At a glance
|
Card name |
Annual fee |
Monthly fee |
Credit limit |
Optional over-limit fee? |
|---|---|---|---|---|
|
Destiny credit card |
$59-$175. |
Waived the first 12 months, then up to $12.50 per month. |
$300-$700. |
Yes. |
|
Indigo credit card |
$0-$125. |
Waived the first 12 months, then up to $5 per month. |
$300-$2,000. |
Yes. |
|
Milestone credit card |
$35-$175. |
Waived the first 12 months, then up to $12.50 per month. |
$300-$1,000. |
Yes. |
If you receive an annual fee credit card (such as a Destiny, Indigo, or Milestone credit card), be advised that this will immediately reduce your available credit as soon as the account is opened. For instance, you could only be able to spend $201 if the card has a $300 credit limit and a $99 annual fee. Until the annual fee is paid, you will not be able to access the entire credit limit.
Destiny credit card
Depending on which version of the Destiny credit card you qualify for, annual fees can range from a ridiculous $59 to a whopping $175. Certain Destiny cards also charge monthly fees, which can total more than $100 annually, in addition to an annual fee. Additionally, cardholders have the option to pay $29 to $41 for over-limit coverage, which allows the issuer to approve transactions that are greater than their credit limit. However, credit cards rarely have over-limit fees in the first place, and some issuers occasionally permit cardholders to exceed credit limits without paying an additional fee (though it’s usually not a good idea to spend more than you can afford).
In return for those substantial fees, Destiny cardholders receive minimal benefits. A Destiny credit card has a $700 maximum limit. Although there is a version of the card that offers rewards for purchases, it can only be obtained through a direct offer.
The Petal® 1 “No Annual Fee” Visa® Credit Card lives up to its name as it offers rewards and has no annual, foreign transaction, or late penalty APR fees. This card is a good choice for people with poor or limited credit because the issuing bank may take into account factors other than credit scores when reviewing applications.
Indigo credit card
Out of the three credit cards that Concora Credit offers, the Indigo credit card may be the best. The annual cost might be as little as $0, depending on your eligibility. The foreign transaction fee is 1%, and many other cards have a charge of 3% if you use them overseas. Depending on the Indigo credit card version you are eligible for, you may be able to have a credit limit of up to $2,000.
The Indigo credit card isnt without faults, though. Similar to the Destiny and Milestone credit cards, the Indigo credit card may have over-limit fees. The annual fee can reach a maximum of $125. It doesnt earn rewards, either.
The Capital One Quicksilver Secured Cash Rewards Credit Card is an alternate that earns rewards.
Youll earn an unlimited 1. 5% cash back on each purchase made using the Capital One Quicksilver Secured Cash Rewards Credit Card, with an annual fee of $0. A $200 security deposit is needed to apply for this card, but unlike an annual fee, the deposit is refundable.
Milestone credit card
There are currently over 20 different iterations of the Milestone credit card available. They range in quality from decent to horrendous. Your creditworthiness will determine whether you receive a card with a $35 annual fee, no monthly fee, a 29 9% interest rate as of this writing and a $700 credit limit These are fair conditions for an unsecured credit card for bad credit, and they would put the Milestone card on par with NerdWallet’s top credit card for bad credit, the OpenSky® Secured Visa® Credit Card.
However, there is also a Milestone credit card, which has some drawbacks such as an absurd $175 annual fee, a $12 50 monthly fee, a $40 over-limit fee and a 35. 9% APR (as of this writing). Therefore, if you’re thinking about applying for a Milestone credit card, first complete the pre-qualification form to see what you might be eligible for, or look into other credit cards.
Is one of these credit cards right for me?
The Destiny, Indigo, and Milestone credit cards have combined total of about 60 iterations, and some of them have terms that are comparatively good for credit cards in their class. Since all of the cards come with extensive credit reporting, you can use them to strengthen your credit since none of them require you to put up money as a security deposit.
The problem with these cards is that you can’t always expect to draw one of the better ones. Other credit cards for people with bad to fair credit have better benefits than Concora Credit, and some of them are more open about what they offer.
Find the right credit card for you.
The best credit cards available allow you to do both—earn more rewards and pay less interest. Simply provide your answers to a few questions, and we’ll focus your search.
FAQ
What company uses Concora Credit?
Some of America’s favorite stores, including The Home Depot®, Raymour & Camille, and
What is Concora Credit on my bank statement?
For customers with bad to fair credit (FICO scores between 300 and 689), Concora Credit, formerly known as Genesis Financial Solutions, is the company that offers a variety of credit cards. These include the Destiny credit card, which is offered by First Electronic Bank. The Indigo credit card, issued by Celtic Bank.
What credit cards are under Concora Credit?
Utilizing the Destiny, Earniva, Indigo, and Milestone brands, it manages and provides services for non-prime MastercardTM programs. These financial options assist in giving underprivileged customers access to the credit they are entitled to and require.
What stores can I use Concora Credit?
Your Concora Credit credit card is accepted everywhere Mastercard is accepted. Because Mastercard and Visa credit cards have the broadest global acceptance, these cards can therefore be used almost anywhere credit cards are accepted.
Read More :
https://about.concoracredit.com/who-we-are
https://about.concoracredit.com/