The Indigo credit card is ideal for those looking to get a good credit card but doesn’t have an excellent credit score. I’ve even seen some people who’ve had bankruptcy before and yet they got the card.
Furthermore, the Indigo card comes with excellent features such as fraud protection, ease of use, nationwide acceptance etc.
If you’re looking to apply for one and you’ve not yet made up your mind, I’ll suggest you continue reading this article as I will tell you all the Pros and Cons of owning an Indigo credit card so that you can make an informed decision!
Before we proceed, I’ll like to tell you that the Indigo credit card is not a secured credit card. That means your credit limit is based on your credit history and credit score which is determined by the lender.
Now, what makes Indigo card unique is that it is relatively easier to get than the typical unsecured credit card out there which usually requires the applicant to have a good/excellent credit score.
Indigo Credit Card Offers
You don’t need to have an excellent credit history to apply for one. Now, this is good news to those with bad credit who’ve been finding it difficult getting into a credit card program.
Also, Indigo shares your payment history with the three biggest credit bureaus in the industry. Hence, the card will help build you a good credit history as long as you’re making your payments on time.
Knowing fully well that the card is unsecured. You’re not required to deposit a certain amount of money to determine your credit limit.
The card is MasterCard which means you get to enjoy MasterCard Platinum Card as well.
Also, do keep in mind that you’ll be charged $38 over-limit fee when you exceed the credit limit of $300. Some card has an annual fee with others don’t. The annual fee cards come in various variants starting from $59 reaching up to $99.
The card comes with a late payment fee of up to $38, while the APR and penalty APR are 23.9% and 29.9% respectively. Also, you’ll be charged 1% off any foreign transaction made.
The website is pretty good and can be accessed anywhere in any given location where there is internet connectivity.
payments made on the website are always posted on time which brings the issue of late payment at the minimum.
Their customer service department is always ready to assist you at any period in time should you choose to close your card.
Having been informed about what to expect when you own the Indigo credit card, do you still want to apply for one? If yes, continue reading as I’ll give you details about the application steps below.
The Application Process
The application process comes in two ways;
The pre-qualification stage: This stage does not have any impact on your credit score irrespective of the outcome of your result. Here, you’re required to fill a form which requires you to provide your legal full name, address, city & Zipcode, phone number, email address and social security number (SSN) to determine whether or not you pre-qualify.
PS: You passing the pre-qualify stage doesn’t guarantee your application will be approved.
The decision stage: If you pass the pre-qualifying stage, you’re then required to fill the main application form which is then used to determine whether you’re qualified for credit or not.
- To apply for the Indigo credit card, go to the Indigo card homepage. Then click on the “Pre-qualify now” button to proceed.
- Next, choose your card design and fill in your name, address, phone number, city & zip code, DOB and SSN in their respective
- Finally, click on the “Pre-qualify now!” button to submit your application.
A decision will be made based on the details you gave.
If you pre-qualify, you can then proceed to the second step which involves disclosing your sensitive details like financial info and credit score.
If you qualify for a credit, your card will be mailed to the address you provided during your application within a week.
After receiving your card via mail, you’ll need to activate it before use. You can do this by registering an account online or by calling the customer service at 1-866-946-9545 for help.
Indigo Credit Card Login Procedure
You can access your Indigo credit card account by signing in to your account online. Follow the instructions below:
- Simply visit the Indigo card website to get started.
- Next, click on the “Login” link at the top-right corner of the site.
- Now, enter your “Username” and “Password” and click on the “Log-in” button to access your Indigo account.
Now, login to your account to start performing the following actions;
- View account statement
- Pay your bills
- Check your account balance
- Monitor your account activity
You can go for the Indigo credit card if you’re just looking for a simple credit card to build/rebuild your credit without necessarily costing you so much.
Also, you do not need to have an excellent credit score before you can qualify.
We’ve made it possible for readers to share their experience with the card by dropping their ratings also.
Feel free to drop comments below and we’ll be sure to get back to you ASAP.