The Indigo Credit Card is a credit card designed for people with poor or limited credit histories. The card is issued by Celtic Bank and is accepted at millions of locations worldwide. The Indigo Credit Card is an unsecured card, which means that no collateral is required to obtain it.
How to Apply for Indigo Credit Card?
The Indigo Credit Card application process is simple and can be completed online. Follow these steps to apply:
- Visit the Indigo Credit Card website and click on the “Apply Now” button.
- Enter your personal information, including your name, address, and social security number.
- Provide your employment information, including your employer’s name, address, and phone number.
- Provide your financial information, including your income, expenses, and any existing debts.
- Submit your application and wait for a decision.
Eligibility Requirements for Indigo Credit Card
To apply for the Indigo Credit Card, you must meet the following eligibility requirements:
- You must be at least 18 years old.
- You must have a valid social security number.
- You must have a U.S. mailing address.
- You must have a checking account.
- You must not have a pending bankruptcy filing or have had a bankruptcy discharged in the past two years.
- You must not have any seriously delinquent accounts or any accounts in collections.
- You must not have a history of fraud or identity theft.
How to Pay?
The Credit Card from Indigo offers several ways to make payments:
- Online Payment: Log in to your Indigo Credit Card account online and make a payment using your checking account or debit card.
- Phone Payment: Call the Indigo Credit Card customer service number and make a payment over the phone using your checking account or debit card.
- Mail Payment: Send a check or money order to the address listed on your Indigo Credit Card statement.
- Cash Payment: Make a payment in person at a Western Union location.
Benefits of Indigo Credit Card
One of the primary benefits of this Credit Card is that it can help improve the credit score of people with poor or limited credit histories. The card reports to all three major credit bureaus, providing users with an opportunity to build their credit profile.
Additionally, the Indigo Credit Card offers a pre-qualification process that does not impact the user’s credit score, making it an attractive option for those who are concerned about credit inquiries affecting their score.
This Credit Card from Indigo also comes with fraud protection, so users can shop with confidence, knowing that their transactions are secure. Additionally, users can enjoy access to their credit score for free, which can help them monitor their progress in building credit.
If you need help to log in your credit card account, try one of the following:
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Features of Indigo Credit Card
The Indigo Credit Card comes with several features that make it a suitable choice for people with limited or poor credit histories. The card offers a credit limit of up to $300, which can be increased over time with responsible use.
The annual fee for the card ranges from $0 to $99, depending on the user’s creditworthiness. Additionally, the card comes with a variable APR ranging from 24.90% to 29.90%, which is higher than average credit card APRs but typical for cards designed for those with poor credit.
What Should You Consider While Applying For Indigo Credit Card?
While the Indigo Credit Card offers several benefits, users should also consider some potential drawbacks. The card comes with high fees, including an annual fee and various transaction fees.
Additionally, the high APR may make it challenging to pay off balances, leading to a cycle of debt if not used responsibly. Users should also keep in mind that the card is designed for those with limited or poor credit, so it may not offer the same benefits and features as other credit cards.
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