If you are a Destiny credit card user, you might be wondering how to access and manage your account on the go. The answer is simple: download the Milestone app on your smartphone or tablet.
The Milestone app is a free and convenient way to access your Destiny card account anytime, anywhere. In this article, we will show you how to download and use the Milestone app, and what benefits you can unlock by using it.
What is the Destiny card and the Milestone app?
The Destiny card is a credit card issued by The Bank of Missouri and serviced by Genesis FS Card Services.
It is designed for people with less than perfect credit who want to rebuild their credit history and improve their credit score. The Destiny card does not require a security deposit, and you can pre-qualify for it without affecting your credit score. You just need to fill out a short online form and get an instant decision.
However, the Destiny card also has some drawbacks, such as high fees, high interest rates, and low credit limit. The annual fee for the card is $75 for the first year and $99 thereafter, which is deducted from your initial credit limit.
The APR for purchases and cash advances is 24.9%, which is much higher than the average credit card interest rate. The credit limit for the card ranges from $300 to $1,000, depending on your creditworthiness, which is quite low compared to other cards.
Therefore, you should weigh the pros and cons of this card before applying for it. You should also compare it with other credit cards for bad credit, such as the Capital One Secured Mastercard or the Discover it Secured Card, which may offer better terms and benefits.
The Destiny card offers a number of benefits, such as:
- No security deposit required: Unlike some other credit cards for bad credit, the Destiny card does not require you to make a security deposit to open an account. This means that you don’t need to have any cash upfront to get the card. You can get the card with no money down and start using it right away.
- Pre-qualification available without affecting your credit score: You can check if you are eligible for the Destiny card without affecting your credit score. You can pre-qualify for the card by filling out a short online form and providing some basic information about yourself. You will get an instant decision and see if you meet the criteria for the card. This way, you can avoid applying for a card that you may not qualify for and hurting your credit score with a hard inquiry.
- Free access to your VantageScore 3.0 credit score from TransUnion: You can access your VantageScore 3.0 credit score from TransUnion for free on your online account or the Milestone app. Your credit score is a numerical representation of your creditworthiness, based on your credit history and behavior. Your credit score can affect your ability to get loans, credit cards, mortgages, and other financial products. By accessing your credit score, you can monitor your progress and see how your credit is improving over time. You can also get tips and advice on how to improve your credit score and avoid common mistakes.
- Online account management and bill payment: You can manage your Destiny card account online or on the Milestone app. You can view your balance, transactions, statements, and credit score. You can also make or schedule payments, request a credit limit increase, update your personal information, and more. You can also download or print your statements and transactions for your records. You can also opt for paperless statements and save the environment and some fees.
- Fraud protection and zero liability for unauthorized charges: You can rest assured that your Destiny card account is protected from fraud and identity theft. You can use the Milestone app to lock your card if you lose it or suspect fraud. You can also report a lost or stolen card or dispute a transaction on the app. You are not responsible for any unauthorized charges on your card, as long as you report them promptly. You can also monitor your account activity and credit score, and receive alerts and notifications for any suspicious or unusual activity.
- Customizable card design options: You can customize your card design to suit your personality and style. You can choose from a variety of designs and colors to personalize your card. You can also upload your own photo or image to create a unique card design. You will need to pay a one-time fee of $9.95 for this service.
The Milestone app is the official mobile app for the Destiny card users. It is available for both iOS and Android devices, and you can download it for free from the App Store or Google Play. The Milestone app allows you to access and manage your Destiny card account on the go, and offers some additional features and benefits, such as:
- View your balance, transactions, statements, and credit score: You can use the app to view your current balance, available credit, minimum payment, due date, and credit limit. You can also view your recent and pending transactions, your monthly statements, and your credit score. You can also download or print your statements and transactions for your records.
- Make or schedule payments: You can use the app to make or schedule payments to your Destiny card account. You can choose to pay the minimum amount, the statement balance, or a custom amount. You can also schedule a payment for a future date. You will need to enter your bank account information and confirm the payment details. You can also view your payment history and status on the app.
- Customize your card design: You can use the app to customize your card design to suit your personality and style. You can choose from a variety of designs and colors to personalize your card. You can also upload your own photo or image to create a unique card design. You will need to pay a one-time fee of $9.95 for this service.
- Set up alerts and notifications: You can use the app to set up alerts and notifications to keep track of your card account and activity. You can choose to receive alerts and notifications via email, text message, or push notification. You can customize the types of alerts and notifications you want to receive, such as payment due, payment posted, low balance, high balance, credit limit, and more. You can also adjust the frequency and timing of the alerts and notifications on the app.
