Indigo® Platinum Mastercard®

Had the card for one year.  Paid on time never late.  Requested a credit limit increase after my one year anniversay.  Customer Service Rep stated that they do not give those out.  Don't waste your time.  Part of trying to increase your credit score and show your credit worthiness is for companies to increase your credit limit to show other creditors you are to be trusted.  

Had this card for bout 7 months never paid late I really dont think they give credit increases my other card gave me a 300 increase on 6th month , I will be paying this card off and closing account in Feb 2019.. It worked for me temporarily, not a long term credit card and interest is high .. 99 annual fee ,lol, will be closing account b4 that fee gets charged ,lol

Credit Limit only gives $300 with no program set up for credit increase. Customer Service is the worst ever most likely an outsourced phone answering service. Use this card only as a throwaway your don't care about cancelling or losing.

I have cash left on my balance but I can't use it. Can't access customer service unless you call a number and wait.

I put the wrong payment amount in. went to amend it, 'cancel payment' tab wouldn't even open up. the website clearly says you can cancel payments up to 4:30 pm on the due date; it's 10 am. the guy I talked to said I cannot change the payment because it's scheduled to come out today. I'm not trying to cancel my payment, just amend it!

It’s been over 2 months and 2 replacements sent and I have yet to receive the “card” they claimed they sent. When I called to cancel the card, the lady was very rude and didn’t want to close out the account. She kept talking about credit. I told her frankly I rather just obtain another credit card from another company. Don’t mess with these jokesters!!!

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Customer service sucked bad paid card off and money wasn't availiable for 2 weeks even tho it cleared my bank and they showed it as paid on their website!!!! Dont get this card!!!!

I applied for the indigo card and was approved for the $300 line of credit on August 2nd. It took about three weeks for the card to show up. I believe my score was in the lower 600’s (between 600-620) at the time. I only called customer service once in regards to my due date being that the card  arrived after the due date had already passed. The lady was nice. The due date changed to the following month. Overall I will say that I personally have not had any bad experiences with my account. Thank goodness! No fraud, no declines, no over the limit fees, no cash advances, no late fees and no interest fees because I pay my balance off in full every month before the reporting date! If you don’t want to pay interest then pay your balance in full to keep more of your own money in your account. They offer an over the limit service for about $35-39 I believe, however I wouldn’t recommend it unless it’s an emergency. I never used it. They also offer cash advance free of charge, to new customers within the first year but the catch is you have to wait three months before you can take advantage of this feature. I’m giving them four stars because I hate the annual fee however it’s my bad mistakes and ****ty credit that put me there! Oh and also I do recommend that you pay your balance on a weekday preferably Monday through Thursday to help eliminate the days of processing. I’ve noticed if I pay on a weekday that’s not an holiday, my payments typically process overnight and are available the next day but when I pay on a Friday or weekend it takes about a week.

•Cash Advance

•Unsecured Credit

•Over The Limit Feature

•Multiple Payments Per Month

I checked my balance before purchasing something recnelty, to make sure I had enough money on the card. Its $300 limit which I liked because I am able to complete blanace when my payment is due everytime no problem. Checked my balance before going to check out, and my card DECLINED and I had them swipe more because I literally had my available balance pulled up on my phone but my card was not working, so I left extremely embarrased and called them and they said that the actual about on my card is delayed on the website! WHAT THE HELL IS THE **** POINT OF HAVING ONLINE ACCOUNT AVAILABILITY IF THE INFORMATION THEY GIVE YOU IS INCORRECT?!?!?!?!? AWFUL, CANCELING AFTER I MAKE MY NEXT PAYMENT. ABSOLUTELY RIDICULOUS!!!!!!

Don't do it!! Thier customer service is actrocious! I was pre-approved and applied. I never activated my card though. I made one call to thier customer service and thats all it took. I canceled  the card right there on the phone. I never activated my card. They charge you a yearly fee. They have a horrible rating with the BBB in Oregon. I have a line of credit with Capital One and Wal-Mart. I have no desire to take it in the rear with these clowns!!! Why punish yourself? 

If you need to improve your credit it will help. I closed it after a year. Got better cards with no annual fee. 

