Genesis Financial Solutions

You can pay your Indigo credit card bill online. You can also make a payment over the phone by calling the number on the back of your card, or mail in a check or money order. The Indigo Mastercard requires at least a minimum monthly payment of $25 or 1% of your balance, whichever is more. Accepted forms of payment include a check or money order for mailed payments, and checking accounts for online and phone payments.

To make an Indigo credit card payment online:

1. Sign into your Indigo online account.
2. Navigate to the “Bill Pay” tab.
3. Enter the routing and account numbers for your bank account.
4. Select the amount you want to pay and the date you want the payment to be made.
5. 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.

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 $39 and will be subject to a penalty APR of 29.9%. Late or missed payments are also damaging to your credit score, and since the Indigo credit card is intended for people with less-than-perfect 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: 1-866-946-9545. A customer service agent can help you navigate the site and online bill payment services.

The most common Indigo Credit Card complaints among user reviews on WalletHub are about the card's high fees, the lack of a mobile app to manage the card, and difficulty making payments. These complaints do have some merit, too.

The card's annual fee can be quite expensive, but it can also be cheap. The fee assigned depends on the applicant's creditworthiness. The complaints about the lack of an app are also legitimate, as Genesis Financial Solutions (the card's issuer) does not offer one. And when it comes to trouble making payments, that seems to only be the case for a minority of cardholders. But those aren't the only gripes that customers have with the card.

Indigo Credit Card Complaints:

• High fees
• No mobile app
• Trouble making payments
• Trouble getting fraudulent charges reversed
• Difficulty getting credit limit increases
• General dissatisfaction with customer service
• High APRs
• Delay in available credit being freed up after payments

Nevertheless, the Indigo Card receives a user rating of 3.5/5 stars across more than 2,000 reviews on WalletHub, as of July 2020. Our editors' review also gives the card a score of 3.0 / 5. The Consumer Financial Protection Bureau does not have any complaints data on Genesis Financial Solutions. The BBB gives the company an “A” rating, and Genesis has been accredited since 2017.

At the end of the day, Indigo Credit Card complaints should be taken with a grain of salt. The card has a generally favorable reputation based on user reviews, and the company is reputable as shown by its BBB rating. However, it's important for you to read up on customer experiences and decide for yourself whether you think this card is worth getting before you apply.

There isn't an app for the indigo credit card at this time. That's unfortunate, though. We could really use one.

However, you can manage your credit card online, and the website you're looking for is https://indigo.myfinanceservice.com/. If you have questions about your card, contact them at 800-832-7569.

You can cancel your Indigo Credit Card by calling 1-866-946-9545. And cancelling may be a good idea, considering the hefty $99 annual fee from the second year on.

Cancelling any credit card will slightly affect your credit score, but the impact isn't massive.

You can easily see whether you qualify for Indigo® Mastercard® for Less than Perfect Credit pre-approval online. Just enter your full legal name, address, date of birth and Social Security number on the Indigo Card website, along with your email address and at least one phone number. After you submit your application for Indigo pre-approval, you should receive a decision in a few seconds.

You have to pre-qualify for the Indigo Mastercard before you can officially apply for an account, so anyone who wants the Indigo 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 pre-approval:

• Although the Indigo Credit Card requires pre-qualification, you still have to submit a formal application afterwards.
• Unlike a credit card application, 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.
• If you get pre-approved, that means you have a roughly 90% chance of a successful credit card application.
• If you don't pre-qualify for the Indigo Card, you may be invited to apply for a different card from another bank instead.

If you don't get Indigo pre-approval the first time, you can try again in 60 days. And 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.