Destiny Mastercard® Credit Score Needed
The Destiny Mastercard® is an unsecured credit card designed for individuals with bad to fair credit. While it is accessible to those who have had credit problems in the past, including bankruptcies, your credit score is just one of several factors that the issuer, The Bank of Missouri, will consider. Understanding all the eligibility criteria can help you assess your approval odds. Read more: The Destiny Mastercard®: Your essential guide to rebuilding credit.
Credit score requirements
The Destiny Mastercard® is positioned for consumers with lower credit scores, typically those in the 500s or low 600s. While a higher credit score will always improve your chances, the card is specifically created to be an option for people with less-than-perfect credit. The bank accepts applications from those who may have had credit issues in the past, including bankruptcies.
Other factors beyond your score
While your credit score is important, the bank will perform a comprehensive review of your financial situation before approving you. Other key criteria include:
- Sufficient Income: You must have enough income to afford the minimum monthly payments on the card, in addition to your existing financial obligations.
- Income-to-Debt Ratio: The amount of income you have compared to your existing debt will be a factor in your approval.
- No Active Bankruptcy: While past bankruptcies may be overlooked, an active bankruptcy could lead to a denial.
- Prior History with Issuer: You will not be approved if you have had a charged-off account with the issuer in the past.
- Personal Information: You must be 18 or older, have a Social Security number, and have a valid U.S. address.
How to check your eligibility
The issuer offers a prequalification process on its website that allows you to see if you are likely to be approved without a hard inquiry affecting your credit score. This is an important step, as it lets you understand your chances before committing to a formal application, which does trigger a hard inquiry that can cause a small, temporary dip in your credit score. If you receive and accept an offer after prequalifying, the hard inquiry will then be conducted.
What to do if you don't qualify
If you are unable to qualify for the Destiny Mastercard®, you can explore other credit-building options. A secured credit card is often a great alternative because the security deposit reduces risk for the bank, making approval easier. You might also consider applying for a credit-builder loan or becoming an authorized user on someone else's account.
Explore key details
For more specific information on the Destiny Mastercard®, explore our more detailed articles:
- The Destiny Mastercard®: Your essential guide to rebuilding credit
- Destiny Mastercard®. Credit Limit Increase?
- Destiny Mastercard® Annual and Monthly Fees
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
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
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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