Destiny Mastercard® Application | Apply Online
To apply for the Destiny Mastercard®, you must use the online application form on the official Destiny Card website. It is an unsecured credit card designed for individuals with bad or less-than-perfect credit who are looking to rebuild their credit history.
Eligibility requirements
To be eligible to apply for the Destiny Mastercard®, you must meet the following criteria:How to apply online
1. Prequalify online: Go to the official Destiny Mastercard® website. Complete the initial form to see if you prequalify for an offer. This step uses a soft credit inquiry and does not impact your credit score.2. Submit the full application: If you receive a pre-qualified offer and choose to proceed, you will complete the full application with all required personal and financial information.
3. Authorize a hard pull: By submitting the final application, you authorize Concora Credit (the servicer) to perform a hard inquiry on your credit report. A hard pull allows them to verify your information and make a final approval decision. This may cause a small, temporary dip in your credit score.
After submitting your application
Who should consider the Destiny Mastercard®?
This card is best for people with bad credit who have exhausted all other options and cannot get approved for a more affordable secured card. If you have no other choice for an unsecured card, it can help rebuild your credit if you use it responsibly. However, it should not be a long-term solution. The goal should be to make timely payments, improve your credit score, and then upgrade to a more favorable card with better terms.Destiny Mastercard®
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, and a path to better credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- An unsecured card great for everyday purchases
- CLICK HERE TO APPLY ONLINE
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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