Logging Into Your Destiny Card: Login, Pay & Customer Service

The Destiny® Mastercard® is a good card for anyone who has bad credit or has gone through bankruptcy and wants to improve their creditworthiness. It's an unsecured card that doesn't require a deposit, and even if your credit score is in the 300s (the lowest possible score), your application may qualify.

You'll need to pay an annual fee for the privilege, between $59-$99 each year, and the APR is high at 24.9% with a fixed 29.9% fixed penalty APR. The card doesn't offer a reward program or introductory bonus and doesn't allow you to make balance transfers.

However, you do get free identity theft protection and zero liability protection. You'll also be able to get a cash advance during the first year without incurring any fees.

You can apply to be pre-qualified for the card without incurring a credit hit. To be approved, you will need to:

• Be at least 18 years old (19 in AL), have a valid Social Security Number, a physical address, and a U.S. IP address.
• Not have had a Destiny® Mastercard® account charged off due to delinquency.
• Have met "additional credit qualification criteria, including a review of your income and your debt, and identity verification requirements."

This card is issued by First Electronic Bank, FDIC#35533. The bank has been in business since October 2000 and is a State Charter Bank, not a member of the Federal Reserve System (FRS).

The Destiny® Mastercard® is the brainchild of and serviced by Genesis FS Card Services, Inc., a company that "believe[s] that everyone deserves the opportunity to receive quality credit financing. [They] specialize in "second-look financing" for consumers who are turned down by a prime lender, yet are still valuable consumers who deserve access to finances."

Genesis Card is the "largest provider in the near-prime financial services space," having originated $6 Billion in assets to date and processing 12 Million applications annually. The company has earned a B rating from the Better Business Bureau.

This guide will walk you through the process of paying your Destiny credit card online, as well as providing customer support and mail info.

Use Their Online Access

It takes only seconds to receive your Destiny® Mastercard® offer once you fill in their pre-qualification form.

The information you'll need for this includes:

• Your name
• Your address
• Your email
• Your phone number
• Your date of birth (MM/DD/YYYY)
• Your Social Security number

The "annual fee that you pre-qualify for will be determined based on our review of your credit profile. You'll have time to fully review all the terms and conditions of your offer before you apply."

Set up online account access if you're a first-time user.

Simply register your account by filling in the following fields with:

• Your card number
• Your date of birth (MM/DD/YYYY)
• Your Social Security number

You'll then be prompted to "Continue to Next Step."

Once you have an account set up, you can access your account with a secure login by entering your username and password.

Once you've logged in to your account, you can:

• View your balance, transactions, and statements
• Make or schedule a payment 24 hours a day, 365 days a year
• Have confidence in their fast and secure system

If you've forgotten your password, you can easily request a reset.

All you'll need is to provide the following information:

• Your user name
• The last four digits of your credit card
• Your date of birth (MM/DD/YYYY)
• Your Social Security number

If you've forgotten your username, you can just as easily request a reminder.

You'll need to provide the following information to request your username:

• Your 16-digit account number
• Your date of birth (MM/DD/YYYY)
• Your Social Security number

You can set up automatic payments through your online account:

• Go to the Payment section on the account's home page, where you'll be able to select the automatic payments feature.
• Input your bank account routing number and your account number. This will determine the checking or savings account from which Destiny will take your payment every month.

Currently, the Destiny® Mastercard® does not have a mobile app.

Interested in contacting the issuer bank, First Electronic Bank? Go to First Electronic Bank. If you need consumer assistance, contact Complaints & Questions with Personal Information.

Contact Them By Calling (or Sending a Fax)

Their toll-free phone numbers, where you can make a payment, report a lost or stolen card, and reach a live customer service representative, are available Monday to Friday, from 6:00 am to 6:00 pm PST: 1-800-583-5698, 1-844-222-5695

These same toll-free numbers also let you talk to someone regarding your:

• Lost or stolen credit cards
• Credit protection

For technical support, you can call their toll-free number: 1-800-705-5144

Fax documents to their designated fax toll number: 1-503-268-4711

If you want to contact Genesis FS Card Services, call their toll number: 1-866-502-6439

If you're a current business partner of Genesis Credit, you can reach them by dialing: 1-800-942-4308

Reach Out Through Mail

Send general correspondence to:

Genesis FS Card Services

P.O. Box 4477

Beaverton, OR 94076-4477

Or to:

Genesis FS Card Services

15220 NW Greenbrier Parkway

Suite 200

Beaverton, OR 97006-5762

You can mail your Destiny® Mastercard® payment to:

Genesis FS Card Services

P.O. Box 23030

Columbus, GA 31902-3030

Reach out to the credit card issuer at:

First Electronic Bank

2150 South 1300 East

Suite 400

Salt Lake City, UT 84106

Visit the Destiny® Mastercard® Head Office

You can visit the Destiny Mastercard head office at:

Genesis FS Card Services

15220 NW Greenbrier Parkway

Suite 200

FAQs about Logging in and Paying Your Destiny® Mastercard® Credit Card

Q: What do I do if I'm having trouble signing in to my account?

A: If you know your password and are still having trouble signing in to your account, make sure you've followed the username requirements:

• Your username is case-sensitive.
• Your username is not an email address.

Q: What is the credit limit the Destiny® Mastercard® offers?

A: $300

Q: If I qualify for a Destiny® Mastercard® credit card, how soon will I receive the card?

A: In most cases, your new card will show up in your mailbox within 14 days of approval.

Q: Can I use my credit card for foreign transactions?

A: For security reasons, you'll need to notify Destiny® Mastercard® before you use your card outside the U.S. at 1-800-583-5698.