How much is the Indigo Credit Card annual fee?

To get the Indigo Credit Card you need a credit score between 300 to 639, meaning you can get this card even if you have bad credit. The Indigo Card is designed to help people improve their credit score, so it has easy approval requirements and it reports to all three major credit bureaus.... read full answer

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 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.

The Indigo Credit Card credit limit is $300, at a minimum. This is a standard starting credit limit for an unsecured credit card for people with bad credit. It's important to note that cardholders may start out with less available credit, since the card’s annual fee of $0 - $99 will be charged when the account is opened.... read full answer

What you should know before applying for the Indigo Credit Card:

It is worth noting that the issuer does not offer Indigo Credit Card credit limit increases. So, your credit line will remain the same until you close the account.

Ultimately, keep in mind that your credit limit will be determined based on a variety of factors, but the most important ones are your credit history and disposable income.

The easiest way you can pay your Indigo Credit Card bill is either online or over the phone at (866) 946-9545. Alternatively, you can send a payment via mail. The Indigo Credit Card requires at least a minimum monthly payment of $40 or 7% of your balance, whichever is more.

Here’s how you can make an Indigo Credit Card payment:... read full answer

• 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.
• Over the 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. 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.