You can check your Indigo Credit Card application status by calling customer service at (866) 946-9545. When the automated system asks for your account number, keep hitting the pound key until it prompts you to press “1” to be transferred to a customer service representative. Tell the representative that you would like to check the status of your Indigo Credit Card application, and give them your full name, Social Security number and date of birth. The representative will pull up your file and tell you whether your application is approved, denied or still pending.
You can’t check your Indigo Credit Card application status online, unfortunately. That’s not the only other detail you should know before you call, either. We’ll fill you in below.
Here’s what to keep in mind when checking your Indigo Credit Card application status:
Indigo Credit Card makes you pre-qualify online before applying, so anyone who gets to apply has a strong chance of success. However, approval is not guaranteed.
In most cases, you’ll get a decision within a few minutes of applying online.
If you’re approved, your card will arrive within 14 business days. If you’re denied, you’ll get a letter in the mail outlining why.
You can reach Indigo Credit Card customer service at (866) 946-9545 from 6 a.m. to 6 p.m. Pacific time, Monday to Friday. To check your application status, keep pressing the pound key until you’re asked to press “1” to speak to a customer service representative. Request an update on your application status and provide the necessary personal information.
The Indigo Credit Card was built for people with bad credit, so a bad score shouldn’t necessarily prevent you from qualifying. But you can still be denied based on your credit history, income or current debt levels.
If you check your Indigo Credit Card application status and find out that your application was rejected, you might consider applying for a secured card. Many secured cards will be among the easiest ones to get approved for with some not even requiring a credit check.
No matter which credit card you wind up getting, make sure to pay the bill on time every month. This will help you improve your credit standing. You can track your progress with WalletHub’s free daily scores and reports.
You can get the Indigo Credit Card even if you have bad credit, which means a credit score of 300 to 639. 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.
The Indigo Credit Card requires you to … read full answerpre-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. This is a standard starting credit limit for an unsecured credit card for people with bad credit, and it allows you to borrow for any small emergency expenses that might pop up. It's important to note, however, that cardholders may start out with less available credit, since the card’s annual fee will be charged when the account is opened.… read full answer
Having said that, it is also worth noting that it’s not possible to later request an Indigo Credit Card credit limit increase. The credit limit that you are assigned upon approval cannot be increased.
Ultimately, keep in mind that your credit limit will be determined based on a variety of different factors, but the two most important are your credit history and disposable income.
You cannot get an Indigo Credit Card credit limit increase, unfortunately. The credit limit that you are assigned upon approval cannot be increased.
Many credit cards do provide the option to request credit limit increases or offer them automatically to select cardholders who meet certain eligibility criteria. Keeping your account in good standing, paying your credit card bills in full and on time, while making sure your income information is updated will definitely help your odds of being approved for a credit limit increase.… read full answer
Since the Indigo Credit Card is targeted to people with bad credit, you can also have a look at some of the best high limit credit cards for bad credit, many of which also offer credit limit increases to eligible cardholders.
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