Destiny Credit Card

The Destiny credit card is primarily aimed at those with bad or limited credit, looking for a way to rebuild their credit history, but it is also an excellent option for those who want to simplify their finances.

Offering an excellent initial credit limit and no need for a security deposit, the card stands out among others intended for the same audience. It also carries the Mastercard brand and offers great advantages.

Keep reading to learn more about all the benefits of this card and check out the step-by-step guide to applying for it today!

About the Issuer

The Destiny Card is issued by First Electronic Bank, a financial institution known for offering products that meet the needs of those with less-than-perfect credit.

They understand the challenges faced by individuals trying to rebuild their financial lives and provide specific solutions to help these consumers. First Electronic Bank stands out for its commitment to transparency and focus on products that help improve the financial health of its clients.

They ensure that credit reports are sent to the three major credit bureaus, facilitating the credit-building process. Additionally, the bank strives to offer accessible and efficient customer service, helping users manage their accounts practically and securely.

Benefits

Ease of Access: One of the biggest attractions of the Destiny Card is the ease of qualification. Even with a poor credit history or a prior bankruptcy, you can be approved, making this card a good option for many who face difficulties obtaining credit.

Credit Reporting: The Destiny Mastercard reports your credit activities to the three major credit bureaus: Equifax, Experian, and TransUnion. This means that by using the card responsibly, you can see significant improvements in your credit score over time.

No Security Deposit: Unlike many cards designed for those with poor credit, the Destiny does not require a security deposit. This frees up your money for other needs while you work to improve your credit.

Fraud Protection: As part of the Mastercard network, the Destiny Card offers fraud protection, helping keep your transactions secure and protected from unauthorized activities.

Destiny – Fees and commissions

The Destiny card comes with transparent fees, and it is essential that you carefully check what they are at the time of application. Currently, the APR for purchases and cash advances is 35.9%, which is considered high.

There is an annual fee of $175 for the first year and $49 for subsequent years, as a measure to prevent potential losses if customers do not pay their bills. Additionally, this fee allows the card to be granted to a larger number of people.

Card limit

The initial credit limit is $700, which is a great amount considering its focus is on serving people without a good established credit history. This limit can help manage expenses and avoid excessive debt accumulation but may be limited for those who need greater credit flexibility.

After a period of responsible use of your Destiny card, your profile will significantly improve in the financial market. This will open doors to obtaining other credit cards with greater benefits and limits.

How to apply for Destiny

To apply for the Destiny card, follow these steps:

1. Go to the official Destiny Mastercard website;
2. Check all the information about it;
3. Click on “Apply Today”;
4. Fill out the application form with your personal and financial information;
5. Submit the application and wait for the decision, which is usually quick.

How to contact the bank

If you still want more information about the Destiny card, just use one of the following means to access official data:

• Phone: 1-800-583-5698
• Website: Visit the official card website
• FAX: 1-503-268-4711

The Destiny credit card is a useful tool for those looking to rebuild their credit without the need for a security deposit. Apply for yours now and start moving towards a more financially liberating life!