Bogdan Roberts, Credit Cards Moderator
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.
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.
Indigo® Mastercard® for Less than Perfect Credit
Jacob Mundt, Member
I've had this card for a year and a half and was just told that there is NO CREDIT LINE INCREASE for any card holders. This is the worst kind of card to have. A high annual fee and a low credit line. Will cancel when next year is over.
Keep the card and open. Leave a $10 balance on it so it’s constantly active and reporting on the credit bureaus. Once you cancel it and close that good reporting goes way and actually hurts your credit. It’s better to have it open with little to no balance. Having it open and a balance shows you can manage your usage responsibly opening you up for better offers in the future. Once you close it or cancel it you are essentially hurting your credit future. This card was made to help rebuild your credit. And get a good payment history in a certain amount of time builds your credit. It’s not about credit limits per day it’s to help you win in the long run. I’ve had this card for three years and managing it right has helped in my approval for a discover unsecured card with a $500 credit limit which in 12 months of on time payments increased my credit limit to $1800.
They don't offer increases.
So they are leading you to believe that there will be an increase (or possibility for one) after a year? and then tell you they give NO increases? That’s like a bait & switch tactic! There are a million reasons not to get this card! And that is the least of them! We should actually be thankful for that!!! This company is preying on good people trying to help their credit score! And raping you all the way to the bank!
People also ask
Clayborne Roby, Member
It seems that whether you have a perfect payment history, which is independent from your poor credit score, you most likely will still be turned down.
So if you don't do increase on your credit limit can I pay-off my balance and closes out this account without hurting my credit
I will tell you from experience that you will not get an increase and do not cancel the card because it will decrease your overall credit limit and will effect your credit score. It is best to keep the card and charge a minimum amount every few months ($10.00) to keep the account open. This will allow you to have a overall credit available of ($) whatever you opened the account with and not affect your balance available.
No, you won't get an increase. There is NO credit increase program for this card, and it's stated under their frequently asked questions.
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