Destiny MasterCard is an unsecured credit card issued by First Electronic Bank and serviced by Genesis FS Card Services. It is designed for people with less-than-perfect credit scores. This Card helps people to improve their credit score and borrow good amounts. Destiny MasterCard is made for bad credit, so it does not require any security deposit.
Furthermore, it can be used in over 100 countries and territories. And accepted anywhere MasterCard is accepted online, in-store and in-app. Destiny MasterCard charges an annual fee and an APR of 24.90%. It also offers amazing benefits to cardholders including zero liability protection and theft protection.
To apply for the MasterCard, you just need to visit https://www.destinycard.com/. However, you are prompted to go through the Prequalify process to check whether you are likely to be approved for the card.
If you need a MasterCard to help improve your credit score, the Destiny card might be the right option. Follow this article to the end to know everything about this card.
Destiny MasterCard Reviews
The Destiny MasterCard is a credit card that allows you to make purchases in-store, online, in-app, and makes online payments. As a Cardholder, you can manage the card and check transactions using https://www.destinycard.com/ the official website.
All you just need to do is register an account on the website after collecting your card. Once you do this, you will be able to check your balance, see statements, make payments and redeem your rewards at go. Destiny MasterCard has different benefits and drawbacks. Check them below.
- Online Account Access.
- Setup Autopay.
- You don’t need a high Credit score to get approved.
- People with prior bankruptcies and fair credit may qualify.
- Report your payments to the three major credit bureaus.
- No security deposit.
- EMV chip added for peace of mind.
- Offers Pre qualifying to let you know if you are qualified for the card.
- Prequalifying does not impact your credit score.
- Use Card Wherever MasterCard is accepted.
- It charges an annual fee of $59-$99 annual fee.
- No introductory or rewards program.
- Cardholders are subject to high-interest rates.
Destiny MasterCard helps to provide amazing benefits and build credit by reporting to all 3 major credit bureaus monthly. The above listed are the Pros and Cons of Destiny’s credit card.
Destiny Card Prequalify
Just like I have mentioned above, before applying for the MasterCard you are prompted to prequalify. This will let you know if you are likely to be approved for the card. However, the prequalification won’t affect your credit score. Below are the steps to do that;
- Open your web browser and go to destinycard.com or https://www.destinycard.com/pre-qualify.
- On the pre-qualify page, enter your name, address, email address, phone number, Date of birth, and social security number.
- Review the terms and conditions.
- Now, click on ‘’Pre-Qualify Now’’.
The Annual fee that you pre-qualify for will be decided based on the issuer review of your credit profile. If they are unable to match you up to a Master Card, you may pre-qualify for a Credit card issued by another bank. However, if you received a Mail offer, you just need to enter the application code, and your Zip code and get started.
Destiny MasterCard Application
To apply for a Destiny Master card, you must have received an offer in your mail after pre-qualify. This mail will contain all the necessary information you need to apply for the card. Here are the steps to apply for a Destiny credit card online;
- Visit https://www.destinycard.com/invite.
- On the home page, click on “Get started” and “received a Mail offer”.
- Enter the Application Code in the mail into the blank provided space.
- Now, enter the Zip code.
- Click on Get started and follow the on-screen instructions.
After this process, you just wait for the MasterCard to get delivered to your Home Address. In most cases, your card will arrive within 14-15 business days after approval.
Destiny Master Card Online Account
Once you receive your MasterCard, you need to register for an account online. This account will allow you to manage your account conveniently. You will be able to pay bills, check your balance, view your statements, and more. Follow the below steps to create/register Destiny Master Card online account.
Note; you can go to destiny.myfinanceservice.com to register an account. You can also decide to visit the Destiny Master Card official website at https://www.destinycard.com/.
- On the Official Destiny Master Card website, click on “My Account”.
- You will be directed to the destiny.myfinanceservice.com page automatically.
- Under the login option click on “Register your Account”.
- Enter your Card Number, Date of Birth, and Social security number into the blank provided space.
- Now click on “Continue to Next Step” and follow the on-screen instructions to complete.
Now, you can purchase products in-store, online, in apps, and make your payments. The online account will allow you to manage your credit card transactions in your comfort zone.
Destiny MasterCard Login
You can easily activate the MasterCard online by logging in to your account. The login page requires your details to grant you access to your account. So, to make use of your account anytime, you just need to log in with your required details. The following is how you can easily log in.
- Go to the Destiny Card login page directly.
- Enter your valid username and password into the required space.
- Now click on “Login” to access your account.
After you have logged in, you will be able to manage the account anytime you want. You can change account information such as passwords and automatic payments. In addition, to change your password and username, just visit destiny.myfinanceservice.com and click on ‘’Forgot your Username or Password’’ under the login option.
How to Make Payment
By making regular payments, you will be able to demonstrate a good payment history that can help you build your credit score. And to do that, the process is very simple. All you just need to do is visit the Destiny Master Card website and log in to your account.
After that, click on the “Make a payment” widget to make your payment online. Also, you can call customer service over the phone to make a payment. Or you can check the payment address to make payment via mail.
Destiny Credit Card Customer Service
You can contact customer service by logging in to your online credit card account. On the homepage, scroll to the bottom of the page and click on ‘’Contact us’’. There you will find the customer service contact information. Customer services are available 24/7 for all your complaints and issues regarding MasterCard.
How to Reset the Destiny Master Card Username and Password
To reset your account username and password, just visit the Destiny Card login page. On the login page, click on “forgot username or password”. After that, enter the required information into the blank provided space and click on ‘’Reset Password’’ or ‘’Request Username’’. Now, follow the on-screen instructions to complete the process online.
What is Destiny a Credit Card Limit?
The Credit limit for Destiny’s card is $300. And unlike other credit cards on the market, you cannot get or request a credit card limit increase. It is an unsecured card for people with bad or fair credit. However, If used well, it can help you build your score. In time, you will qualify for MasterCard with higher credit limits.
Is Destiny MasterCard a Good Credit a Card?
This is a MasterCard for your everyday needs. If you have an interest in establishing and rebuilding your credit, it is definitely the right option for you. It offers protection benefits and no security deposit. And with this credit card, you don’t need to make balance transfers.
Can I Apply for Credit Card Over the Phone?
At this time, you can not apply for the MasterCard over the phone. Make sure you complete the online pre-qualification form to begin. All the application processes can be done on destinycard.com.
Does Destiny MasterCard have an App?
The Destiny MasterCard does not have a mobile app. So, to pre-qualify or apply for a credit card you need to visit destinycard.com. Generally, everything you need to do can be done on Destiny Card using any comfortable smart device.