Destiny Credit Card Review - Unsecured Credit Card for Bad Credit

in this time i will be talking about the destiny mastercard and this is a credit card you can use to build credit if you have no credit or if you need to build up your credit score again rebuild your credit this could be an option for you also so the destiny credit card is a good starter card if you've never had credit before you can start with this credit card to help build up your credit score also it is geared for people rebuilding credit but specifically for people that have gone through a re-sent bankruptcy and destiny is willing to work with individuals that have gone through a recent bankruptcy so this is one of the reasons why this particular credit card could be right very right for some people and i'm going to go over different features and benefits of this card so that in the the end of this video you can decide for yourself whether this will be the right card for you also if you're worried about hard credit inquiries you really don't need to worry about it because there is a pre-qualification application that is only a soft poll credit inquiry so this is a good way of figuring out if you're able to get this card without it negatively impacting your credit score if you decide to go with the full complete application then you will have a hard credit inquiry but if you're merely checking out to see through the pre-qualification application there will be no hard credit inquiry is destiny a good credit card well it is a mastercard with all the benefits of a mastercard without the security deposit it will report to all three credit bureaus and with responsible use you have a chance to improve your credit history even if you have gone through a recent bankruptcy so overall this is a great starter card for certain individuals that are in need of building up their credit score you have to understand that many times people that have low credit scores or no credit need to start somewhere to build up their credit score and once you do you can move on to those types of credit card applications that have no annual fee and have really good reward programs so what bank is destiny credit card well it is issued by the same bank as milestone and the indigo mastercard which i have already reviewed the indigo mastercard and if you'd like to check it out that link will be in the description but these three cards are issued by genesis fs card services so what credit score is needed for the destiny mastercard well as you can imagine if they're going to if they're going to approve people that have recently gone through bankruptcies or who have had less than perfect credit history then the credit score approval is going to be rather low i don't see any problem with people with 500 credit scores getting approved for the destiny mastercard but if you're not sure like i said before check out the pre-qualification application and you'll learn if they will accept you into the program without ever seeing a hard credit inquiry like i said before this card is not a rewards card you cannot earn cash back and you cannot earn points to redeem for other things this card is specifically used to help build credit and it will require that you pay an annual fee right over here there's really no way of avoiding that destiny mastercard credit limit what is it well it is low it starts at 300 like i said before this card is for rebuilding credit and many people have less than perfect credit history so they're going to be cautious and set a low credit limit for people that get approved now with this card you can call back and see later if you can get a credit line increase that might be a possibility but that annual fee that you are charged the first year you're going to see that on the first statement the first month you have this card so you're going to have less than 300 for a credit limit the first month but after you pay that you're going to be working with 300 it's not a lot but it is enough to help you get started and help you raise your credit score so is this video on the destiny mastercard helping you if it is i'd appreciate it so much if you could hit that like button if you want to see more credit card reviews or ways that you can help increase your credit score make sure to subscribe to this channel and if you know of anyone else that can be helped with this video feel free to share it so do i recommend the destiny mastercard i do i do for some people i think this is especially a good card for people that have just gone through a recent bankruptcy because oftentimes that can be difficult to get that first credit card after bankruptcy and the destiny mastercard is willing to work with people that have gone through that it is also an option for people that have no established credit history and an option for people that have less than perfect credit history this is a way you can get back to on time responsible payments that will ultimately help raise your credit score but as far as seeing whether i recommend it i do recommend it but i recommend that you compare the destiny mastercard with other credit cards out there this is an unsecured credit card however i do suggest that you look into secured credit cards because they're not like how they used to be these cars often have no annual fee security deposits that are easily refundable and some of them even earn rewards so you should take a look at those also some people might think that they need the destiny mastercard but they might actually have fair credit at this point so you might want to look at something like credit wise you do not need to have a capital one credit card because creditwise is offered by capital one you can sign up for creditwise or the discover scorecard which is the discover version of credit monitoring for free or you can try credit sesame which i've done a review video on talking about it these are free ways of taking a look at your credit score understand what your credit score is see if you can get multiple uh different interpretations of what your credit score is and if it's in the fair range you might actually be able to get a fair credit card some of them have no annual fee like the capital one platinum mastercard that fair credit card has no annual fee and later people have upgraded to the capital one quicksilver card that earns 1.5 percent cash back or you can start off with the capital one quicksilver one which is the fair version the fair credit version of quicksilver and you could start earning cashback rewards right away i just did a review on that card last week so if you want to learn more about that card check that out it'll all the links to the different credit cards i've talked about today will be located in the description below this video along with a playlist for secured credit cards and a playlist for fair credit cards so what i'm really encouraging people to do is take a serious look at the destiny mastercard and also compare the destiny mastercard with different credit cards credit cards for rebuilding credit and i think you'll put yourself in a good position because you yourself knows in your particular situation what credit card offer is ultimately going to be the best value for you so thank you so much for watching my video today i hope you have a better understanding of the the destiny mastercard.