Are you looking to rebuild your credit or get a fresh start after financial setbacks? The Destiny credit card might be just what you need.
This unsecured MasterCard is designed for folks who’ve hit some bumps in their credit journey – even if you’ve faced bankruptcy before.
The Destiny card, issued by First Electronic Bank and serviced by Concora Credit Inc., offers a chance to improve your credit score.
It reports to all major credit bureaus, allowing you to build a positive credit history with responsible use.
In this guide, we’ll walk you through everything you need to know about the Destiny credit card.
From activating your new card at destinycard.com/activate to logging into your account, making payments, and even applying for the card – we’ve got you covered.
We’ll use simple language and break down complex topics, so even if you’re new to credit cards, you’ll find this guide easy to follow.
Whether you’re holding a new Destiny card or considering applying for one, this article will help you make the most of your Destiny credit card experience.
Destinycard.com/Activate – Login, Support, Payment, Apply
Let’s dive in and explore how the Destiny card can help shape your financial future!
What is the Destiny Credit Card?
The Destiny credit card is an unsecured MasterCard. It’s designed for folks who’ve had some credit hiccups in the past.
Even if you’ve been through bankruptcy, Destiny might still give you a chance. It’s issued by First Electronic Bank (they’re FDIC members) and serviced by Concora Credit Inc.
If you’re trying to rebuild your credit score, the Destiny card could be a good starting point.
They report to all major credit bureaus, which can help boost your credit if you use the card responsibly.
Activating Your New Destiny Credit Card at Destinycard.com/Activate
Got your new Destiny card? Great! But don’t try to use it just yet. When you first get your card, it’s not active. You need to activate it before you can make any purchases or transactions. Here’s how:
1. Online Activation (Recommended)
- Open your web browser
- Go to https://destinycard.com/activate
- You’ll need to log in with your username and password
Don’t have a login yet? No problem. We’ll cover how to register in the next section.
- Once you’re logged in, follow the prompts to activate your card
- You should get a message confirming your card is active
Tip: Make sure your internet connection is stable. If it cuts out, you might get a “session expired” message.
2. Phone Activation
If you prefer talking to a real person, you can activate your card by phone:
- Call 1-800-583-5698
- Follow the voice prompts to activate your card
Destiny Card Account Login
To manage your Destiny card online, you’ll need to log in to your account. Here’s how:
- Visit www.mydestinycard.com or https://destiny.myfinanceservice.com/
- Look for the login form (usually on the right side of the page)
- Enter your username and password
- Click “Log In”
First time logging in? You’ll need to register your account:
- Go to the registration page
- You’ll see two options:
- “I have my 16-digit card number”
- “I don’t have my card number”
- If you have your card number, you’ll need to enter:
- Your 16-digit Destiny credit card number
- Your date of birth
- Your Social Security Number
- If you don’t have your card number, you’ll need:
- Your last name
- Your zip code
- Your date of birth
- Your Social Security Number
- Click “Continue to Next Step” and follow the prompts to finish registering
Destiny Card Account Forget Login Password:
Don’t panic if you can’t remember your username or password. Here’s how to recover them:
Forgot Password:
- On the login page, click “Forgot Password”
- You’ll need to enter:
- Your username
- The last four digits of your card
- Date of birth
- Social Security Number
- Click “Reset Password” and follow the prompts
Forgot Username:
- On the login page, click “Forgot Username”
- You’ll need to enter:
- Your 16-digit account number
- Date of birth
- Social Security Number
- Click “Request Username” and follow the prompts
Managing Your Destiny Credit Card
Once you’re logged in, you can:
- Check your balance
- View statements
- Make payments
- Update your info
- Set up alerts
Making Payments on Your Destiny Credit Card
Paying your bill on time is crucial for building good credit. Here are your payment options:
1. Online Payment (Recommended)
- Log in to your Destiny card account
- Look for the “Make a Payment” option
- Enter your payment amount and bank details
- Submit your payment
Tip: Set up autopay to never miss a due date!
