The MyIndigoCard was issued in the USA by a Utah-based bank, the Celtic Bank. It was introduced for the sole purpose of attracting individuals who are suffering from poor credit and those who are beginners. It has also served individuals who are determined to build credit after bankruptcy.
It is a viable option for those who want to build credit since the enthusiasts are not expected to pay a security deposit, and neither Indigo checks their credit.
While other cards in the market may damage the credit of individuals who apply for their cards, the prequalification process introduced by Indigo increases the chances of the application getting approved without a credit check.
Q1. How long does it take to receive MyIndigoCard?
The approved individuals receive their MyIndigoCard within two weeks from when the applicant submits their application until it arrives in the mail.
However, if the approved applicant does not receive their MyIndigoCard within 21 days, they are advised to call MyIndigoCard’s customer service at (882) 260-4532. The customer service agents are available 24 hours a day and seven days a week.
Q2. How to apply for the MyIndigoCard?
Firstly, open the online Indigo application page and tap on “Pre-Qualification Now.”
Then the applicant must add their name, address, e-mail, date of birth, and social security number and tap on “Pre-Qualification Now.”
After that, the applicants are advised to review the terms and conditions of the MyIndigoCard. If the applicant is not approved, they are advised to get pre-qualified for another card issued by a different bank.
Finally, the approved applicants have to fill out the application form for a MyIndigoCard and later tap on “Apply.”
On the other hand, if the applicant receives an offer from the MyIndigoCard in their mail, they are advised to visit the mentioned website, tap “Apply,” and then add their invitation number along with the zip code.
Note, this is for those who have either pre-qualified or received an offer through mail.
In most cases, MyIndigoCard applicants receive a response immediately after submitting their application. It may also be possible that the issuer might require some time before approving the application; the applicant has to wait for approximately two weeks before they receive their answer. The applicants are advised to call Indigo’s customer service at 1-866-946-9545 to gather knowledge of their application process.
Q3. Is the MyIndigoCard legit?
Yes, the MyIndigoCard is a legit, real card. It is a viable option for those struggling with poor credit or those who want to rebuild credit after bankruptcy. It is an unsecured credit card issued by a Utah-based, Celtic bank. In addition, the MyIndigoCard is serviced by Genesis FS Card Services, Inc. Nonetheless, the monthly report of a MyIndigoCard cardholder is sent to three major credit bureaus to check the financial activities of a cardholder.
Q4. How do I pay for MyIndigoCard Online?
When paying for MyIndigoCard online, the cardholder must begin by signing in to their Indigo online account. Then, they would have to find the “Bill Pay” tab. After that, the cardholder is advised to add their bank account’s routing and account numbers and select the amount they have to pay along with the date they want to pay. The cardholders are recommended to submit their payments before 5 pm Pacific Time to make sure it is credited on the same day. Otherwise, payments made after 5 pm are credited on the next calendar date.
Q4. Can you make payments on call?
When paying for MyIndigoCard by phone, the cardholders are advised to call Indigo’s customer service at (866) 946-9545. The recording would ask the cardholders about their account number before the agent is connected with them on call.
Q5. Can you make payments by mail?
The MyIndigoCard cardholders are also provided with an option to pay through mail. They have to mail their payment to the following address:
Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477
The MyIndigoCard cardholders are recommended to make sure they successfully credit their monthly dues before the due date each month.
If the cardholder is mailing their payment, they must make sure that the payment has been mailed seven business days priorly for it to be delivered on time.
Q6. What is the importance of paying back on time?
Those who pay back after the due date are considered late payments, and cardholders are charged $40 for their error, along with a penalty APR. Cardholders who pay their monthly dues later or miss them have a high chance of damaging their credit score. Even if MyIndigoCard is for those with a deteriorating credit limit, it might damage their credit even more if they do not pay it back on time.
Miriam Caldwell has been working as a freelance writer about budgeting and personal finance basics since 2005. Caldwell’s work has been published by GOBankingRates, The Balance, and BlissfullyDomestic.com. She teaches writing as an online instructor with Brigham Young University-Idaho and is also a teacher for public school students in Cary, North Carolina.