How to apply to Indigo Platinum Mastercard Credit Card

The Indigo Platinum Mastercard helps consumers with poor credit reestablish positive payment histories. With no security deposit and flexible qualifications, cardholders focus on responsible money management translating to increased limits and better terms over time.

Ideal for new borrowers or those rebuilding financial reputations, the Indigo card extends a credit lifeline to start fresh. Easy to understand fees and incentives make fiscal literacy simpler while monitoring your own spending patterns and behaviors mature.

Though initial limits remain low, just $300 provides a meaningful head start improving access should urgent needs arise. Most importantly, on-time settlements report across bureaus demonstrating your reliability for prime-time products later. So, rebuild confidently with Indigo’s second-chance attitude to forge the healthier financial life you deserve.

Benefits of Indigo Platinum Mastercard

As a Platinum Mastercard, Indigo card is quite outstanding. Here are the key main benefits that you will be able to get out of this card.

• No security deposit or upfront costs
• Credit limits starting at $300
• 1% cash back rewards potential
• Online account management
• Monthly reporting to credit bureaus
• Instant decision with no credit impact
• No prepayment penalties

Prerequisites

To qualify for Indigo’s rebuilding promise, applicants should meet these base criteria:

• Minimum age of 18 years old
• Verified identity and legal residency
• Personal checking account
• Regular income over $1,000 monthly
• Willingness to share credit details
• Previous credit troubles (if applicable)

With well-intended products, customer intentions make the difference long-term. We ask for transparency around past issues while taking next steps towards stability.

Who is this card for?

The Indigo Platinum Mastercard suits those looking to rebuild credit after financial mistakes or lack of borrowing history. Specifically, it can help if you:

• Are just starting and need an entry point
• Have defaulted on obligations in the past
• Went through bankruptcy or foreclosure
• Have collection accounts on your report
• Possess low current credit scores
• Were denied by other issuers

With flexible reduced limits and monthly credit reporting, the Indigo card gives an approved chance to demonstrate responsible usage critical for gaining more options. Just ensure you can make on-time minimum payments building positive standing.

Step-by-step Indigo card application

Ready to apply? Simply follow these steps:

1. Visit Indigo Card page and click “Apply Now”
2. Choose Platinum Mastercard terms
3. Complete the short pre-qualification form
4. Review customized terms if pre-approved
5. Submit ID documents for verification
6. Use card once received to start rebuilding

Check application status by calling (800) 353-5920. Card arrival takes 7-10 days after approval.

TAP HERE TO APPLY TO INDIGO PLATINUM MASTERCARD CREDIT CARD

Positives and negatives

For those with troubled financial histories, the Indigo Platinum Mastercard warrants consideration rebuilding credit. Approval remains possible despite previous setbacks, although credit limits stay below $1,000 initially.

Monthly credit bureau reporting also helps demonstrate responsible usage as cardholders work towards increased limits and graduates to other lending products. However, the ongoing variable APR of 25.9% on purchases makes falling behind payments expensive, negating rebuilding progress.

Similarly, annual fees ranging from $0-99 minimize value for the limited initial spending power. Consumers with existing good credit may access better rates and incentives through prime issuers instead.

In total, the Indigo card best fits those needing a credit improvement starting line despite past issues. But be cautious of high costs if you consistently carry balances as these defeats rebuild efforts over time.

How to unlock the Indigo Card

Activating your new Indigo Platinum Mastercard is simple once received by mail. Just call the number on the sticker found on the front of your card and follow the verbal prompts.

Ready? Here are the step-by-step instructions:

1. Locate the sticker on your card showing a phone number
2. Dial the number ending in 8809 for customer service
3. Enter your 16-digit card number when prompted
4. Verify your identity by providing personal details
5. Select and enter a 4-digit transaction PIN
6. Confirm your request to unlock the card for purchases

You can also activate through the Indigo online account portal by signing into your account and clicking “Activate My Card”. This instantly updates your status for card terminal or digital wallet purchases.

Fees & Interest Charges

The Indigo Card aims to optimize value, not price its rebuilding mission out of reach. But some costs may apply depending on your history and usage:

• Annual Fee: $0 to $99
• Monthly Fee: $0
• APR for Purchases: 24.9% variable
• Balance Transfer Fee: $0 or 3%
• Cash Advance Fee: $5 or 5% (max $100)
• Foreign Transaction Fee: Up to 1%

While no cardholder wants fees, financial habits necessitating them hinder credit turnarounds. Avoid late, overlimit or cash advance charges through timely payments empowering your transition to prime credit tiers.

About the Issuer – Celtic Bank

The Indigo Platinum Mastercard is issued by Celtic Bank, founded in 2001 as an online financial provider based in Salt Lake City, Utah. They focus specifically on banking services and lending solutions aimed at helping everyday Americans work towards financial wellness and achieve greater economic mobility.

Currently, Celtic Bank holds over $1 billion in total assets under management through their various credit card and loan offerings nationwide. The Indigo rebuilding card aligns with their mission of expanding transparent access to credit building tools – regardless of prior setbacks.

Let Celtic Bank and Indigo Card help you gain the strong fiscal footing you deserve through a simple, understanding credit solution.

Download the Celtic Bank mobile app (iOS/Android) to monitor your account. You will be able to access the mobile app through following URLs.

TAP HERE TO DOWNLOAD THE CELTIC BANK APP ON IOS

Customer Service

Indigo Card supports rebuilding journeys through compassionate counseling and account guidance. Access help through:

• Phone: 1-800-353-5920 for application questions or account management
• Email: support@indigocard.com for billing errors or managed dispute processing
• Chat between 8am-midnight ET
• PO Box 4477
• Beaverton, OR 97076-4477

They stand ready through any channel, optimizing digital platforms for convenience while retaining personal outreach pathways should more complex needs arise. Contact Indigo Card customer service with confidence as fiscal second chances deserve first-class support.

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