The Destiny Mastercard helps those with imperfect credit build a stronger financial future. As an unsecured card backed by the Mastercard network, it comes with standard features and perks. More importantly, it offers the chance to demonstrate responsible credit habits.
Use it wisely by making payments on time and keeping balances low. Over time, this can strengthen your credit score. The Destiny Mastercard provides an accessible path toward financial growth for less-than-perfect credit holders. With discipline and smart credit management, it can help turn your financial trajectory around.
Benefits of the Destiny Mastercard
The Destiny Mastercard offers several key benefits:
- Accepted nationwide anywhere Mastercard is accepted
- 24/7 access to your account, including on mobile
- Fraud protection against unauthorized charges
- Multiple card designs to choose from at no extra cost
- Account history reported to major credit bureaus
- No security deposit required
- Fast and simple application process
- Opportunities to build credit history
- $700 credit limit
Features of the Destiny Mastercard
In addition to the standard benefits that come with all Mastercards, the Destiny card has some unique features:
Credit Building Opportunities
The Destiny card provides opportunities to build your credit history by reporting your responsible account management to the three major credit bureaus. This includes on-time payments and maintaining a low credit utilization ratio. As you demonstrate responsible usage over time, this can help improve your credit score.
Fast Application and Instant Decisions
Applying is quick and easy with a typical approval decision in 60 seconds or less in most cases. You’ll know almost instantly if you’ve been approved.
Fraud Protection
Have peace of mind knowing you have Zero Liability fraud protection against unauthorized charges. You’ll have no liability for fraudulent purchases made with your Destiny card or account number.
Mobile Account Access
Manage your account conveniently on your phone or mobile device. The Destiny card allows secure 24/7 mobile access to your account balance, transaction history, statements, and more.
Multiple Card Designs
Express your style by choosing from multiple Destiny card designs. You can select the look you like best at no extra cost.
Costs and Fees of the Destiny Mastercard
The costs and fees associated with the Destiny Mastercard include:
- No annual fee
- The 25-day grace period on purchases
- Variable purchase and balance transfer APR applies
- Cash advance fee of $6 or 5% whichever is greater
- Late payment fee up to $40
- Overlimit fee of $40
- Returned payment fee up to $40
Specific card terms are available during the application process. As with any credit card, interest rates and fees can impact affordability if balances are not paid in full each month. Compare costs against other cards and your expected usage to make the best choice.
How to Apply for the Destiny Mastercard
Applying for the Destiny Mastercard is quick and straightforward:
Review Eligibility Requirements
- Must be at least 18 years old
- Valid Social Security Number
- Verifiable income source
Submit Online Application
Complete the application online at destinycard.com. Only takes a few minutes.
Get Instant Decision
Receive a decision in as little as 60 seconds in most cases.
Activate and Use Card
If approved, activate your card when received and use it for purchases or balance transfers.
Meeting eligibility requirements does not guarantee approval. Multiple factors determine approval, including credit score and history.
Activating Your Destiny Mastercard
Activating your Destiny card is simple. Follow these steps:
- Sign Back of Card
As soon as received, sign the back of your card in ink.
- Call Activation Number
Call the toll-free activation phone number located on the card carrier.
- Provide Personal Information
You will be prompted to provide part of your SSN, date of birth, and ZIP code.
- Establish PIN Number
Select and confirm a 4-digit Personal Identification Number (PIN).
Once successfully activated, your card is ready to use anywhere Mastercard is accepted worldwide. You will receive your full card benefits and protections after activation.
Accessing Your Destiny Card Account Online
Managing your Destiny card account online is easy:
- Go to destiny.myfinanceservice.com/activate
- Click “Log In” button
Located at the top right corner of the homepage.
- Enter your User ID and Password
If first time, use SSN as User ID. Initial password provided at card activation.
- Access Account Information
View balance, statements, transactions, make payments, and more!
If you forget login credentials, click “Forgot User ID or Password” link on the login page for help accessing the account.
Making Payments on Destiny Mastercard
Keeping up with Destiny card payments builds a positive credit history. Follow these steps:
Set Up Monthly Auto Pay
- Easiest way to pay on time
- Autopay full or minimum due monthly
- Avoid late fees
Pay Online
- Login account on destiny.myfinanceservice.com
- Select “Make Payment” and follow the prompts
Pay By Phone
- Call 1-844-222-5695
- Available 24/7
- Follow voice prompts
Pay By Mail
- Send check or money order to address on statement
- Include payment coupon from statement
- Allow 5-7 days to credit
Pay In Person
- Take payment to the nearest Credit One Bank branch
- Bring statement for faster processing
Mark the due date on the calendar and pay on time each month. Contact Cardmember Services with any payment questions.
Conclusion
We hope this overview gives you a better idea of what the Destiny Mastercard offers. With responsible usage, it can help open doors for your financial future as you build your credit history over time.
Consider applying if you want an accessible card accepted everywhere and the power to take control of your credit score.
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