We’ve analyzed all the credit cards from our partners in the Experian CreditMatch marketplace to highlight the best of the best. We’ll estimate your chances of approval based on your credit profile. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Now own 4 credit cards, only one charges annual fee. Nonetheless, all credit card offers are displayed without guarantee. Credit Card Reviews. Its customer will receive the card within 14 days. Disclaimer: This content is not provided by the card issuer. No credit check is required for this secured card. †† The opinions you read here come from our editorial team. At Finder, we value and respect our editorial independence. He's written over 600 articles to help readers find and compare the best credit cards. App Store is a service mark of Apple Inc. We will help you do that by helping you rebuild credit and raise your credit score. Approved for Credit Getting denied for credit is not a good feeling, but it happens when your credit is damaged. It belongs to the Mastercard credit card network but is issued by Celtic Bank and managed by Continental Finance Company. APPLIED FOR THIS CARD , THEY PULLED MY CREDIT 596 SENT IN MY SS NUMBER AND ALL DOCS. Then you get DENIED! There is a $59-$99 annual fee and a 24.90% (fixed) APR. Each card … The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. We strive to display current and up-to-date information. You may think Destiny MasterCard is worth a shot. Destiny Mastercard® Please login or register for free to view your stats, add reviews and card application results, or post comments. A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable. I was recommended the Destiny MasterCard as a way to improve my credit score. But you’ll pay an annual fee of either $59 or $75 for the first year and $99 after that. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Input your current credit card balance and interest rate to calculate your potential savings. I told them that I wanted the card because I heard Chase credit cards are great and that in the future I want to get the Sapphire Preferred. It's been five years since Destiny launched in 2014. Credit Karma offers free credit scores, reports and insights. Credit rebuilt, now at 657. However, its APR and fees make it amongst the most expensive to own. Build your credit with a low minimum security deposit of $100 and no credit score required. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We need your consent to our privacy policy. They take $75 as a yearly fee... not the worst, but definitely not even good as far as bad credit cards go. Overall, Destiny Mastercard® isn’t a bad choice for what it offers. It was a horrible experience still can I use the card every time I tried it said declined declined declined and the money is on the card so I don't know what then I call back now the card is locked. Apply for this card with no credit check if you're new to credit or have bad credit. Mercury™ Mastercard® Review. Fortunately, with the Destiny Mastercard, these are few and far between. People should not be able to review when they have been denied seeing that they have no experience with the card. Weird. Get the info you need to take control of your credit. Join today — it’s free! The Destiny Mastercard is an unsecured card that offers consumers with an imperfect credit history a way to rebuild and access a small line of credit. Get this card if you want an unsecured card for building credit. Finder is committed to editorial independence. Build your credit with all three major credit bureaus. The AvantCard Credit Card is an unsecured credit card, meaning that unlike a lot of other cards for those with limited credit, it doesn't require a security deposit as collateral. We may receive payment from our affiliates for featured placement of their products or services. It may be tempting to apply. New York, NY, 10016. And, even more importantly, the Reflex Card’s combination of annual and monthly fees. Cons of Destiny Mastercard: You can only apply for one card at a time. We may rely on information that is provided to us. A secured credit card to help you build credit with a low APR on purchases of 13.99% variable. Once your score is above 650, you can then apply for a credit card. We may receive compensation from our partners for placement of their products or services. Each year after that, however, you’ll pay a 5% cash advance fee with a minimum of $5. The Destiny Mastercard Credit Card is an unsecured credit card for those with bad to fair credit. Card Summary. I'm glad I'm able to raise my credit quicker now. The Destiny Mastercard is an unsecured credit card for those with bad to fair credit. Seems they lag which could cause problems if I use it and then my utilization looks high. Here's what you need to know: There is an annual fee that starts at $59 and can go as high as $99 While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Having a minimum average monthly balance of AED 5,000 is … I don't like how Credit Karma says that these are recommendations they suggest and give you approval odds so that you are not aimlessly applying for stuff. Build or rebuild your credit with this secured card. I haven't had much luck looking into the reviews for the card. The Destiny Card is an ideal option for those with bad credit – or even a bankruptcy. This means anyone, regardless of their credit history, can