Credit Card

Indigo Credit Card: How to Apply & Login!

Published On January 8, 2024

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In this post we will get to know more about indigo credit card and indigo credit card login, advantages, Price, features, and login to the same. The Indigo credit card is an option if you’re hoping to rebuild your credit, but it may not be an ideal one.

The card, issued by Utah-based Celtic Bank, comes in a variety of different colors and designs, but don’t let that distract you from its potentially high fees.

Depending on the offer you get, it can provide a costly pathway toward building credit. Even for those with poor credit, better options exist.

About Indigo Credit Card

Concora Credit, a business that creates financial products for customers with low or no credit ratings, is the company that services the Indigo Mastercard, often known as the “Indigo credit card.” 

The Indigo credit card does not need a security deposit and provides a means of credit card use for those with subpar credit scores; nonetheless, the card has extremely high fees, with an annual percentage rate of 24.9%. Because of this, unless you have no other options and your credit score is low or negative, we would highly advise against using the card.

We will examine the key features of the Indigo credit card in this post, along with fees, payment options, and other details.

How to Apply for Indigo Credit Card

For Applying to the Indigo Credit Card Login we only need any credit card of any credit card service provider and to apply for the Indigo Credit Card Login we only need to OPT authenticate provided by the Bank it is as simple as it. 

And for the same Follow the steps given below

Step1. Visit the official website of Indigo by click here

Step 2. Click on the Ragistration Tab where you need to enter you card details which already posses.

How to Apply for Indigo Credit Card

Step 3. Now you need to authenticate from your bank and get you cared activated.

Step 4. You will get you card by post, So you need to provide with your postal address.

Indigo Credit Card Login

And for login you need to go to the same link and enter the credentials and getting started with the services.

Step 1. Step1. Visit the official website of Indigo by click here

Step 2. Fill out all of your details which are required to login which are as followed.

  1. Username and password which were proved though e-mail.
  2. Authenticate the login by providing an OTP

Step 3. After authenticating by OPT generated you will be allowed to login.

What is the Cost of the Indigo Credit Card Login

The annual fee for the Indigo credit card is $75 for the first year of use and $99 thereafter. You might anticipate not having to pay any monthly or annual fees, depending on the terms that are presented to you when you apply for the card.

Additionally, there is the 29.9% annual percentage fee (APR) that the Indigo Mastercard imposes on cash advances each year. Customers should additionally anticipate paying 24.9% APR on purchases.

Advantages and Disadvantages of Indigo Credit Card Login

Despite the extremely high costs connected with the Indigo credit card, the product offers a few advantages that may persuade some consumers to choose it over other options. Pros include reporting to all three major credit agencies (Equifax, Experian, and TransUnion) and having no criteria regarding credit score. FDIC insurance is also provided.

ProsCons
There is no need for a security deposit.APR for purchases is 24.9%, while for cash advances it is 29.9%.
accessible to clients with bad or no credit.High costs.
submits reports to the three main credit reporting organizations.$300 is a small beginning credit line.
fraud defense in the event of theft.The annual fee is deducted from the credit limit.
FDIC-protected money

Do you familiar with the American Express Blue Cash Preferred Card? For obtaining cash back on regular purchases, it’s great offers, APR and CashBack.

Interest rates and fees of Indigo Mastercard:

APR for Purchases-                24.9% 

APR for Cash Advances         29.9%

Paying Interest-                     The due date is at least 25 days after the close of each billing cycle.

Minimum Interest Charge-      If you are charged interest, the charge will be no less than $1.00.

Additional Fee for Indigo Credit Card

There are certain extra fee which a Indigo Credit Card hgolder need to pay which are listed below.

  • Set Up and Maintenance Fees Monthly Fee:- None Annual Fee: $75 the first year; $99 thereafter.
  • Transaction Fees Cash Advance Fee:- $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100) Foreign Transaction Fee: 1% of each transaction in U.S. dollars.
  • Penalty Fees Late Payment Fee:- Up to $40 Overlimit Fee: Up to $40 Returned Payment Fee: Up to $40.

Conclusion

The Indigo credit card is one of several products that Genesis Financial Solutions offers to individuals without credit, along with the Milestone and Destiny cards. Since none of the cards need a security deposit up front, they are all unsecured, but they do come with high costs.

Moreover, The Indigo credit card is a very expensive option for customers who want to rebuild their credit score. If you decide to go with the Indigo card, make sure to use it just to rebuild your credit score, and then seek some other, more affordable credit card option to switch to.

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FAQs

The quality of a credit card can vary based on individual needs and circumstances. Milestone is designed for individuals with less-than-perfect credit. It may offer benefits such as helping to build credit, but it might have higher fees and interest rates.

Indigo, like other credit cards, operates under industry-standard security measures to protect your information. However, ensure you follow best practices like safeguarding your card details and monitoring your transactions regularly for any suspicious activity to enhance its safety.

The Indigo credit card is accepted anywhere where Mastercard credit cards are accepted (about 37 million merchants globally). It’s a good practice to check with the specific retailer or establishment to confirm they accept Indigo before making a purchase.

To close your Milestone credit card, contact the customer service number on the back of the card or visit the issuer’s website. They’ll guide you through the process. Make sure to clear any outstanding balance before closing the card. What bank does the Indigo credit card use? Indigo credit cards are issued by Celtic Bank and serviced by Concora Credit (formerly Genesis Financial Solutions).

There are 40 different agreements for cardholders, so you won’t know the rates and fees until you apply. The credit limits vary from $300 to $2,000. But, if you have a lower limit, you might only be able to use part of it at first.

You’ll only be hit with one Over limit Fee each billing cycle, even if you happen to go over your credit limit several times within that same cycle. If you haven’t been charged an Over limit Fee in the past six billing cycles, the fee is $27. However, if you have, the fee increases to $38.

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