Destiny Apply Pre-Approved Invitation Not Approved: What It Means

If you received a Destiny Mastercard® pre-approved invitation, entered your invitation information, and were not approved, you may be wondering why that happened when the offer was sent to you in the first place.

A pre-approved or pre-screened invitation does not mean that approval is guaranteed. The invitation means you were selected to receive an offer based on information available when the offer was sent. When you actually apply, Destiny can review your current information before making the final decision.

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Why Was I Not Approved for the Destiny Card?

There can be several reasons why an application is not approved even when it started with a pre-approved invitation.

Your credit information may have changed since the invitation was generated. Your current credit profile, income, existing debt, recent applications, or other information considered during the application process may be different from what was available when you were originally selected for the offer.

In other words, the invitation is not a guarantee that you will receive the card. The final decision is made when you apply.

Does a Destiny Pre-Approved Invitation Guarantee Approval?

No. A Destiny invitation should not be viewed as a guaranteed approval.

The purpose of the invitation is to identify consumers who may qualify for the particular offer. You still have to complete the application, and the issuer can make a different decision based on the information available at the time you apply.

This is why receiving a pre-approved invitation and actually being approved are two different parts of the process.

What Should I Do If Destiny Did Not Approve Me?

If you were not approved, you don't necessarily have to stop looking for a credit card. Your next step can be to look at other offers that may be available for your current credit profile.

One option is to use the credit card offer tool below. You can enter your information to see what offers may be available based on your credit situation.

This can give you another way to look for available credit card offers instead of continuing to rely on the Destiny invitation that was not approved.

Should I Apply for Another Credit Card?

If you were not approved for the Destiny card, take a look at the available offers before submitting another application. Different credit cards have different approval criteria, so an application that doesn't work out with one card does not necessarily mean that you won't qualify for another card.

Using an offer tool to see what may be available can also help you compare your options before deciding which application makes sense for you.

What If My Credit Has Changed Since I Received the Invitation?

Remember that your Destiny invitation was based on information available when the offer was generated. If your credit profile has changed since then, the information considered during the actual application may be different.

For example, a new account, a recently reported balance, a change in your credit utilization, or other changes to your credit history could mean that your current profile doesn't meet the requirements for the offer you received.

That doesn't necessarily mean that you won't qualify for any credit card. It simply means the Destiny invitation did not result in an approval at the time you applied.

Final Thoughts

Receiving a Destiny Apply pre-approved invitation can make it seem like approval is already waiting for you, but the invitation is not a guarantee. The final decision is made when you submit the application and your current information is reviewed.

If you were not approved, you can look at other credit card offers instead of continuing to rely on the same Destiny invitation. The offer tool on this page provides another way to see what may be available based on your current credit profile.