Discovering the Destiny Mastercard: Your Ultimate Guide to Benefits and Features

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The Destiny Mastercard stands as a valuable financial tool designed specifically for individuals looking to rebuild or establish their credit history.

Unsecured Credit Card

No security deposit required to open an account, unlike secured credit cards.

Credit Bureau Reporting

Activity reported to all three major credit bureaus (Experian, Equifax, and TransUnion) to help build credit.

Quick Pre-qualification

Check if you pre-qualify without affecting your credit score with a soft credit inquiry.

Accessible Approval

Designed for individuals with less-than-perfect credit who are working to rebuild.

Mastercard Benefits

Global acceptance and standard Mastercard benefits including Zero Liability Protection for unauthorized charges.

HOW TO REQUEST

As an unsecured credit card, it offers the convenience and purchasing power you need without requiring a security deposit making it more accessible than many secured alternatives in the credit-building market.

What sets the Destiny Mastercard apart is its focus on providing credit opportunities to those who may have been overlooked by traditional banking institutions.

FAQ

What credit score do I need for the Destiny Mastercard? +

The Destiny Mastercard is designed for individuals with fair to poor credit (typically FICO scores between 550-650). However, approval depends on various factors including income and existing debt obligations.

Is a security deposit required? +

No, the Destiny Mastercard is an unsecured credit card, which means no security deposit is required to open an account.

What are the fees associated with this card? +

The card has an annual fee that typically ranges from $59 to $99 depending on your creditworthiness. There may also be additional fees for late payments, returned payments, or cash advances.

What is the APR (Annual Percentage Rate)? +

The Destiny Mastercard generally has a variable APR of around 24.90% to 29.99%, which is higher than average but typical for credit-building cards.

What is the initial credit limit? +

Initial credit limits typically range from $300 to $500, based on your creditworthiness.

Can my credit limit increase over time? +

Yes, your account may be reviewed periodically for credit line increases based on your payment history, overall credit profile, and income.

How does this card help build my credit? +

The Destiny Mastercard reports your payment activity to all three major credit bureaus each month. Making on-time payments and maintaining a low credit utilization can positively impact your credit score over time.