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Destiny™ Mastercard® - $500 Credit Line Claimed Visit Site

Destiny™ Mastercard® - $500 Credit Line

Claimed
SuperMoney Net Recommendation Score +17  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Purchase APR  (Fixed APR) 24.9%
(Verified 01/04/2023)
Balance Transfer APR  (Fixed APR) N/A
(Verified 01/04/2023)
Credit Score Range 300 - 700
Annual Fee $75 - $99
Number of Reviews 6

Destiny™ Mastercard® - $500 Credit Line Review

This is a credit card issued by First Electronic Bank. If you're wondering whether Destiny™ Mastercard® is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.9%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Destiny™ Mastercard®

The Good The Bad
  • 24/7 access to your account information, even on mobile
  • Quick pre-qualification available with no impact to your credit score
  • Considers applicants with fair credit.
  • Destiny™ Mastercard® - $500 Credit Line reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $99.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Destiny™ Mastercard® FAQ

Does Destiny™ Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Destiny™ Mastercard® benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Destiny™ Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Destiny™ Mastercard® - $500 Credit Line has a fixed purchase APR of 24.9%. It also has a fixed cash advance APR of 29.9% .

Does Destiny™ Mastercard® have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Destiny™ Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Destiny™ Mastercard®?

The following fees apply:

  • An overlimit fee of $40.
Destiny™ Mastercard® Fees
Fees Amount
Annual Fee Starting at $75 up to $99
Overlimit Fee $40
Foreign Transaction Fee 1%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Destiny™ Mastercard® have a foreign transaction fee?

Destiny™ Mastercard® charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Destiny™ Mastercard®?

The Destiny™ Mastercard® customer service number is (866) 322-8008.

What is the support contact email for Destiny™ Mastercard®?

The support contact email for Destiny™ Mastercard® is information@firstelectronic.com.

What is the Destiny™ Mastercard® login page?

You can access the Destiny™ Mastercard® login page here.

How do people rate the customer service and user experience of Destiny™ Mastercard®?

Overall, Destiny™ Mastercard® is mostly recommended based on community reviews that rate customer service and user experience.

Does Destiny™ Mastercard® - $500 Credit Line report your account activity to credit bureaus?

Yes, Destiny™ Mastercard® - $500 Credit Line reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Destiny™ Mastercard®

  • Visit the Destiny™ Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Destiny™ Mastercard® - $500 Credit Line Disclosure: See terms. Fraud protection is provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms of your card.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Destiny™ Mastercard® - $500 Credit Line

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View all credit cards offered by First Electronic Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) $5 - $100
Foreign Currency Transaction Fee 1%
Annual Fee $75 - $99
Minimum Interest Charge $1
Over-Limit Fee $40
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 29.9%
APR Type Fixed APR
Balance Computation average daily balance (including new purchases)
Credit Limit $500
Purchase APR (Fixed APR) 24.9%
(Verified 01/04/2023)
Card Type
  • Bad Credit
Card Network Mastercard

Destiny™ Mastercard® - $500 Credit Line Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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