The Destiny Mastercard is created for consumers wishing to establish or rebuild their financial standing without the need for a security deposit. Because of this feature, it’s a desirable choice for people who wish to raise their credit rating but do not have the money up front for a deposit. To provide you with a fair assessment, we will look at the reviews’ positive and negative aspects.
Michael S.
Texas
After having problems with my credit score, I looked for ways to fix it. The Destiny Credit Card looked good, especially since it wasn’t protected, and applying for it was easy through DestinyCard.com Activate. The acceptance process was easy, and I was given a $700 credit limit to begin with. I was surprised, though, by the $175 yearly fee that I had to pay the first year. That hurt my credit available right away. This card refers to all the major credit bureaus, which can help you improve your credit score. However, the 35.9% APR means that you shouldn’t keep a balance. In general, it’s a good way to rebuild credit, but it costs a lot.
Jessica L.
California
I got a pre-approved deal for the Destiny Mastercard, so I chose to use it to improve my credit score. I got approval fast and the application went well via the MyDestiny Mastercard site. The card offers comforting advantages like 0% responsibility for illegal transactions and security against identity theft. But the mix of a limited credit limit and exorbitant fees makes it less enticing. The annual charge reduces the available credit, hence the card provides nothing more than basic credit-building tools without a rewards program. To prevent interest costs, I intend to use it carefully and pay off the debt each month.
David R.
Florida
The Destiny Card gave someone trying to repair credit after bankruptcy an easily available route free from demanding a security deposit. Using DestinyCard.com Activate, the application procedure was simple and I was authorized with a $700 credit limit. Although the yearly charge is hefty, I value that my good payment record is recorded to all three main credit agencies, therefore improving my credit score. Although the card does not have a rewards program, building a strong credit history more than makes sense for my present requirements.
Sarah P.
New York
I am sorry I signed up with the Destiny credit card. Given the tiny $700 credit limit, the $175 yearly fee in the very first year is outrageous. Furthermore among the greatest I have seen is the 35.9% APR. The customer service has been far from ideal, often contradicting information is given. For people trying to improve their score without such great expenses, I believe there are superior choices accessible.
Emily N.
Illinois
My credit was not great, but the Destiny Mastercard had a simple application procedure through MyDestinyMastercard, and acceptance was fast. Positive aspects of the card include its nationwide acceptance and zero fraud responsibility. However, it’s essential to handle the card sensibly due to the hefty annual fee and APR. I’ve avoided interest costs by setting up recurring payments to make sure I never have a debt. When utilized properly, it’s a good instrument for establishing credit.
Robert T.
Ohio
I was lured from the Destiny Credit Card because I wanted to improve my credit. After a quick and easy application procedure via DestinyCard.com Activate, I was granted a $700 credit limit. The $175 annual charge, however, drastically lowers the amount of credit that is accessible, and the 35.9% APR is alarming. Furthermore, it is less attractive than other credit-rebuilding cards due to the absence of a rewards scheme. Although it fulfills its function of informing credit bureaus, I am cautious to suggest it due to the expenses involved.
Anna M.
Georgia
My credit history made it difficult for me to get accepted elsewhere, but the Destiny Mastercard offered a chance without demanding a security deposit. MyDestinyMastercard made the application process simple, and I was granted a $700 limit on my credit card. Although the hefty annual charge is a disadvantage, I have seen an improvement in my credit score over time thanks to the card’s reporting across the trio of credit agencies. To avoid the hefty interest rates, I pay off the debt each month and only use the card for small transactions.
Conclusion
The Destiny Mastercard provides a path for people looking to improve or rehabilitate their credit, including features like unrestricted credit access as well as reporting to significant credit agencies. Users frequently voice complaints about excessive yearly fees, high annual percentage rates, and low credit limits, nevertheless. Before determining whether the Destiny Credit Card fits with their credit-building objectives, potential cardholders should carefully analyze these elements as well as their financial habits.