Safeguarding Your Account: Zero Fraud Liability and Security on the Destiny Mastercard®

An overview of the built-in safeguards, cardholder protections, and security tools that come standard with your unsecured credit card.

When managing an unsecured credit-building account, peace of mind regarding account security is just as important as credit reporting. The Destiny Mastercard® is backed by Mastercard’s network-level safety measures, giving users reliable protection whether shopping online or making everyday purchases in person.

Understanding these built-in protections helps you navigate account management safely and respond quickly if unexpected issues arise.

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Destiny Mastercard®
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Nov 13, 2026
	A guaranteed $700 credit limit to help get your financial goals on track, if approved. Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. No security deposit, and a path to better credit. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Get the credit you deserve, even with less-than-perfect history. An unsecured card great for everyday purchases Apply Now
Purchase APR: See termsAnnual Fee: See termsMonthly Fee: See termsCredit Needed: Poor to GoodForeign Trans. Fee: 1% of each transaction in U.S. dollars.Credit Limit: $700 Rates & Fees »

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Understanding Zero Fraud Liability

One of the primary benefits of carrying a card issued on a major payment network is protection against unauthorized charges. With Zero Fraud Liability, you are not responsible for unauthorized purchases made with your account if your card is lost, stolen, or compromised — as long as you report the activity promptly.

• You pay $0 for unauthorized charges
• Protection applies to online, in-store, and mobile transactions
• Coverage requires timely reporting to customer service
• Fraudulent charges are investigated and removed

This protection ensures your credit-building progress isn’t derailed by unauthorized activity.

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Best Practices for Secure Account Monitoring

To keep your Destiny account secure, adopt these habits:

• Check your online account regularly for unfamiliar charges
• Enable transaction alerts through your digital dashboard
• Monitor payment due dates to avoid missed payments
• Review statements monthly for accuracy

These steps help you detect suspicious activity early and maintain a clean reporting history.

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What to Do If You Suspect Fraud

If you notice a suspicious charge or believe your card has been compromised, take immediate action:

• Call Destiny’s fraud support line: 1-800-304-3096
• Report lost or stolen cards: 1-800-314-6340
• Review recent transactions in your online account
• Request a replacement card if needed

Acting quickly ensures unauthorized charges are removed and your account remains secure.

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