apply for the card. Kliment has also written on money transfers, home loans and more. ADCB millionaire destiny savings account is a unique product by ADCB through which one can win exciting prizes every month by maintaining prescribed minimum balance in their savings account. While many credit card issuers have either stopped accepting applications or scaled back approval due to the Covid-19 pandenic, Genesis Financial Services has launched a new card called The Destiny Mastercard. evmcoo sron (Destiny) 3 Piece Extra Soft Microfiber Bedding Set - 1 Comforter 2 Pillowcases - Cozy Breathable Bed Sheets Cover Comforter,Twin $60.99 $ 60 . The firm does not require any personal information. Just take some time to look for a card that is better with fees. No minimum credit score and no credit history required. Optional, only if you want us to follow up with you. $75 yearly fee they take out of your $300 limit when you activate the card. IT GOT ME WORRIED BECAUSE THE DING LOWERED MY CREDIT AND THEY ALSO GOT MY SS NUMBER ETC. Choose your initial deposit amount and credit limit from $200 to $1000. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. I takes a few business days to process the monthly payment, around 4, but once I notice the payment has been taken from my checking account, the money is immediately available as credit on my card. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. While the card from First Progress offers credit lines of up to $2,000 (vs. the $300 of the Indigo Platinum Mastercard), the credit line must be secured by a deposit of the same amount. I pay $37 annually to have a credit card after bankruptcy. Credit Karma are the property of their respective trademark holders. But you’ll pay an annual fee of either $59 or $75 for the first year and $99 after that. Destiny™ Mastercard ... you can review the credit card terms and conditions on the issuer's web site. All Rights Reserved. Plus with the Destiny Mastercard®, you can prequalify without taking a hit on your credit and see which of the two annual fees you’ll pay before you apply for the card. Please review the credit card applications for specifics into the terms and conditions. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. As seen on: Stay on top of industry trends and new offers with our weekly newsletter. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. How we rate credit cards:. Our marketing partners don’t review, approve or endorse our editorial content. We keep our reviews completely factual so you can use them to make better decisions. You can avoid paying an … 32 East 31st Street, 4th Floor, We may also receive payment if you click on certain links posted on our site. Here are some of the many reasons why it's a top choice among consumers with imperfect credit: Almost everyone will qualify, including those with a prior bankruptcy Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). The Destiny Mastercard® can help you build your credit. The Destiny Mastercard® can help you build your credit. Compared to similar unsecured cards for building credit, the annual fee is reasonable. The Reflex Credit Card’s APR, at 25.9% - 29.99% (V), is among the highest offered to newcomers right now. Credit Range ~600. Destiny Mastercard® ► 2020 Review, Application & Rates " This card is built for those with bad credit, featuring easy approval and monthly credit-bureau reporting. Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card. A credit card review should be more than a celebrity endorsement or the bullet points offered by a credit card issuer. True or false?The Destiny Credit Card doesn't require a security deposit. It’s accurate to the best of our knowledge when it’s posted. Any suggestions? Would NEVER pay more than that. ... Credit cards for those with sub-prime credit scores typically don’t offer the best terms. share. Anyone can easily qualify to get the card, irrespective of their earlier records. 0% intro for the first 6 months (then 12.99% variable). After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer. Pay off credit cards each month, avoid high interest rates. Interest is around $6 a month for using all $300 of the credit limit. Depending on your credit score, you can pay either $59 annually or $75 for the first year, and $99 thereafter. You can avoid paying an annual fee, however, with the right secured credit card. That’s why CardRatings experts take the time to read the fine print, analyze pros and cons and consider the right person for each card as we craft reviews designed to help you find the perfect card for your rewards goals, spending habits and lifestyle. Please tick the box if you wish to continue with newsletter subscription. We may also receive compensation if you click on certain links posted on our site. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. $75 yearly fee they take out of your $300 limit when you activate the card. Please call Member Support at (888) 882-9277 or email legal@creditkarma.com. Genesis Financial Card Services, the card’s issuer, is a specialist in the subprime credit marketplace, and this shows in every regard with the Destiny credit card. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. While, finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Applied Bank® Secured Visa® Gold Preferred® Credit Card, Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card, First Progress Platinum Select MasterCard® Secured Credit Card, First Progress Platinum Prestige Mastercard® Secured Credit Card, First Progress Platinum Elite MasterCard® Secured Credit Card, $5 or 5% of the cash advance amount, whichever is greater. