How do I apply for the Indigo credit card? This question is about the Indigo® Mastercard® for Less than Perfect Credit

How do I apply for the Indigo credit card?

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This question is about the Indigo® Mastercard® for Less than Perfect Credit

Cameron DiGiovanni, Writer

@cdigiovanni20 • 06/09/21 This answer was first published on 06/09/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To apply for the Indigo Credit Card, go to the Indigo application page and click the “Pre-Qualify Now” link, then provide your name, email, mailing address, phone number, birthdate, and Social Security number. If you pre-qualify for the Indigo Card, you can see the terms and fill out an application on the next screen.

How to Apply for the Indigo Credit Card

Go to the Indigo application page online and click “Pre-Qualify Now.”
Enter your name, address, phone number, email, date of birth, and Social Security number and then select “Pre-Qualify Now” again.
Review the terms and conditions of the Indigo Credit Card offer after you are pre-qualified. If you don’t get pre-qualified for the Indigo card, you may get pre-qualified for a different credit card issued by another bank.
Fill out a full application for the Indigo Credit Card and click “Apply.”

Alternatively, if you got an offer for the Indigo Credit Card in the mail, go to the website noted in the offer, click “Apply” and provide your invitation number and zip code. Keep in mind that you must either pre-qualify or have a mailed offer in order to apply for the Indigo Credit Card.

Although applying for the Indigo Credit Card requires a hard pull of your credit, it’s usually worth it if you were pre-qualified or received a pre-approved mail offer first. While these things don’t guarantee approval, they do mean that you have very good odds of getting approved.

In most cases, Indigo Credit Card applicants get an immediate decision when they submit a full application. It’s also possible that the issuer will need more time to make a decision, in which case you should receive a decision within two weeks. You can always call customer service at 1-866-946-9545 to check your application status.

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People also ask

What are the minimum Indigo Credit Card credit score requirements?

The Indigo Credit Card is open to applicants with bad credit. It's designed as a credit building unsecured card which reports to all three major credit bureaus.

The Indigo Credit Card requires you to pre-qualify before officially applying. While pre-qualification indicates that you have high odds of approval, it doesn't guarantee it. Pre-qualification only triggers a … read full answer soft inquiry, which does not affect your credit score. Once pre-qualified, you would still have to apply, which will trigger a hard inquiry and may cause a temporary dip in your credit score.

Keep in mind that those with Indigo Credit Card accounts that have been charged off due to delinquency are not eligible for pre-qualification or approval.

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Does Indigo do a hard pull?

Is the Indigo credit card legit?

Yes, the Indigo® Mastercard® for Less than Perfect Credit credit card is legit. It's an unsecured credit card for people with bad credit that's issued by Celtic Bank and serviced by Genesis FS Card Services, Inc., and it reports to the three major credit bureaus on a monthly basis.

While it is a legit card, better options for people with bad credit exist. Secured cards have lower fees and interest and are easier to get approved for, because they require a refundable security deposit upon approval. Check out a few of them … read full answer here.

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