t have benefit programs like cash-back or the best or lowest rates on the market.
Still, it is a way for you to build a positive credit history and increase your credit score with regular and on-time monthly payments.
Key advantages and possible limitations
Consider this card if interested in establishing or rebuilding your credit.
Check out the advantages and disadvantages below to decide if the Destiny Mastercard® aligns with your financial goals.
Positive aspects of the Destiny Mastercard®
- Accessibility – Easily attainable for individuals with limited or poor credit, including those with prior bankruptcy. The minimum requirements are being at least 18 years old and having a valid Social Security number.
- Credit bureau reporting – The card reports to the three major credit bureaus, namely Equifax, Experian, and TransUnion. Utilizing the card responsibly is likely to impact your credit scores positively.
- Mastercard ID Theft Protection – Mastercard offers identity monitoring to help prevent identity theft by actively monitoring the usage of your social security number, email addresses, usernames and passwords, and other relevant information.
- Zero Liability Protection – You are not held accountable for unauthorized charges made with your Destiny Mastercard.
Challenges with the Destiny Mastercard®
- Fees – Certain maintenance fees may be applied before you start using your card, diminishing the initially available credit amount.
- High APR – Unsettled balances remaining after the due date will incur a high interest rate, rendering it costly to maintain a balance.
- Low Credit Limits – This credit card comes with a lower initial credit limit compared to other cards, and the annual fee is subtracted from your credit limit.
- No Rewards – You won’t accrue any cash back or points on your card purchases.
Your blueprint for getting the Destiny Mastercard®
The first step in obtaining a Destiny Mastercard® is to assess your eligibility.
The next step is to complete an application form, which can be done online.
Provide accurate information, including personal and financial details, to avoid delays or rejections.
Once you have been approved, you will receive a contract detailing the terms and conditions of the card.
Must-have qualifications for the Destiny Mastercard®?
To apply for the Destiny Mastercard and secure approval, applicants need to fulfill the following criteria:
- Be at least 18 years old.
- Have a valid social security number.
- Provide a physical address and a US IP address.
- Not have a prior Destiny Mastercard account that was charged off due to delinquency.
Furthermore, applicants must satisfy credit qualification standards, involving an assessment of their income, debt, and identity verification.
All credit histories, including those with a previous bankruptcy, will be taken into consideration.
Routes you can follow to apply for the Destiny Mastercard®
At this time, there is not an apply-by-phone option but you can complete the online application form to get started.
Completing your application online
- Visit the official Destiny’s Card website;
- Scroll down until you find the “Apply Today” button and click it;
- You’ll be taken to a page where you’ll need to enter your application code.If you don’t have one, you will need to check that you are pre-qualified for this card (you can find out how to do this on the home page of the website; just click on the ‘Pre-Qualify Today’ button);
- If you already have the code, simply enter it. Then enter your postcode as requested;
- Then simply click on “Get Started” at the bottom of the page, follow the bank’s steps and submit your application;
- Once submitted, just wait for approval.
Try the Fortiva® Credit Card Review for a different experience
If you need help fixing or building your credit and Destiny Mastercard® doesn’t look like a viable and best option for you, there are other alternative credit cards.
So check out the Fortiva® Credit Card, and discover how it can be a good choice for your financial life! Keep reading and learn more!
Fortiva® Credit Card Review
Achieve your credit score goal – Fortiva® Credit Card will help you achieve your dream credit! Quick and simple process!
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