Credit can be complicated—but it doesn’t have to be. Whether you’re building access to credit from past mistakes or just getting started, the right credit card can open doors, not dig holes. Cards like Destiny, Indigo, and Milestone are designed to help you strengthen your financial foundation, one swipe (and one on-time payment) at a time.

So let’s talk strategy. Because getting a credit card isn’t just about having extra spending power—it’s about taking control of your financial story.

Here’s how these cards can help:

1. Designed for Building Access to Credit
Life doesn’t always play fair, and your credit score might reflect that. The good news? Destiny, Indigo, and Milestone don’t expect perfection. These cards are made for people with less-than-perfect credit—or no credit at all. With responsible use, they can help you start writing a new chapter, one payment at a time.

2. Reports to Major Credit Bureaus
These aren’t “pretend” cards. They report to all three major credit bureaus, which means every on-time payment you make and every smart move you take is helping shape your credit score in the right direction. That’s not just a win—it’s a strategy.

3. No Security Deposit Needed
Unlike secured cards, these options don’t require you to put money down to get started. That’s right—no need to hand over a chunk of cash just to prove you’re responsible. These are unsecured credit cards, which means more flexibility from day one.

4. No Impact on Your Credit Score
If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted. If you are approved, your new account and a credit inquiry will appear on your credit report.