If you have had money troubles that caused your credit score to drop, it can be hard to get a credit card without putting down money first. For people who do not have a good credit score, the Destiny Mastercard is a good option.

Destiny Mastercard is a type of credit card that does not need money upfront and is for those people who do not have a perfect credit score or who have had bankruptcy before.

The credit card is issued by Concord and is quite basic; it is supposed to help you build up your credit score. Keep in mind that the Destiny Mastercard has some fees you need to watch out for, like a high interest rate, an annual fee, and a higher monthly fee after the first year.

If you want to own a Destiny Mastercard, then continue reading this article. We have provided all the information related to the Destiny Mastercard.

Prequalify for Destiny Mastercard

If you want to have a Destiny Mastercard then first, you need to prequalify for it by filling out the prequalification form. The form is designed to check your eligibility for the card. You can easily fill out the form by following these steps:

  • Go to the official website of Destiny Mastercard –  destinycard.com/home
  • Then on the screen click on the Apply Today button.
  • On the next page, you’ll see an application form; fill out all the information in the required fields.
  • Enter your Name, Address, Email, Phone Number, Date of Birth, Social Security Number, Total Monthly Income, Total Monthly Expenses.
  • Then go through all the additional information and click on the Accept button to proceed with the application form.
  • At last, click on the Submit Application button to complete the application.

Once you qualify for the Destiny credit card, within 14 days, you’ll receive your Desitny credit card via post. To use the credit card, you need to first activate the card at destinycard.com/activate.

How to Activate Destiny Mastercard at destinycard.com/activate

When you receive your Destiny MasterCard after passing the qualification, the first thing you need to do is activate the card at destinycard.com/activate so that you can start using the card. To activate the card, you need to have a few things ready with you:

  • Credit card details.
  • Destiny account login credentials.

If you have the above things ready with you, then follow the below steps to activate the credit card:

  • Go to the official activation website of Destiny Mastercard – destinycard.com/activate.
  • Then on the website enter your Username and Password.
  • Next, click on the Log-in button and follow the on-screen instructions.
  • After that, go to the card activation section and enter the details asked on the page.
  • Enter your Credit card number, CVV, Security code, Date of Birth, and Expiration date.
  • At last, click on the Activate button to complete the activation process.

Once you complete all these steps, the Destiny Mastercard will be activated and you can now use the credit card for your expenses.

Destiny Mastercard Account

To activate the Destiny Mastercard, you need to have an official Destiny account. If you do not have one, then follow these steps to create an official account:

  • Go to the official website of Destiny Mastercard –  destinycard.com/home
  • Then on the screen click on the My Account option located at the upper right side of your screen.
  • Next, click on the Register Your Account button.
  • Then on the next page, enter all the information in the required fields.
  • Enter your Account Number, Date of Birth, and Social Security Number.
  • Then click on the Next button.
  • After that, follow the on-screen instructions to complete the registration.

Frequently Asked Questions

How can this card help me build a good payment record?

A good payment record is built when you make regular on-time monthly payments. It showcases the financial responsibility that many lenders seek when assessing your creditworthiness. Your payment history with the Destiny Mastercard is reported to all three major credit bureaus, and timely payments contribute to establishing a favorable payment record, aiding in building your credit.

What are Destiny Mastercard benefits?

There are many benefits you’ll receive if you own a Destiny Mastercard, some of them are:

  • Credit Building: One of the major advantages of Destiny Mastercard is that it helps in creating a good credit score over time. 
  • Major Credit Bureaus: Destiny Mastercard reports your payment history to three major credit bureaus, which helps you establish and maintain a positive credit history.
  • Online Account Management: You can easily manage your Destiny Mastercard account online, track your spending, view statements, and make payments conveniently from anywhere with internet access.
  • Zero Liability protection: When you use your Mastercard, have peace of mind knowing that you are not held responsible for unauthorized transactions.

Where should I send my Destiny Mastercard payment?

You can send your Destinu Mastercard payment at the below address:

Cocora Credit

PO Box 96541 Charlotte, NC