How to Use Indigo Credit Card

The Indigo Credit Card is the perfect unsecured credit card or customers to build back their credit scores. Moreover, the company offers cardholders the perks of no deposit fees, higher odds of getting approval for the card, and a considerably convenient payment methods with various options suiting the need of all its users.

How to Use Indigo Credit Card

Apart from a fairly simple method of application, using the Indigo card is relatively easy. You can easily navigate through building your credit score if you:

  • Make payments within the due date each month.
  • Avoid the buildup of debt because of interests by paying your full dues as frequently as possible.
  • Utilize the advantages it provides, like extended warranty.
  • Maintain your credit utilization below 30%

Building Credit with Indigo Credit Card

Indigo Platinum MasterCard

Indigo credit card allows customers with a bad credit history to rebuild their credit score. Here are a few factors that play an important role:

On-time Payments

Fundamentally, cardholders need to be vigilant about paying their credit bills before the due date. 35% of the overall credit score consists of payment history. Hence, paying on time can help in maintaining a good score.

Ideally, you should pay more than the minimum credit you are due. Nevertheless, to maintain acceptable payment history, you should pay the minimum due at the very least. Correspondingly, it testifies to future companies that you are capable of paying back on time.

Another thing to look out for is the building debts from the interests. Although paying the minimum due is enough to create a good payment history for you, you will be charged considerable amounts of interest on the balance amount, which can eventually mount up. This puts you at a risk of further damaging your credit score in case you are unable to repay the debts and end up filing for bankruptcy.

Credit Utilization

Another factor greatly influencing your credit score is your credit utilization. Credit utilization essentially refers to the amount of money you’re charged from your credit card or borrowed, in contrast with the available credit limit.

To build your credit score, it is best to maintain your credit utilization at less than 30% of the credit limit your credit card offers. In the case of the Indigo credit card, the starting credit limit is significantly low. Hence, cardholders need to be cautious about the money they spend using the card.

The lower the credit utilization, the better chances you have of maintaining a good credit score and eventually building it. In case Indigo Platinum MasterCard is the only credit card you own, you will only have a credit limit of $300 to work with throughout the month.

It is risky considering the high chances of overstepping the 30% limit by making purchases even above $100. Hence, you should only utilize the card for minimum expenditures, or you can pay back the credit multiple times within a month if you overstep the 30% boundary.

After maintaining a relatively low utilization rate and a good payment history, it is easier to qualify for other cards.

Is Indigo Credit Card Worth It?

The Indigo MasterCard is a reasonable option for customers with low credit scores for various reasons. Some of the core reasons are:

  • Indigo offers a higher approval rate and offers prequalification to its customers to prevent their credit scores from further deterioration.
  • The credit company weighs the creditworthiness of each customer. Hence, you are legible to have $0 annual fees potentially.
  • It is an unsecured card, and the credit company does not expect its customers to pay a security deposit.
  • The card offers a decent, standardized initial credit limit.


The Indigo credit card comes with various advantages and provides an open opportunity for its cardholders to build a good credit score. It is fairly easy to use your Indigo cards to prevent any damage to your credit score and instead building it.

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