- Contact customer service: You can use the app to contact customer service if you have any questions or issues with your card account. You can choose to call, email, or chat with the customer service representatives. You can also visit the FAQ section to find answers to common questions and issues. The customer service representatives are available 24/7 and can help you with any inquiries or concerns.
- Access FAQs and tips: You can use the app to access FAQs and tips to help you use your card wisely and responsibly. You can find useful information and advice on how to improve your credit score, how to avoid fees and interest charges, how to protect your card from fraud, and more. You can also access exclusive offers and deals from various merchants and partners on the app.
By using the Milestone app, you can unlock some benefits that can enhance your experience and satisfaction with your Destiny card. The Milestone app is a user-friendly and secure way to access and manage your Destiny card account on the go. It also rewards you for being a loyal and active customer, and helps you save money and have fun. We hope this article was helpful and informative.
How to download and use the Milestone app?
To download and use the Milestone app, you need to follow these steps:
- Go to the App Store or Google Play on your smartphone or tablet and search for “Milestone app”.
- Download and install the app on your device.
- Open the app and log in with your username and password that you created on the official website of the Destiny card at www.mymilestonecard.com. If you have not registered your card online yet, you need to do that first before using the app.
- Once you log in, you will see your account dashboard where you can view your balance, transactions, statements, and credit score. You can also access other features and settings by tapping on the menu icon at the top left corner of the screen.
- To make a payment, tap on the “Pay” button at the bottom of the screen. You can choose to pay the minimum amount, the statement balance, or a custom amount. You can also schedule a payment for a future date. You will need to enter your bank account information and confirm the payment details.
- To customize your card design, tap on the menu icon and select “Card Design”. You can choose from a variety of designs and colors to personalize your card. You can also upload your own photo or image to create a unique card design. You will need to pay a one-time fee of $9.95 for this service.
- To set up alerts and notifications, tap on the menu icon and select “Alerts”. You can choose to receive alerts and notifications via email, text message, or push notification. You can customize the types of alerts and notifications you want to receive, such as payment due, payment posted, low balance, high balance, credit limit, and more.
- To contact customer service, tap on the menu icon and select “Contact Us”. You can choose to call, email, or chat with the customer service representatives. You can also visit the FAQ section to find answers to common questions and issues.
- To access FAQs and tips, tap on the menu icon and select “FAQs and Tips”. You can find useful information and advice on how to use your card wisely and responsibly, how to improve your credit score, how to avoid fees and interest charges, and more.
What are the benefits of using the Milestone app?
By using the Milestone app, you can unlock some benefits that can enhance your experience and satisfaction with your Destiny card. The Milestone app is a free and convenient way to access and manage your Destiny card account on the go. It offers some additional features and benefits that can help you rebuild your credit and enjoy the perks of a credit card. Some of the benefits are:
- Convenience: You can access and manage your card account anytime, anywhere, with just a few taps on your device. You don’t need to visit the website or call the customer service to check your balance, make a payment, or view your transactions. You can also use the app to customize your card design, set up alerts and notifications, and contact customer service. For example, you can use the app to pay your bill before the due date, check your credit score to track your progress, or change your card design to suit your mood or personality.
- Security: You can protect your card account and personal information with the app’s security features. You can use your fingerprint, face ID, or PIN to log in to the app. You can also enable the “Lock Card” feature to temporarily disable your card if you lose it or suspect fraud. You can also report a lost or stolen card or dispute a transaction on the app. For example, you can use the app to lock your card if you misplace it or notice an unauthorized charge, or report a card theft or damage if you need a replacement card.
- Rewards: You can earn rewards and incentives by using the app. You can participate in surveys, contests, and promotions that can give you a chance to win prizes, discounts, and cash back. You can also refer your friends and family to the app and earn a bonus for each successful referral. For example, you can use the app to take a survey and enter a sweepstakes to win a gift card, get a discount code for your next purchase, or earn a $25 bonus for referring a friend who gets approved for the card.
Conclusion
The Milestone app is a free and convenient way to access and manage your Destiny card account on the go. It offers some additional features and benefits that can enhance your experience and satisfaction with your card.
By downloading and using the Milestone app, you can unlock some benefits that can help you rebuild your credit and enjoy the perks of a credit card. We hope this article was helpful and informative. Thank you for reading!