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I usually put most unsolicited "pre-approved" credit card offers I get in the mail straight into the trash, but occasionally one will catch my eye for one reason or another and I open it. Today I got one from Destiny Mastercard. Never heard of this company so out of morbid curiosity I opened it and, in 20-point type, saw that I had been Absolutely!
The Destiny Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by Genesis FS Card Services, Inc. If anyone has any Deets or has tried/used this card what are your experiences ((I'm not apping just giving details/DPs/more Forums for our Pots LOL)) Says: Reporting to the three major credit bureaus, unlike a debit card
FNBO, Santander, and BECU come to mind immediately. Most regional banks and smaller credit unions also use it. It may be due to them mostly using the same card manufacturers. Edit: I hate it when I start an answer, the phone rings, and by the time I hit Post, somebody else got there first.
Yeah, I've had this card for 6 months, they say they will never increase your limit. $75 annual fee, every time you log in it says "enroll in overlimit coverage" I accepted it once, went over the limit by 10 bucks because the online portal showed I had "available credit", they charged 29, I didn't realize it had a fee with it so I turned it back off.
Issued by First Electronic Bank which only has 1 other product, the Destiny Mastercard which is on creditone level of scammy low credit score card Cardless issues dozens of other cards for places like Simon Mall, TAP Airlines, LATAM Airlines, and more.
I have 20 credit cards, most of them with smaller credit card companies that offer credit to low fico score borrowers. I'm working to payoff my entire balance. After I payoff the balance, I'm considering if I should close the smaller limit credit cards. Here is my line up: Destiny Credit $300.00...
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A few years ago when I began rebuilding my credit, I came across several forums that mentioned CreditOne, Destiny and Indigo CC's. I applied and was approved for $400, $300 and $300 respectively. However, since that time I have managed to obtain the Discover Miles, AmEx Hilton Honors Surpass, NFCU MoreRewards, CapitalOne Platinum and Macy's ...
Scores: March 21 FICO 8: EX 810, TU 808, EQ 813 AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Which is Credit One bank (2 accounts), Destiny Credit Card and Care Credit Synchrony. If I make the payment arrangment with the original creditors and work on paying the accounts off through them, that would mean that Midland couldn't try to sue me later.. right?