Destiny™ Mastercard® - $500 Credit Line
Would you recommend Destiny™ Mastercard® - $500 Credit Line to your friends?
| Community Rating | Mostly recommended |
| Purchase APR (Fixed APR) | 24.9% |
| Balance Transfer APR (Fixed APR) | N/A |
| Credit Score Range | 600 - 850 |
| 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. This review will provide you with with all the details you need to make a good choice.
- 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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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.
| 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 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.
Contact
- Headquarters
-
2150 S 1300 E Suite 400
Salt Lake City, UT 84106 USA - Visit Site
- Email Support
About Destiny™ Mastercard® - $500 Credit Line
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 days |
| 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 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
Destiny™ Mastercard® - $500 Credit Line Community Reviews
Would you recommend Destiny™ Mastercard® - $500 Credit Line to your friends?
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