The Destiny Credit Card Claims to be a financial product from the First Electronic Bank. It’s good for people with poor to fair credit scores, even if they’ve been through bankruptcy. Also, it’s an unsecured credit card, you don’t need to make a security deposit, which can be helpful for those who can’t afford one.
What Is Destiny Credit Card?
The Destiny Credit Card is an unsecured credit card from First Electronic Bank, made for people with poor to fair credit scores. It’s helpful for those who have faced financial difficulties, including bankruptcy.
A good feature of the Destiny Credit Card is that it helps users build their credit. It reports to all three major credit units, if you use it responsibly by paying on time and keeping balances low, it can improve your credit score.
Also, the Destiny Credit Card doesn’t require a security deposit, Credit limits for the Destiny Credit Card range from $300 to $1,000, based on your creditworthiness. This gives you some spending flexibility and helps you to manage your credit use.
Costs and Fees
The Destiny Credit Card is known for having high fees in its first year. Here are the costs you can get with this card.
Annual Fee: The annual fee starts at $175 for the first year and then drops to $49 in the next years.
Annual Percentage Rate (APR): It has a high APR of 35.9%, which is higher than the average for credit cards.
Other Fees: There are extra fees for cash advances and foreign transactions, which can increase the total cost of using the card.
How To Apply for Destiny Credit Card
Applying for the Destiny Credit Card is easy if you have a less-than-perfect credit history. Here are some simple steps you can follow.
Visit the Official Website: Go to the Destiny Credit Card’s official website.
Pre-Qualification: Check if you pre-qualify for the card without impacting your credit score by entering your details.
Application Code: If you received an offer in the mail, enter your application code on the selected website.
Personal Information: Fill in the required personal information, including your name, address, income, and social security number.
Review and Submit: check all the information for accuracy and then submit your application.
Is Destiny Credit Card Legit?
The Destiny Credit Card is a deal from First Electronic Bank. It’s made for people with no good credit scores, even if they’ve gone through bankruptcy. Also, many people are saying it is a scam, here are some red flags that can considered.
1. Spamming E-mails
Many users on Reddit say they are receiving spam emails from Destiny Card asking for their card confirmation, even though they didn’t apply for the card. When they check the email, they find it’s from a dating site called Amourlee, which is a sign of a scam.
2. Stealing Information
According to Reddit users, this company is considered a scam. Users claim that such companies typically fail to send confirmation emails, even for services users never applied for. Also, they say that this particular company offers rewards as a trick to collect personal information.
3. Negative Reviews
People are saying a lot of bad things about the Destiny Credit Card. They’re upset about the emails they get and the tricky schemes they use to collect personal info. Some users think the government should take action on these types of websites.
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Jason Thomas is a Computer Science student specializing in AI & ML, dedicated to safeguarding individuals from online threats. Passionate about exposing internet scams, Jason spends his free time identifying and reviewing various fraudulent activities and unethical materials. With a unique blend of theoretical knowledge and practical application, he is a valuable contributor to the fight against online fraud. His commitment to technology and programming fuels his mission to protect people from scams and enhance internet safety for everyone.
