Unfortunately, the importance of fair credit scores is often overlooked by many people. As a result, they end up with a poor credit score and get a very high-interest rate when applying for a financing option. Therefore, no matter how much we emphasize the importance of credit scores, it won’t be enough.
Once you have ignored maintaining a fair credit score and ended up in a dead-end street, what to do? How to rebuild your credit score? How do you get better financing options and a credit card with a poor credit score?
Certain financial services providers offer you solutions to rebuild your credit score. Many financial services companies offer unsecured credit cards for people having an average to low credit score. In today’s article, we will talk about a similar company that offers Destiny Credit Card to people looking to rebuild their credit score.
We will talk about the Destiny credit card, qualification criteria, prequalification, applying for a card, making payments, and a lot more. So let’s get into it.
What Is Destiny –Genesis FS Card Services Inc?
Destiny is the registered trademark of Genesis FS Card Services Inc. Genesis Financial Solutions has a private-label credit business under the name of “Genesis Credit.” The company identifies itself as an organization that puts the consumers first. The company offers different financing solutions and direct-to-consumer credit cards. The company has also launched dedicated solutions for small businesses under Genesis Credit Merchant Solutions.
If we talk about the direct-to-consumer credit cards of Genesis FS, Indigo Platinum Mastercard and Milestone Gold Mastercard are also the same company’s products. Destiny MasterCard is the company’s basic MasterCard to consumers who want to rebuild or improve their credit scores.
What Is Destiny Credit Card?
So what is the Destiny Credit Card by the Genesis FS?
As we already mentioned, Destiny Credit Card is not a closed-loop card but a standard Mastercard that can be used for purchases. A significant feature of the card is that it is an unsecured credit card, meaning that people do not need an initial security deposit to get the card. Destiny Credit Card comes under the category of direct-to-consumer credit cards.
Features Of Destiny Card
What do you get when you are a Destiny credit card holder? What are the perks?
What are the maintenance fee and interest rate? What are the pros and cons of being a Destiny credit card holder?
Here is the list of all features or specifications of the Destiny card
Discounts And Cashbacks
There is no reward program in certain when you choose the Destiny card, as this card is mainly focused on rebuilding your low credit score. However, there are certain benefits of having the card that as 5% cashback for the first $5000 spent on eligible gas, internet, grocery, and cable purchases at the end of each financial period. Besides, a 1% cashback is also available on all other purchases. The financial firm gives the cashback reward on commodities and necessities to increase the financial responsibility of the individuals.
Cash Advance Availability
If you want to avail of the cash advance, the fee for the advance taken during the first year is $0. From the next year onward, you will have to pay $5 or 5% of the total cash advance, whichever is higher, as the cash advance fee. However, the total fee is $100 at maximum.
Credit Score Requirement
A good thing about the Destiny credit card is that people with poor to average credit scores can apply and qualify for the MasterCard. According to the reviews of users, if you have a credit score between 300 to 670, you can apply for the card. However, approval is subject to other factors as well.
Soft Credit Check For Prequalification
The company runs a soft credit score check on the applicants. Therefore, you shouldn’t be worried about your credit score getting further lower when applying for a credit card.
High APR
The annual percentage rate(APR) on financing options is around 24.66% which is equal to the average of the market. However, we can call it a higher APR, and the cardholders should return the cash advance in time to avoid the high APR.
Annual Fee
On average, the credit card’s annual fee can range between $59 to $99. Besides, a 1% foreign transaction fee, up to $40 late payment fee, return payment fee, and over-limit fee also applies to certain cardholders who use the relevant services.
An Opportunity To Rebuild Your Credit Score
Since the Destiny Card company reports the credit score of cardholders to all 3 credit bureaus every 3 months, you have an opportunity to improve your credit score. Ensure positive compliance and improve your credit score.
How To Pre-Qualify For Destiny Credit Card?
First things first, you can check if you pre-qualify for the Destiny Card from the official website of Destiny Card. All you have to do is go to the official website of Destiny Card and hit the Pre-Qualify Today button to check your chances of getting approved.
If you meet the following criteria, your chances of pre-qualifying are very high:
- You are an adult of 18 years or above. If you are an Alaska resident, your minimum age should be 19.
- You are a resident of the U.S. with a US-based IP address
- You have a valid social security number(SSN)
- Your income, debt, and related parameters
- If you had a Destiny Card in the past, it must not have been charged off due to delinquency
- Identity checks
How To Apply For Destiny Credit Card?
If you have pre-qualified for Destiny Card, the next step is applying for the credit card. However, remember that prequalification doesn’t guarantee approval for the card but increases your chances of approval.
So here is how to apply for your credit card:
- Once you have pre-qualified, you will get an email notification from the company to sign up.
- Go to the official website, tap on the hamburger menu > Get Started > Received A Mail Offer.
- A new page will open, and you will click on Apply Now. Enter your application and zip code on the next webpage to get started.
- Fill out the form for the information required, and complete the application.
Activate Your Credit Card And Register For Online Access
Once your application is approved and you receive the card, the next step is activation. To activate your Destiny Card, follow these simple steps:
- Visit the official webpage of Destiny Card here.
- Tap on Register Now. Enter the card number, date of birth, and SSN number. Tap on Continue To Next Step.
- Enter the required details, including email, phone number, username, etc.
- Confirm the account and create your username & password for future sign-ins.
Log In To Manage Your Card
Once you have registered for your Destiny card account, here is how to log in and manage your card and payments:
- Visit the official login page of Destiny card here.
- Enter the username and password in the required fields.
- Tap on login.
- You will see the dashboard where you can check your account details, manage payments, and perform other tasks.
How To Make Bill Payments For Destiny Credit Card?
There are four ways you can pay your Destiny card bills:
Via Call
You can call the hotline of Destiny Card to make your payments with automatic prompts. The Destiny card hotline for payments is as follows: 844-222-5695. It is the same number as printed on the back of your card.
Here is how to make your payments via call:
- Check your credit card bill from the online account access.
- Gather all the necessary detail you might have to give on call.
- Make the call and follow the automatic prompts to complete the transaction.
Online
For online payment, sign in to your online account, go to manage payments, enter your bank account & routing number to proceed with the payment, and complete the transaction.
MoneyGram
You can also avail of the MoneyGram service to pay your Destiny Card bill. However, you will have to pay an extra fee for the transaction.
Via Mail
If you want to pay via check or money order, you can pay your Destiny card bill via mail. The mailing address for Destiny Card bills is as follows:
Genesis FS Card Services
P.O. Box 84059
Columbus, GA 31902-30304
Destiny Card Customer Service
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 844-222-5695
Via Mail
Alternatively, you can send your credit card-related queries to the mailing address of Genesis FS Card Services
Payments:
Genesis FS Card Services
P.O. Box 84059
Columbus, GA 31902-3030
Conclusion
We have discussed everything you need to know about the Destiny card, the login process, payments, customer services, and a lot more. We hope this information will help you to get your credit card and take the opportunity to improve your credit score with this unsecured credit card.
