The Indigo Credit Card annual fee is $0 - $99, depending on your creditworthiness when you apply. Indigo Credit Card’s $0 - $99 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the Indigo® Mastercard® for Less than Perfect Credit, either.
Indigo Credit Card Fees
Annual Fee: $0 - $99
Cash Advance Fee: None 1st yr, either $5 or 5% after
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 answersoft 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.
The easiest way you can pay your Indigo Credit Card bill is either online or by phone at (866) 946-9545. The Indigo Credit Card requires at least a minimum monthly payment of $25 or 1% of your balance, whichever is more.
Online: Sign into your Indigo online account and navigate to the “Bill Pay” tab. Enter the routing and account numbers for your bank account and select the amount you want to pay and the date you want the payment to be made. Submit your payment by 5pm, Pacific Time to ensure it’s credited the same day. Payments made after 5pm will be credited on the next calendar date.
By phone: You can also make a payment over the phone, by calling Indigo Credit Card customer service at (866) 946-9545. You will be asked to enter your account number before they connect you to a representative.
By Mail: Alternatively, you can send your check or money order through the mail. The address is:
Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477
It’s very important to make sure your Indigo Credit Card payment gets credited by your due date each month. If you’re mailing in your payment, be sure to allow at least seven business days for the payment to arrive. Late payments will be charged a fee of $40 and will be subject to a penalty APR of 29.9%. Late or missed payments are also damaging to your credit score, and since the Indigo Credit Card is intended for people with Bad credit, you don’t want to make your credit situation worse.
If you have any trouble logging in to your account or paying your bill, you can call Indigo’s customer service line: (866) 946-9545. A customer service agent can help you navigate the site and online bill payment services.
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