The destiny credit credit is an unsecured card for people with imperfect credit. It is a great way to rebuild your score with a small line of credit. The credit limit for this card is $300. If you are already a customer, you may login at www.destinycard.com or get a review by scrolling down.
What is the credit limit for Destiny?
You get an initial limit of $300. This allows you to make your payments on time for a minimum of 6 months and may qualify you for other credit card offers. By making on time payments, it will show creditors that you can manage revolving credit. Destiny Credit Card can be used as a stepping stone to get higher credit limit from other card providers.
What Bank Owns Destiny MasterCard?
It is owned by First Electronic Bank. Founded in 2000 and headquartered in Salt Lake City, Utah. This bank is FDIC insured.
How Can I Qualify?
The Destiny Credit Card is for people who have lower credit scores or what is considered bad credit. A low score can be caused by repossessions, bankruptcy, loss of income or failure to pay bills on time due to circumstance mentioned.
What Score Is Needed?
You may qualify with a score as low as 300. All credit types are welcomed to apply. Also, you can prequalify with no impact to your credit score. Make sure to input all the correct information on your application. Double check and add all your income also.
What Are The Card Benefits?
You receive all the benefits of a regular MasterCard without a security deposit. This means you do not use your own money to establish a credit limit on the card. Also, your payment history is reported to all 3 credit bureaus Experian, Equifax and Transunion. 24/7 account access is available online or through the app. Enjoy an quick application process with fast decisions on approval.
What Are The Annual Fees?
The annual fee for the Destiny MasterCard is from $75 yearly. This amount is taken out once your card is activated. There is also a $40 late payment fee.
What Is The Apr?
The Annual Percentage Rate is 24.90%.
Does Destiny Credit Card Offer Increases?
There is no chance of credit increases. You may apply for other credit cards once you have good payment history.
How Long Does It Take?
You can receive your card within 14 business days or sooner. Rebuilding your credit can take months to see increases. Keep your utilization rate low.
How Do I Make My Payments?
You can visit your account online and login to make payments at www.destiny.myfinanceservice.com.
Genesis FS Card Services, PO Box 4477 Beaverton, OR, 97076.
Can I Cancel My Destiny Credit Card?
Yes, but it is not recommended. Canceling with an unpaid balance will be considered a charge-off. Please pay your balance in full before closing your account. If you are having difficulty making payment, call them.