Why Did I Receive a Destiny Apply Invitation in the Mail?
If you received a Destiny Apply invitation in the mail, you may be wondering why the offer was sent to you. The Destiny Mastercard® is issued by The Bank of Missouri and serviced by Concora Credit Inc.
Destiny Mastercard® offers are marketed to consumers who may be looking to establish or rebuild their credit. A mail invitation is a targeted marketing offer for the Destiny Mastercard®.
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Why Was I Selected for a Destiny Invitation?
Credit card companies and their marketing partners use targeted marketing to reach consumers who may be a potential fit for particular credit card products. If you received a Destiny invitation, you may have matched the criteria used for that particular mailing.
The exact reason you received the invitation isn't necessarily provided in the mail offer. It doesn't necessarily mean that one specific credit score was responsible for the mailing. Marketing campaigns can use different criteria when determining which consumers receive particular offers.
In other words, receiving a Destiny Apply invitation means you were included in the audience selected for that particular marketing campaign. It does not mean that everyone with the same credit profile will necessarily receive the same invitation.
Does Receiving a Destiny Invitation Mean You Applied for the Card?
No. Receiving a Destiny Apply invitation in the mail does not mean that you previously applied for a Destiny Mastercard®.
The invitation is a marketing offer that was sent to you. If you're interested in it, you can review the information provided with the mailer and decide whether you want to respond.
Why Did I Receive a Destiny Apply Invitation? Final Thoughts
A Destiny Apply invitation is a targeted marketing offer for the Destiny Mastercard®. You may have received it because the criteria used for that particular mailing identified you as someone who may be a potential fit for the product.
If you want to know how to use the invitation you received, see our guide:
➤ How to Use Your Destiny Apply Mastercard Offer
If you want to learn more about the Destiny Mastercard® itself, see our Destiny Mastercard® review.
If you received a Destiny Apply invitation and went on to apply but were not approved, see what it means when a Destiny pre-approved invitation is not approved and what options you may have afterward.
Destiny® Mastercard® - Up to 3% Cashback Rewards
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
- CLICK HERE TO APPLY ONLINE
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
Destiny® Mastercard® with Instant Credit
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- CLICK HERE TO APPLY ONLINE
Destiny® Mastercard® with $1,000 Credit Limit
- Get a guaranteed $1,000 credit limit if approved!
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*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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