The credit card company is the worst I ever seen, the system is always not accurate so I pay two weeks in advance and they still tell me my payment is past due, they take forever to post payment but been took it out my checking account making the payment look late. I hate this company and this card. I have to close this one...

Please don’t apply for this card they don’t apply your payments until after your due date, which I paid two weeks in aduand they still find away not to apply it, but been took the funds out my checking account. They are horrible credit card company. Please DONT!!!!

They took 7 weeks to get me the card. I had to call after 4 weeks for them to send me a another one since I never received the first one. By the time I received the card, my bill was past due and charged me with a late fee. I could almost deal with that other than the fact that a representative told me he would waive the late fee since it took so long for me to get the card. Called back the very next day and a lady told me she was sorry that I was told incorrect. Never again will I use this card. Paying bill in full and cancelling account

Process was easy, but unless this is your only option, this card is not worth the high interest, and high annual fee for such a low credit limit. They also do not have an option to raise the credit limit. What's the point? I canceled the card before I even activated it.

This company has no idea what they are doing. they will pull out payments before you tell them to then charge you for not having enough to cover the payment. Then when you call they blame you and lock your card for 2 weeks after you make another payment. Don't waste your time with this card.

When I was 18, I didn't realize the implications of credit. Therefore, I got approved for a Student Discover card with like a $900 limit. Needless to say, I messed up and it went to collections. At 25, I'm still having so many problems with my credit. I recieved a preapproval offer in the mail, rolled my eyes, and put it in my mail pile (everyone has one). I few weeks later, I was like "why not?" and here I am, approved for a $300 monthly limit.

I'm currently using it for my gas expenses to/from work and pay off (leaving a $25 balance) every time I get my paycheck, so I carry a $50 balace mainly at all times and make more frequent payments which works well for me. The only negative thing I have to say is sometimes my transactions don't show up in my transactions for days, however it is taken out of my "available credit". I'm really thankful for this card for giving me a second chance so that I can get this resolved.

So far, I also haven't needed to contact customer service but I've heard mixed reviews and will judge when I have to contact them.

I was offered a Indigo Platinum card with a $300 limit so I thought I would take it since I only had one other card a Capital One card with a $500 limit. My issues is not just the high interest and yearly fees I knew that was the case when I accepted it. I have issues with the fact they don't let you have full access to your approved credit limit.
For example I have a $300 limit I log in one day to make a payment and see how much credit was available my balance was at $212 but it said no available credit? Which is odd because I also have the over the limit plan which covers me in the event I go over my limit which I never have. I called customer service and asked why they just said it's the company policy and that it helps users not to max out their cards lol really shouldn't we be the ones to decide how much of our approved limit we use ? I will be cancelling this card next month after I pay it off

High apr and annual fee

Worts card ever. Annual charge $99 for 300 credit.  I cancelled this card after 3 months.  Also terrible costumer service hard to undertand their accent. 

They report to the credit agencies but they seem to only report to them when your holding a balance due on the card that you can't pay because it's not posted. How you going to report my balance and I can't pay it yet because you guys take 4ever to post the balance. That's not far. I don't recommend it. I only use it for my Amazon prime cost and will be getting rid of it asap

Annual fee sucks, but website works great. Payments process online smoothly. Interest rates are as high as agreed upon when you apply for the card so no need to cry about it. Card works great. Smooth activation. Very few banks are willing to work with ppl who possess bad credit. Indigo is one of those few.....i am very grateful to have them assisting me with rebuilding me credit. The only reason i gave 4 stars instead of 5 is due to the high annual fee. Other than that, the card does exactly what its intended to do. Hope this review helps.

If you ever have to call customer service, you will be speaking to somebody overseas. I had a fraudulent transaction which try removed and then placed back on my account a month later. After being on hold for an hour trying to get a resolution, I have decided it’s not worth it so I’m just paying off the balance and closing the card. Lesson learned 

The interest is high. I have two other credit cards with the same credit limit. This one has the highest minimum payment due each month. No options for a cash advance. No cash back options. No rewards whatsoever. And a $75 annual fee is ridiculous. This is literally just the most basic of the basic starter cards for people who are really working to improve their credit. Find another card. I recommend capital one.