How to Prequalify for the Destiny Mastercard® Without Hurting Your Score

A practical breakdown of how soft-pull prequalification checks your credit eligibility safely before any formal application is submitted.

When dealing with less-than-perfect credit history, protecting your score from unnecessary hard inquiries is essential. The Destiny Mastercard® features a risk-free prequalification process that allows prospective applicants to see if they qualify for a credit line before committing to a hard credit pull.

Understanding this initial evaluation phase helps you shop for credit-building products with total confidence.

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Destiny Mastercard®
Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Sep 29, 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 Learn More
Purchase APR Rate: See terms - Annual Fee: See terms - Monthly Fee: See terms - Credit Needed: Poor to Good - Foreign Transaction Fee: 1% of each transaction in U.S. dollars. - Credit Limit: $700 Rates & Fees

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How the Soft Inquiry Works

When you complete Destiny’s online prequalification form, the issuer performs a soft credit inquiry. This type of check:

• Does not affect your credit score
• Is not visible to other lenders
• Provides a snapshot of your credit profile
• Helps determine whether you meet underwriting criteria

If your prequalification attempt is denied, no hard inquiry is placed on your credit report — your score remains fully protected.

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Moving From Prequalification to Full Approval

Prequalification indicates strong approval odds for Destiny’s standard $700 credit limit (upon final approval). However, once you formally apply:

• A hard inquiry is placed on one credit bureau
• Your score may temporarily drop a few points
• The issuer may verify income or ability to repay
• Final approval depends on meeting all underwriting requirements

This two-step structure allows you to explore your options safely before committing to a full application.

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Basic Prequalification Requirements

To complete Destiny’s prequalification process, applicants must meet basic eligibility criteria:

• Be at least 18 years old
• Have a valid Social Security number
• Provide income information sufficient to support monthly payments
• Have a U.S. residential address

Meeting these requirements ensures the issuer can evaluate your credit profile accurately.

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