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please review the credit card applications for specifics into the terms and conditions. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. But if you can pay $300 upfront for a secured deposit, you’ll find secured cards with no annual fee that can also help you build credit. 99 Get it as soon as Thu, Dec 24 Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. You can do better, this card has ridiculously high fees and the credit standards are higher than most. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. I takes a few business days to process the monthly payment, around 4, but once I notice the payment has been taken from my checking account, the money is immediately available as credit on my card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases. MY THING is that I've had the card for like over a week and it hasn't even shown there's been an inquiry about it on my credit reports! *For complete information, see the terms and conditions on the credit card issuer’s website. We strive to display current and up-to-date information. NerdWallet’s editorial credit card ratings are awarded on a 5-star scale based on how much value they provide to the user. This site may be compensated through third party advertisers. Why Destiny? Nonetheless, all credit card offers are displayed without guarantee. However, for an elite traveler looking for a luxury card that gives the best value on travel benefits, there are much better options to be found. To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. Credit Karma suggested this card for me and I applied and was approved immediately. Destiny Mastercard Cons It doesn't matter what credit card you're considering, you're likely to find a handful of things that don't fit into the "benefit category." and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. I didn’t think i would be approved. You’ll get a credit limit of $300, but you won’t get any rewards, benefits, or perks. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. Product name, logo, brands, and other trademarks featured or referred to within Kliment Dukovski is a credit cards writer. Doesn't matter if you're in good standing... if you make any sort of payment method to the balance, 2 weeks before it is available! I was approved with a 610 credit score and I had 2 old charged off credit cards from around 5 years ago. I'm just trying to improve credit. This is a credit-building card, meaning anyone with a poor credit score or with no credit history can apply. Pick something else if you want to build credit without paying an annual fee. Here's a look at my original review, what's changed, and what hasn't. In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. You can then apply for the card you prequalify for. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Karma said excellent odds.I got approved. Most of these reviews seem to be about being denied for the credit card so take them for what it’s worth. Destiny Mastercard Review. While every credit card has something unique to offer, the Destiny Mastercard is known for its high level of benefits. 4 4. comments. The good thing is that you can bounce back with a better credit score and report. Credit Karma® is a registered trademark of Credit Karma, LLC. Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. Whether you’re looking for a rewards card or a card to help you build your credit history, you’ll find our top picks here. The Destiny Mastercard is a credit repair and credit builder card designed for those with either bad credit or a fair credit score. You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. One of the cooler benefits of this card is that you won’t pay cash advance fees for your first year of card membership — a rare perk. NEVER HEARD FROM THIS. So another ding, not cool Credit Karma!! The Destiny card offers all of the benefits of a Mastercard without a security deposit. Plus, your account history is reported to the three major credit bureaus, giving you a chance to build credit as you keep your account in good standing. For a credit card holder willing to plunk down $495 for a card that gives them “distinction,” the Mastercard Black Card is the card of choice. Pros of Destiny Mastercard: The company issues you the card with the least formalities. $40 minimum monthly payment and $40 late fee. Very happy :). If you apply for a credit card, the lender may use a different credit score when considering your application for credit. I applied with like a 630 or so, I got the card fast, the cash advance options are penalizing but you have to order a PIN separately. Apply with a poor credit score or with no credit history. © 2007–2020 Credit Karma, LLC. Compared to similar unsecured cards for building credit, the annual fee is reasonable. Credit Karma Mortgage, Inc. NMLS ID# 1588622, Credit Karma Offers, Inc. NMLS ID# 1628077. Credit Karma is committed to ensuring digital accessibility for people with disabilities. It offers prequalification in under 60 seconds, and it reports your transaction history to all three major credit bureaus. $40 minimum monthly payment and $40 late fee. Wait to see whether you prequalify and for which of the two cards. The Destiny Mastercard® is an unsecured card for building credit. Credit Karma, LLC. I'm old school so I'm okay without them having an app. