The Indigo credit card is issued by Celtic Bank and serviced by Genesis FS Card Services, Inc. Celtic Bank is an FDIC-insured bank founded in 2001 in Salt Lake City, Utah, while Genesis FS Card Services, Inc. has serviced Mastercard accounts across North America since 2013.
The Indigo Credit Card is intended for applicants with bad credit. Its key features are an unsecured credit line, fairly low fees, and monthly credit-bureau reporting. The annual fee is $0 - $99, depending on your overall creditworthiness.
This card has a WalletHub editor’s rating of 3/5. More details can be found in our full Indigo Credit Card review.
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.
You can easily apply for Indigo Credit Card pre-approval online. Just enter your full legal name, address, date of birth and Social Security number on the Indigo Credit Card website, along with your email address and your phone number. After you submit your application for Indigo Credit Card pre-approval, you should receive a decision in a few seconds.… read full answer
You have to pre-qualify for the Indigo Credit Card before you can officially apply for an account, so anyone who wants the Indigo Credit Card had better learn how to navigate the process. And while you now know the basics, there are some other important pieces of information you should be aware of.
Here’s what you should know about Indigo Credit Card pre-approval:
Although the Indigo Credit Card requires pre-qualification, you still have to submit a formal application afterwards.
Unlike most credit card applications, checking for pre-approval won’t cause a temporary drop in your credit score. That’s because it’s based on a “soft” credit check.
While pre-approval or pre-qualification indicate that you have high odds of approval, they don’t guarantee it.
If you don’t pre-qualify for the Indigo Credit Card, you may be invited to apply for a different card from another bank instead.
If you received an Indigo Credit Card offer in the mail, you can apply online by entering the invitation number quoted on your letter, along with your ZIP Code. Don’t forget that most credit card applications will trigger a hard pull, which may cause a temporary dip in your credit score. So in the meantime, you can sign up for WalletHub’s free credit reports and scores to make sure your credit is in the best possible shape when you apply.
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.
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