What Destiny Card is and how to send a payment
Destiny Card is a credit card issued by Comenity Bank, often marketed to people rebuilding credit or new to credit. You can pay your bill online through your account, by phone, by mail, or in person at a MoneyGram location. The fastest and most common method is online through the Destiny Card website or mobile app — payments post within one business day.
Before you set up a payment, you will need your account number, which appears on your card and your monthly statement. You will also need to know your current balance and your due date. Both are listed on your statement or visible when you log into your online account.
Key Takeaways
- Online payments through the Destiny Card website or app post within one business day and are the fastest way to pay.
- Mailed payments should be sent at least 10 days before your due date to arrive on time and avoid late fees.
- Phone payments can be made by calling the customer service number on the back of your card, and you will need your account number and routing information ready.
- Late payments damage your credit score and trigger a late fee, so setting up automatic payments or calendar reminders can prevent missed due dates.
Paying online through your Destiny Card account
Log into your account at the Destiny Card website or open the mobile app. Once you are signed in, look for a "Make a Payment" or "Pay Now" button, usually on the dashboard or account summary page. Enter the amount you want to pay and choose your payment date — you can schedule a payment for today or up to 30 days in advance.
You will be asked to choose a payment method: a bank account (ACH transfer) or a debit card. Bank account payments are free. Debit card payments may carry a fee, which the site will show you before you confirm. After you submit, you will receive a confirmation number — save this for your records. The payment will post to your account within one business day.
Paying by phone or automatic payment
Call the customer service number on the back of your Destiny Card. Have your account number and the bank account or debit card you want to pay from ready. A representative will walk you through the payment and confirm the amount and date. Phone payments are free and post within one business day, just like online payments.
If you want to avoid missing a due date, you can set up automatic payments through your online account. Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Automatic payments will deduct from your bank account on the date you choose, usually a few days before your due date. You can change or cancel automatic payments anytime through your account.
Paying by mail
Write a check or money order payable to Destiny Card. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — do not mail it to the customer service address. Mail payments take 7 to 10 business days to arrive and post, so send your payment at least 10 days before your due date to avoid a late fee.
Keep a copy of the check or money order number and the date you mailed it. If your payment does not post within two weeks, contact customer service with this information so they can track it down.
Paying in person at MoneyGram
You can walk into a MoneyGram location and pay your Destiny Card bill in cash or with a debit card. MoneyGram has locations inside Walmart, CVS, Walgreens, and other retailers, as well as standalone offices. Tell the cashier you want to pay a credit card bill and provide your Destiny Card account number.
MoneyGram charges a fee for this service — the amount depends on the payment size and your location. Ask the cashier what the fee will be before you pay. The payment will post to your account within one to two business days. This method is useful if you do not have a bank account or prefer to pay in cash, but the fee makes it more expensive than online or phone payments.
What happens if you miss a payment or pay late
If your payment does not arrive by your due date, Destiny Card will charge a late fee. The fee amount depends on your account terms, but it is typically $25 to $35 for the first late payment. A late payment also shows up on your credit report and damages your credit score — the damage is worst in the first 30 days after the due date.
If you are going to miss a due date, contact customer service before the date arrives. Some cardholders can negotiate a one-time waiver of the late fee or ask for a brief extension. After you miss a payment, the sooner you pay, the better — paying within 30 days limits the credit damage. Paying after 30 days is recorded as a 30-day late payment, and paying after 60 days is recorded as a 60-day late payment, both of which hurt your score significantly.
Setting up a payment plan if you cannot pay in full
If you cannot pay your full balance, you can still make a payment toward it. Paying anything above the minimum payment reduces the interest you owe and shows Destiny Card that you are managing the account. The minimum payment is shown on your statement and is usually 1 to 3 percent of your balance.
If you are struggling with a large balance or multiple debts, contact Destiny Card customer service to ask about hardship options. Some issuers offer temporary payment plans or reduced interest rates for cardholders facing financial difficulty. These are not may provide, but asking is free and may open a path forward.
Frequently Asked Questions
How long does it take for an online payment to post?
Online payments post within one business day. If you pay on a Friday evening, it will post on Monday. If you pay on a holiday, it will post the next business day after that. Always pay at least one business day before your due date to be safe.
Can I pay my Destiny Card bill with a credit card?
No. Destiny Card only accepts payments from a bank account (ACH) or debit card. Paying a credit card with another credit card is not allowed and would count as a cash advance on the second card, which carries high fees and interest.
What if I overpay my Destiny Card bill?
If you pay more than your balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. Refunds are usually mailed within 7 to 10 business days.
Is there a fee for paying online?
No fee if you pay from a bank account. Debit card payments may carry a fee, which varies and will be shown to you before you confirm the payment. Phone and automatic payments are also free.
What if my payment was rejected?
A payment is usually rejected because the bank account or debit card information is wrong, the account does not have enough funds, or the card has expired. Contact customer service to find out why your payment failed and try again with corrected information. A rejected payment does not count as a late payment, but your bill is still due.