Might have made a mistake by opening A Destiny Card

Help Needed / Question Forum
1

Hi guys,

I made a mistake and signed up for a Destiny Card through a mailer they sent me. I should have researched it more before jumping on the offer; especially considering the $175 annual fee and the high APR. My credit score is currently 646, and options have been limited due to my score.

Given the fees and my situation, what do you think is the best course of action with this card? It has a $700 limit, and I’m not inclined to use it much. Should I use it a little and close it eventually?

I’m also considering the Discover Rebuilder Card but am unsure if they’d accept me since I had a previous account with them that ended in a settlement.

Thanks in advance.

2

For the Destiny Card, try to use it minimally to avoid fees and high APR. Paying off the balance promptly can help your credit. Consider the Discover Rebuilder Card as it might be a better option, but review their terms and past account history to understand your chances. Focus on rebuilding credit responsibly.

3

With the Destiny Card, you might consider using it minimally to avoid high fees and maintaining your credit score. Paying it off in full to avoid interest could be wise. For the Discover Rebuilder Card, check their current criteria or consider contacting their customer service for clarification on your past account.