As we’ve already mentioned, many credit-building cards require you to pay a security deposit, but Destiny doesn’t. This limit can’t be increased during your account’s lifetime - even if you’re paying your bills on time. With the Destiny Mastercard, you’re looking at a credit limit of $500. But let’s dive a little bit deeper into the card details. That means you may be better off with a secured card in some cases. However, this card has a relatively low credit limit and lacks rewards and many cardholder benefits (like cash back or the potential to increase your credit limit). Generally speaking, the Destiny Mastercard could be a good fit for people who have poor credit and don't want to pay a security deposit to open a new credit card. Also, you can’t have previously had a Destiny Mastercard that was charged off because you missed payments.Īpart from those key requirements, this is a pretty inclusive card that most customers will likely get approved for.Īll the details of the Destiny Credit Card These include the requirement to have a valid Social Security Number (SSN). Destiny will then perform a soft credit check - the type that won’t affect your credit score.Īlthough you don’t need great credit to get the Destiny card, you’ll still need to meet the eligibility requirements. When asking for pre-approval, you’ll need to enter in a few basic details about yourself. If you're interested in getting the Destiny card, you can find out whether you’ll qualify by going through a quick pre-approval check. You can generally get approved for a Destiny Mastercard even if you’ve declared bankruptcy or you have a low credit score. Others, however, might consider it a good thing because it keeps them from spending above their means. credit card, you can get a limit of up to $1,000.įor some customers, a low credit limit is a bad thing. For example, with both the Surge Mastercard and the thimbl. That’s only half the size of some of its competitors. That makes it an affordable way to start your journey toward better credit.īecause any on-time payments you make toward your Destiny account get reported to the three big credit bureaus, the responsible activity you use the card for should help you build a better credit score over time.Īnother thing that makes the Destiny Credit Card stand out is that it has a relatively low credit limit of $500. It’s also worth noting that you won’t have to pay a security deposit to open a new account with Destiny - so, if you’re strapped for cash and want to avoid setting up a card with a big deposit, the Destiny Mastercard could be an option worth exploring.Īlso, unlike some other credit-building cards, Destiny doesn’t require a deposit. You should get a quick response on whether you qualify without it affecting your credit score. If it sounds like you fit into this category and you want to find out more, the process of pre-qualifying for the Destiny Mastercard is fast and simple. In fact, you might even qualify if you’ve previously filed for bankruptcy. You aren’t going to need a high credit score to qualify for the Destiny Mastercard. That means this card might be the right option for you if you have fair or poor credit and want to start improving it. The Destiny Credit Card (or the “Destiny Mastercard”) is ideal for credit building. This guide will explain who the Destiny Credit Card is for, spell out the Destiny Credit Card fee structure, and explain how to apply for the Destiny Mastercard. The Destiny Credit Card can be a great option for many people - but just like any other credit card, it’s important to bear in mind its pros and cons. If you’re looking to start building your credit (or repair some damage that’s already been done), you may have stumbled upon the Destiny Mastercard.
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