2. Phone Payment
- Call 844-222-5695
- Follow the prompts to make a payment
3. Mail Payment
Send your payment to:
Concora Credit
PO Box 23030
Columbus, GA 31902-3030
Important: Mail your payment at least 7 days before the due date to avoid late fees.
Destiny Credit Card Customer Support
Need help? Here’s how to reach Destiny Card support:
- Phone: 1-800-583-5698 (available 24/7)
- Technical Support: 1-800-705-5144
- Mailing Address: Concora Credit, PO Box 4477, Beaverton, OR 97076-4477
- Fax: 1-503-268-4711
Applying for a Destiny Credit Card
Think the Destiny card might be right for you? Here’s how to apply:
- Visit https://www.destinycard.com/apply-form?cid=359700213
- Fill out the application form with your:
- Name
- Address
- Phone number
- Date of birth
- Social Security Number
- Total monthly income
- Total monthly expenses
- Read and accept the terms and conditions
- Submit your application
Got a pre-approval offer in the mail? Visit destinycard.com/invite to accept it.
Destiny Credit Card Details
Here’s a quick rundown of what you need to know about the Destiny card:
- Card type: Unsecured MasterCard
- Annual fee: $59 to $99 (varies based on creditworthiness)
- Credit limit: Usually starts at $700
- Cash advance fee: $5 or 5% of the amount, whichever is greater
- Foreign transaction fee: 1% of each transaction in U.S. dollars
- Late payment fee: Up to $40
- Returned payment fee: Up to $40
Building Credit with Your Destiny Card
The Destiny card reports to all three major credit bureaus (Equifax, Experian, and TransUnion). This means using your card responsibly can help improve your credit score. Here are some tips:
- Pay on time, every time: Late payments can hurt your credit score
- Keep your balance low: Try to use less than 30% of your credit limit
- Don’t apply for too many cards: Each application can cause a small dip in your score
- Keep the account open: Length of credit history matters, so keep your card active
Frequently Asked Questions
Here are some common questions about the Destiny credit card:
- Q: Who is eligible for a Destiny card?
A: You must be at least 18 years old, a U.S. citizen, and have a Social Security number.
- Q: Can I get a Destiny card with bad credit?
A: Yes, the Destiny card is designed for people with less-than-perfect credit.
- Q: How long does it take to get my Destiny card after applying?
A: It usually takes about 14 business days. If you don’t receive your card within this time, contact customer support.
- Q: Can I withdraw cash with my Destiny card?
A: Yes, but there’s a cash advance fee. Only do this in emergencies as cash advances often have high interest rates.
- Q: Does Destiny offer credit limit increases?
A: Initially, no. But if you use your card responsibly and make on-time payments, you may become eligible for an increase over time.
- Q: Can I use my Destiny card at gas stations?
A: Yes, you can use your Destiny card anywhere that accepts Mastercards.
- Q: Is there a mobile app for managing my Destiny card?
A: As of now, there’s no official mobile app mentioned on the Destiny Card website.
- Q: What credit score do I need for a Destiny card?
A: There’s no specific minimum score. The Destiny card is designed for people with poor to fair credit (scores between 300-669).
- Q: Does applying for a Destiny card affect my credit score?
A: The initial pre-qualification doesn’t affect your score. However, if you proceed with a full application, there will be a hard inquiry on your credit report.
Also Check:
- AmericanExpress.com/ConfirmCard – Activate, Cost, Apply
Conclusion:
The Destiny credit card can be a useful tool for rebuilding credit. It’s relatively easy to get, even with a troubled credit history.
By using the card responsibly – making on-time payments and keeping your balance low – you can start to improve your credit score.
Remember, the key to making the most of your Destiny card is understanding how it works. Keep this guide handy for reference.
Whether you need to activate your card, make a payment, or contact support, you now have all the information you need.
Building good credit takes time and patience. But with consistent, responsible use of your Destiny card, you’re on the right path. Good luck on your credit-building journey!
