Almost every credit card provider target individuals who have a good credit score. But, not much thought is given to providing services to people who have a somewhat bad credit score.
However, the Destiny Credit Card is made, especially for people having a low credit score. The card is perfect for people who want a credit card with Mastercard’s purchasing power and want to repair their credit scores.
Are you one of those who want to demonstrate that you can bear the financial responsibility that banks, credit score enterprises, and other financial money lending enterprises look for? Then, this card is a perfect option for you. In this blog, we have collated all the information related to the card and how you can apply for one.
Features Of The Card
The Destiny Credit Card is perfect for those with imperfect credit and is searching for the path to improving their credit score. By making regular payments, individuals can improve their credit and payment records as the payment history is reported to the three major credit bureaus.
Cardholders also get Mastercard benefits like the Mastercard ID Theft Protection™ that provides thorough identity monitoring covering social security numbers, bank accounts, web logins, and much more.
The card also has chip technology for additional fraud protection.
How To Apply?
There are two ways to apply for a Destiny Credit Card. In the first method, individuals can check if they pre-qualify for the card. For this, head to Destiny’s website and click on the ‘Pre-Qualify Now’ button shown on the page.
This will open up an application form where basic details need to be entered. Depending upon the credit profile, an applicant will be eligible for one of the several Destiny Credit Cards.
The second method is for individuals who have already received a mail offer. Such individuals need to click on the ‘Apply’ button below the ‘Received a Mail Offer?’ quote on the homepage.
This will lead to an invite page where the individual needs to fill in the Application code they received in the mail and their ZIP code.
Interest And Other Charges
Depending on the Destiny Credit Card, individuals will incur the following charges.
Plat - 100 credit card
- Annual Percentage Rate (APR) for purchases: 24.9%.
- APR for cash advances: 29.9%.
- Penalty APR: 29.9%.
- Due date: 25 days.
- Minimum interest charge: No less than $0.50.
- Annual fee: $59.
- Cash advance fee: Nil for the first year, $5 or 5% of the transaction amount, whichever is greater, from the second year. (Not exceeding $100).
- Foreign transaction fee: 1% of each transaction in US dollars.
- Late payment fee: Up to $40.
- Overlimit fee: Up to $40.
- Returned payment fee: Up to $40.
Plat - 101 credit card
The Plat - 101 credit card has the same charges as the Plat- 100. The only difference is that the Plat -1010 card carries an annual fee of $75 for the first year and $99 thereafter.
Eligibility Criteria
To be pre-qualified or approved for the Destiny Credit card, an individual must be eighteen years of age (nineteen in AL). They should have a valid social security number, a physical address, and a US IP address.
Additionally, applicants should not have a history of their Destiny Mastercard Account being charged off due to misconduct or wrongdoing. They should also meet additional qualification criteria. This includes a review of the applicant’s income and debt history.
Also read: Learn How to Apply for a Bank of India Credit Card - Domestic Card
Contact Information
Need more information about the Destiny Credit Card? Contact any representative using any of the details mentioned below.
Address: 15220 NW Greenbrier Pkwy, Suite 220, Beaverton, OR 97006.
Toll-Free Phone: 1-844-222-5695.
Conclusion
The Destiny Credit card is more of a credit repair and builder card than a regular credit card used for shopping purposes.
With monthly reporting to three major credit bureaus, be sure that you will land in the good books and be eligible for better banking and financial credit services, such as mortgages and car loans, in the future. To know more about the Destiny Credit Card, you can visit their website.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the terms and conditions page before agreeing to anything.
