Activate your Destiny credit card: Benefits of Destiny card
If you have bad credit, the Destiny credit card is the right choice for you. Using this credit card, however, has both advantages and cons. We've put up a Destiny credit card review so you can decide whether it's worth buying or not. Pre-qualification takes less than a minute with the Destiny Mastercard, and all transaction history is reported to the main credit agencies, including Experian, Equifax, and TransUnion. It's an unsecured credit card with a 24.90 percent fixed APR and a $59-$99 annual fee.
In this article, we'll go over the main features of the
Destiny Mastercard, as well as its downsides and advantages of using it. It
also includes instructions on how to Activate or register
a Destiny credit card.
Review of
the Destiny Mastercard Credit Card
Having a Destiny MasterCard has various advantages, including
identity theft protection as well as zero liability protection. If there are
advantages present, it always comes with a set of disadvantages as well. Let's take it one step at a time to gain a
complete understanding.
Benefits of
the Destiny Master Card
The credit card has one significant advantage that other
cards may lack. The Destiny MasterCard does not require a high credit score to
be obtained. This card is also available to people with bad credit.
·
You can use all of the benefits of this MasterCard
without making a security deposit.
·
It will also work if your credit score is less than
excellent.
·
If you maintain your account stable, your credit
history will improve automatically.
·
You can find out whether you are eligible for this
card in less than a minute.
·
All three major credit bureaus will receive your
records.
·
It has a monthly maintenance price of $0 to pay.
·
In addition, there is a one-time application cost of
$0.
On purchases and balance transfers, the Destiny Mastercard
offers low-interest rates. You will, however, have to pay a $59-$99 annual
cost. This card has a $300 credit limit, and you'll be billed annually on the
first billing statement.
Activate
your Destiny credit card by following this procedure
After receiving their new card, consumers who were authorized
for a Destiny Mastercard can activate it online at the MyDestinycard
activation website. Cardholders can activate their cards either online or by
contacting customer service.
Now that you've received your new credit card in the mail,
you can activate it by following these simple instructions:
· Visit https://destiny.myfinanceservice.com/ for more information.
·
If you are a first-time user, you may create an
account by clicking the Register link to create an online Destiny Mastercard
login – You'll need to fill in the following information-
·
Account number (your account number is the same as the
one on your Destiny Mastercard or payment statement).
·
Year of birth
·
Number appointed by the Social Security
Administration.
·
Click the blue Next button to continue.
·
Make a username for yourself.
·
Make a password for yourself.
·
Create a set of questions and answers.
·
Your card should be correctly authorized when you've
followed the web instructions and completed each section, and you'll have
created an online account from which you may manage your MasterCard.
·
You can now view your credit card account information
at any time by visiting the mydestinycard.com website and entering your
Username and Password. It may be accessible from any computer or mobile device
with an internet connection and a browser.
Username or
Password Retrieval
You can use the troubleshooting tool on the MyDestinycard
login page if you forget any part of your login credentials:
·
Click on the option given there, “Forgot your Username
or Password". You can find this option from the drop down menu.
You will
need to enter the information given below-
·
Username
·
Your account's last four digits
·
A number allocated by the Social Security
Administration
·
Year of birth
·
Select the blue button. Button "Submit"
Enter the
following information to request a username:
·
Contact information via email
·
Your account's last four digits
·
The number allotted by the Social Security
Administration
·
Year of birth
·
You can finally submit it by tapping on the Bluetick
button.
Log in to
your Destiny card
You can now manage and monitor your account information online
at any time of day because you have an online account. With your
mydestinycard.com login, you'll have access to the following features-
·
Account access is available at all times.
·
Online bill payment is completely free.
·
Statements that aren't printed
·
Every night, the account balance is refreshed.
·
If online payment is received before 5 p.m. Pacific
Time, it will be paid on the same day it was received; if it is received after
5 p.m. PST, it will be credited the next day.
·
Configure account notifications.
·
Increase your credit limit by requesting it.
There are a few drawbacks that you should consider as we are
considering all its great points.
Drawbacks
of Destiny credit card-
The Destiny MasterCard features a high annual charge as well
as a high annual percentage rate, which is a major disadvantage. Aside from
that, there is no reward program with this credit card. You won't be able to
earn perks the same way you may with other credit cards.
The Destiny Mastercard charges a 1% foreign transaction fee,
which means that if you make a purchase outside of the United States, you will
be charged 1% of the total amount. You can choose over-limit coverage, but
there is a $40 over-limit cost. If you spend more than the $300 maximum on this
card, you'll be charged $40 in over-limit fees. This can lead to a bad credit
score. The fixed APR on the Destiny Mastercard is 24.90 percent, which is more
than other credit cards in the United States.
Destiny MasterCard
vs. Other Secured Cards
1. Benefits - The Destiny MasterCard offers
zero liability protection as well as identity theft protection. Other credit
cards, such as the Platinum Prestige MasterCard, offer extended warranty
coverage, purchase protection, and other benefits.
2. Annual fee - When compared to other credit
cards, Destiny Mastercard has a high annual fee of $59-$99, whereas other
credit cards carry an annual fee as well, but most of them provide a $0 fee for
the first year.
3. Rewards and Sign-up Bonuses - Unlike
other credit cards, the Destiny Mastercard does not have a rewards program or a
sign-up bonus.
Requirements
for a Destiny credit card-
Anyone looking to rebuild their credit can apply for the
Destiny credit card. You must meet the following requirements to be
pre-qualified or approved-
·
You must be at least 18 years old to participate (19
in AL).
·
Possess a current Social Security number.
·
Have a physical address in the United States and a US
IP address.
·
Not having had a Destiny Card charged off owing to
inactivity.
·
Additional credit qualification requirements, such as
a review of your income and debt, as well as identity verification procedures,
must be met.
Pre-qualifying for this unsecured credit card on behalf of
First Electronic Bank and Genesis FS Card Services is quick and simple. Making
on-time payments, especially in the first few months, will help you develop
credit and improve your credit limit. Your Destiny credit card can also be used
anywhere Mastercard is accepted. Cardholders can access their accounts from any
device via the customer portal, which is available 24 hours a day, 7 days a
week. You may set up notifications, request paperless statements, view
transactions, and pay bills online. Online, you can set up autopay with monthly
payments as well as one-time payments.
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