Chip Lupo, Credit Card Writer
@CLoop
To get the Indigo Credit Card with a higher credit limit, you will need to exceed the card’s minimum requirements for approval. Those include a 500 credit score and an income high enough to make the minimum monthly payments, which are 5% of your new balance or $40, whichever is greater.
The Indigo Credit Card comes with a minimum credit limit of $700, and even that is higher than the limit the card previously offered. But the stronger your application credentials are, the better your chances will be of getting a limit above the minimum.
It’s important to try and secure a higher credit limit upon approval, as the Indigo Credit Card comes loaded with fees that will drastically reduce your available credit to start.
Key Things to Know About the Indigo Credit Card
- The maximum credit limit for Indigo Credit Card is $2,000, according to Indigo customer service.
- The Indigo Credit Card typically does not accept cardholders’ requests for credit limit increases. You may get approved for an automatic increase if you manage the account responsibly.
- The Indigo Credit Card has a $175 annual fee for the first year and both a $49 annual fee and a $0 1st yr, $12.50 per month after monthly fee after that. As a result, you won’t have your full credit limit available initially, since the first fees are tacked on before you even use the card.
Unless you need an unsecured card for emergency cash, you’re better off looking into secured credit cards to rebuild bad credit. The best secured cards have $0 annual fees and are easier to get than unsecured credit cards for bad credit.
Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
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It's important to remember that a...
read full answer by Christie Matherne, Credit Card WriterWhat is the Indigo Card credit score requirement?
The Indigo® Mastercard® for Less than Perfect Credit is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved for the Indigo® Mastercard® for Less than Perfect Credit.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Indigo Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment...
read full answer by Bogdan Roberts, Credit Cards ModeratorIs the Indigo credit card a good card?
The Indigo credit card is a good credit card for people with bad credit who want to build credit without placing a security deposit, as it reports to the major credit bureaus monthly.
On the other hand, you should also consider this card's drawbacks. The Indigo credit card's limit is only $700. You'll be charged an annual fee of $175 the first year ($49 after). Its regular APR is 35.9% which is above the...
read full answer by Shane Long, MemberDid we answer your question?
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