![]() You can reach customer support by calling 1-80. Card Services was not included in the 2021 J.D. Power Credit Card Satisfaction Study. The Indigo card is serviced by Genesis FS Card Services, though, and this would be the group handling customer services issues. As a small card issuer, Celtic Bank is not among the card issuers ranked in the J.D. The Indigo Mastercard is issued by the Celtic Bank, a privately-owned industrial bank based in Utah. In addition, the card’s value to building a positive credit history will be reduced, since carrying a balance employs more of your credit limit-and the lower your “credit utilization,” the better, so far as credit bureaus are concerned. With such a rate, the card is less than ideal for those who want to carry a balance, since interest charges will add up especially quickly. Like many such cards aimed at credit-challenged consumers, the Indigo Mastercard has a fixed and fairly high APR. That makes it a poor choice to take along on a trip, even compared to many other cards aimed at those with limited credit history or credit challenges. The Indigo Mastercard also has no travel benefits and charges a fee (albeit of a low 1%) on transactions made in foreign currency. That low limit makes the Indigo Mastercard a card more for people eager to build their credit than those who want to actually use it to make purchases. It’s also for such people who prefer not to (or cannot) come up with the security deposit required for a secured card, the leading alternative for those with no or damaged credit who want to improve their creditworthiness.Ĭompared to the issuers of some competing cards, Indigo has a low and fixed credit limit of $300, with no process disclosed by which to increase it. The Indigo Mastercard is designed for applicants with poor credit (which Experian, one of the three credit bureaus, defines as having a credit score of between 300 and 579) who want to build or rebuild their credit history (the card’s transactions are shared with those agencies). While those omissions are fairly standard for a card designed for people with credit challenges, they’re unusual for a card that charges annual fees, at least to some of its cardholders.
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