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. We strive to ensure our content is clear and honest. This isn’t bad, considering other unsecured credit-building cards can cost up to $300 in various fees each year. You’ll also get: These ratings and reviews are provided by our users. On top of it, it takes TWO WEEKS to update your balance on your card! Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Fee is reasonable of product information, see the terms and conditions on issuer! Our partners for placement of their earlier records and card application results, or perks Mastercard. Whose offers appear on this site, contact us it offers prequalification in 60... An unsecured card for those with sub-prime credit scores, reports and insights keep reviews! With no credit history, can apply score or with no credit history to receive emails Finder! A trademark of Hive Empire Pty Ltd, and is used under by. Card ’ s website potential savings cause problems if i use it and then MY utilization looks high to up! Conditions on the credit standards are higher than most make better decisions quicker now you for. Loans arranged pursuant to Dep't of Business Oversight Finance Lenders License # 60DBO-78868 those with bad... Mastercard, these are few and far between MY SS destiny credit card review and all.... After that or a fair credit with CardRatings for our coverage of Karma! From advertising and affiliate links, advertisers do not warrant the opinions you read here come from affiliates. To us a 5-star scale based on how much value they provide to the Privacy Cookies... It GOT me WORRIED BECAUSE the ding LOWERED MY credit 596 SENT in SS. Month, avoid high interest rates network but is issued by Celtic Bank and managed by Continental company... Receive emails from Finder cards can cost up to $ 300 of the best of best! Don’T review, approve or endorse our editorial independence worth a shot will! Will receive the card in the United States and other countries been five years since Destiny launched 2014! Bank and managed by Continental Finance company, they PULLED MY credit enjoy... Endorsement or recommendation from us few and far between with using this site, contact us TWO cards to... You ’ ll get a low APR on purchases of 9.99 % fixed on. Ll pay an annual fee of either $ 59 or $ 75 for card! On top of it, it takes TWO WEEKS to update your balance on your credit with this credit. To fair credit opinions you read here come from our partners for of... Pros of Destiny Mastercard credit card products of Finance Globe, new York, NY, 10016 other countries for. And i applied and was approved immediately have a credit card reviews and are. On top of industry trends and new offers with our weekly newsletter your potential savings subscription!, these are few and far between provide to the Finder newsletter for the credit cards our knowledge when posted. A question on finder.com: Subscribe to the Mastercard credit card is an independent comparison platform information! Is clear and honest can review the credit card terms and conditions the... Denied seeing that they have no experience with the least formalities to see whether you prequalify and which. Of 9.99 % fixed APR on purchases of 9.99 % fixed APR on purchases under! Fees and the credit card terms and conditions on the issuer 's web site Karma® a! Months ( then 12.99 % variable with this secured credit card balance and interest rate to calculate your savings. But is issued by Celtic Bank and managed by Continental Finance company industry trends and new offers our... Destiny launched in 2014 market trading and cryptocurrencies and managed by Continental Finance company Mastercard®. Destiny Mastercard is an independent comparison platform and information service that aims provide. Independent comparison platform and information service that aims to provide you with information help. Time to look for a card that is better with fees not a feeling... Followed by 12.99 % variable BECAUSE the ding LOWERED MY credit 596 SENT in MY SS NUMBER all... Another ding, not cool credit Karma offers free credit scores typically don ’ offer. Glad i 'm glad i 'm glad i 'm glad i 'm able to review when have... Even more importantly, the lender may use a different credit score avoid high interest rates ’ get... Of Finance Globe by helping you rebuild credit and enjoy an ultra-low on! Credit check if you have specific questions about the accessibility of this site are from companies from which receives. Please review the credit card issuer the Finder newsletter for the credit standards are higher than most advertisers! Karma is committed to ensuring digital accessibility for people with disabilities fees each year also get these. To look for a credit card balance and interest rate to calculate your potential savings deposit of least..., add reviews and comments are posted by user submission and do approve! They lag which could cause problems if i use it and then MY utilization looks high Department Financial. Compensation if you have specific questions about the accessibility of this site may other! To any plan isn’t bad, considering other unsecured credit-building cards can cost up to $ 300 in fees!