Do you have imperfect credit? Has it stopped you from obtaining a credit card in the past? Are you hoping to improve your situation in the future?
If you answered yes to these questions, the Destiny Mastercard® may be just what you’re looking for.
- All the benefits of a Mastercard, without a security deposit
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
The Destiny Mastercard®
The tagline of the Destiny Mastercard® says it all:
Destiny is the perfect card for those with imperfect credit
There are many reasons why this is one of the best credit cards for consumers with poor credit. Here’s what you need to know:
1. It’s an Unsecured Credit Card
Forget about applying for a secured credit card that requires a security deposit.
The Destiny Mastercard® is an unsecured credit card, so you’re not required to provide the issuer (First Electronic Bank) with any money upfront. This allows you to hit the ground running.
2. Fast Pre-Qualification
When you find a credit card offer that catches your eye, you don’t want to wait to learn if you qualify. Fortunately, with the Destiny Mastercard®, you can receive a pre-qualification approval within seconds.
Best yet, pre-qualification doesn’t affect your credit score. So, there is no risk in applying (even if you’re denied).
3. Online Account Access and Management
Using a credit card is a big financial responsibility. With the Destiny Mastercard®, you have access to your account online 24 hours a day, seven days a week.
This allows you to review your transactions, make payments, update your profile, contact customer service, and much more.
4. Monthly Reporting
You may have imperfect credit right now, but that won’t be the case forever (as long as you’re financially responsible in the future).
Your account history is reported to the three major credit bureaus (Equifax, Experian, and TransUnion), ensuring that they know you’re using your Destiny Mastercard® in a responsible manner.
Without this, the activity associated with your credit card remains private, so it doesn’t have the opportunity to positively impact your history and score.
Final Thoughts on the Destiny Mastercard®
There are hundreds of credit card offers for consumers with no credit or bad credit. The Destiny Mastercard® fits into this category.
But unlike many other credit cards for consumers with no or bad credit, the Destiny Mastercard® has a lot to offer. Not only is it an unsecured credit card, but it also comes with features and benefits such as 24/7 online account management and monthly reporting to the three major credit bureaus.
You have nothing to lose. Apply for the Destiny Mastercard®, learn more about the terms and conditions, and decide if it’s the best offer for you, your spending habits, and your financial circumstances.