To apply for the Destiny Credit Card, visit their official website at https://www.destinycard.com/invite or https://www.destinyapply.com and enter the application code from your invitation.
Follow the on screen instructions to fill out your personal details and submit the application. Approval is typically quick, but additional information may sometimes be required. This guide aims to streamline your application process for a swift and easy path to becoming a Destiny cardholder.
Contents
Who can apply for the Destiny Mastercard?
Key points about who can apply include:
- Credit Profile: Suitable for those with new or challenged credit profiles, including past credit issues like bankruptcies, late payments, or collections.
- Credit Score Considerations: Applicants with low credit scores, even as low as 500, may qualify.
- Unsecured Credit Card: It does not require a security deposit, distinguishing it from secured credit cards.
- Credit Building: Reports to the three major credit bureaus (Equifax, TransUnion, Experian), aiding in credit building.
- Pre Qualification Option: Offers a pre qualification tool to check eligibility without impacting the credit score.
Apply for the Destiny Credit Card : Without an Invitation
To apply for the Destiny Mastercard, follow these concise steps:
Step 1:- Visit Official Website:
- Go to the Destiny Credit Card official site.
Step 2:- Click ‘Apply Now’:
- Find and click the “Apply Now” button.
Step 3:- Pre-Qualification (Optional):
- Optionally apply for pre qualification with basic info like:
- Name,
- Address,
- Email,
- Phone Number,
- Date Of Birth {DD/MM/YYYY}
- Social Security Number {SSN}
- Total Monthly Income
- Total Monthly Expenses
Step 4:- Complete Application Form:
- Fill in personal and financial details in the application.
Step 5:- Submit Application:
- Send in your completed application.
Step 6:- Wait for Approval:
- A response usually comes quickly; additional info may be needed.
For detailed guidance and to start the application process, visit the Destiny Credit Card website.
Apply for the Destiny Credit Card : With An Invitation
To apply for the Destiny Credit Card with an invitation, follow these brief steps:
Step 1:- Visit the Invitation Link:
Step 2:- Enter Application Code:
- Input the application code and zip code provided in your invitation.
Step 3:- Fill in Personal Information:
- Complete the pre-filled application with your personal details.
Step 4:- Submit Application:
- Send in your completed application for review.
Destiny Mastercard Overview Updated 2023-24
| Feature | Detail |
|---|---|
| Target Audience | Individuals with new or challenged credit profiles |
| Credit Reporting | Reports to all three major credit bureaus |
| Initial Credit Limit | $300 |
| Type of Card | Unsecured |
| Approval Criteria | Lenient, suitable for low credit scores |
| Pre Qualification | Available without a hard credit inquiry |
| Annual Fee | $75 first year, then $99 |
| APR | 24.9% |
What if I am Not Approved?
If your Destiny Credit Card application isn’t approved:
- Contact Customer Service: Call the number in your rejection notice to understand why.
- Provide More Information: If requested, submit additional details to support your application.
- Appeal: You can appeal the decision by explaining any relevant circumstances.
Destiny Mastercard Customer Service
| Contact Type | Details |
|---|---|
| Customer Service | 1 800 583 5698 |
| Fax | 503 268 4711 |
| Technical Support | 1 800 705 5144 |
| Correspondence Address | Concora Credit PO Box 4477 Beaverton, OR 97076 4477 |
FAQs
Q1: What is the Destiny Credit Card?
Ans:- The Destiny Credit Card is an unsecured credit card designed for individuals with new or challenged credit profiles, helping them build or rebuild their credit history.
Q2: How do I apply for the Destiny Credit Card?
Ans:- To apply, visit the official Destiny Credit Card website, click “Apply Now,” complete the application form, and wait for a quick decision. You can also check for pre qualification without affecting your credit score.
Q3: What if my Destiny Credit Card application is not approved?
Ans:- If your application is not approved, you can contact customer service to understand the reasons. You may have the opportunity to provide additional information or appeal the decision to improve your chances of approval.a