Activating My Indigo Credit Card on Myindigocard.com/activate will enable you to take benefits of eligible rewards and credit limit. Let’s explore the Indigo Credit Card activation, login process with fees charge, bill payment, and reward details.
If your credit is anything but perfect and you are on the lookout for a card that can help you jump back on track, then Indigo MasterCard can fit your bill perfectly. Gone are the days when you will be tied down by past mistakes as the Indigo card will allow customers to check past overdue debts and sort them out. This unsecured Credit card issued by the Celtic Bank, Salt Lake City, UT doesn’t require any security deposit amount. Customers can both build and improve their credit history with this platinum MasterCard. The credit history is shared with the three major credit bureaus to help customers maintain a stellar credit score. It is imperative to note here that a good credit score is one of the prerequisites while applying for loans or similar credit as lenders charge a reduced interest rate.
3 Activation methods of My Indigo Credit Card
The Indigo Card can be activated either via phone, mobile, or online. All these methods are pretty easy and can be fulfilled by following the below-mentioned steps:
1. Activation via Phone
- Call Indigo’s customer service assistance line at 1-866-946-9545. (6 am to 6pm on Pacific Time)
- Here you will be greeted by an IVR or interactive voice response and you will have to select the Indigo Card activation option.
- The IVR will send prompts and following them will help activate the card.
- For further queries, you can speak with a customer service executive by pressing the # key.
- Finally, you need to provide the card details to the customer service representative for card activation.
2. Activation via Mobile
- Log on to myindigocard.com and download the mobile app before launching it on your smartphone.
- Now type in your credentials and click the ‘Login’ button.
- In the third step, create a PIN for your card.
- Finally, click on the ‘Activate’ button and start using your card for transactions.
3. Online Activation
- Log onto the official website myindigocard.com using any web browser and click on the ‘Login’ link appearing at the top right corner of the homepage.
- Next you will be redirected to indigo.myfinanceservice.com page and here you will have to enter your username and password before clicking ‘Log In.’
- You will have to enter your card details on the next page including account number and expiry date. Having your card handy will help in filling in all these details accurately.
- After entering the card details, you will have to choose a Personal Identification Number (PIN) for the card. You will have to type in this number while swiping or slotting in your card and making payments. Thus, it is advisable to choose a PIN that you can remember easily.
- In the final step, you will have to enter personal credentials like your birth date, social security number, and other information before clicking the ‘Activate’ button.
Advantages of Holding Indigo Card
- Ideal for people having a bad credit profile trying to increase their credit score.
- Being an unsecured credit card, it doesn’t require any deposit money.
- The credit profile of customers is reported to three major credit bureaus.
- Mastercard offers ID Theft Protection™ service to its cardholders.
- Zero liability protection is offered by the card against any unauthorized transaction.
- Customers can choose from an array of good-looking card designs.
- An initial credit limit of $300 is offered to customers.
- The chip-based card offers an additional level of security to the Mastercard.
Loopholes of Indigo Card
- Consumers are not offered any reward points facility. As a result, they won’t be able to save anything while using Indigo Mastercard.
- The credit limit at $300 is pretty low.
- Doesn’t offer any balance transfer facility as of now.
- An over-limit fee of up to $40 is levied on consumers which are not charged by other card issuers.
Charges & Fees of Indigo Card
- The annual fee for this card will range between $0 to $99.
- A fee shall be levied on cash advances. Cardholders shall have to pay the higher of $5 or 5% of the transaction amount while making a transaction. This fee is capped at an upper ceiling of $100.
- A minimum interest of $1 will be charged if applicable.
- 1% fee in U.S. Dollars shall be levied if cardholders are engaging in foreign transactions.
- APR or Annual Percentage Rate is 24.9% and the APR for Cash Advances will be 29.9%.
- A penalty of $40 will be charged as an over-limit fee, late payment fee, and returned payment fee.
My Indigo Credit Card Login Procedure
After initial registration, you need to follow the below steps for logging in to the portal. The username and password created while registering your online account will be required for logging in other than an uninterrupted internet connection and a secure and trusted device for accessing your account. MyIndigo portal is completely secure and offers customers access to an array of information ranging from personal details to transaction history.
- Log in to the official portal.
- Click on the ‘My Account’ link appearing at the top right corner or visit the myindigocard.com directly.
- Enter your user name and password in the login form and click the Login button.
Once you have logged in successfully, you can undertake different tasks like paying online bills, checking your transaction history, previous settlements, etc. Exceeding the login time will cause your account to get frozen for 15 minutes.
Password Resetting Procedure
- Browse its official website www.myindigocard.com and click on the ‘Forgot your Username or Password?’ link.
- Enter your User name, Social Security Number, last four digits of your Account Number, and Date of Birth on the next page.
- Hit the ‘Submit’ button following which you will receive an email link for resetting your account password.
- Now click on the email link and type your new password on the next page twice before pressing the ‘Submit’ key. Doing this successfully changes your password following which you can log in again on the official portal.
User Name Resetting Procedure
- Open www.myindigocard.com and click on the ‘Forgot your Username or Password?’ link.
- You will see the ‘Forgot Username’ section after moving down the page.
- Enter your, Social Security Number, last four digits of your Account Number, Email ID, and Date of Birth in the online form.
- Now click the submit button.
- You will receive an email containing all details for recovering your User name.
Application Process for Indigo Platinum Mastercard
If you want to rebuild your credit and avail of the benefits of an Indigo Credit card, then you can check your eligibility online. The following criteria need to be fulfilled by an applicant:
- The cardholder must be at least 18 years old.
- Applicants must have a physical address, valid social security number, and a US IP address.
- They should not have any previous Indigo MasterCard account with a pending payment profile.
- Income, debt, and identity verification of applicants might be required before they are issued an Indigo MasterCard.
Pre-Qualifying Check Process of Indigo Credit Card
If you think that you are meeting all the basic eligibility requirements, then you can check whether you are pre-qualified for the Credit card. Pre-qualification doesn’t mean total approval. You need to submit the pre-qualification form for getting access to any of the three-card options. The final choice will depend on your financial situation. Your chances of pre-qualification with no annual fee increase if your financial situation is better. This can be done online easily and securely without hampering your Credit Score in any way. You just need to follow the steps listed below:
- Log in to the official website https://www.indigocard.com/ and click on the Pre-Qualify Now link.
- Doing this will redirect users to the Pre-Qualify check page where you need to fill in all details like Name, address, phone number, email ID, social security number, and date of birth.
- Finally, you will have to click the ‘Pre-Qualify Now’ link.
Applying For Indigo Credit Card Via Mail Invitation
You need to follow the below steps for checking the eligibility and offer on receiving an Indigo Credit Card invitation via email:
- Browse its official website and click on the ‘Received a Mail Offer’ link under the ‘Get Starter’ top menu.
- Here you will see an application form. You will have to enter the Zip Code and Invitation Number in the given space and click on the Get Started button.
- Next various Credit Card offers will be displayed depending on your credit profile.
If you do not receive an invitation code, then you can click the Find your code here link and fill out the online form on the next page. After filling in all details, you will have to click on the ‘Find Offer’ button and browse through the exclusive offers. You will be offered an Indigo MasterCard after the review of your Credit profile is done.
Registration Process On myIndigocard.com Portal
- Launch the official website www.myindigocard.com and click on the Register link located at the top bar of the homepage.
- A new registration form will appear on the next screen after you click the Registration link.
- Here you need to fill in details like your date of birth, account number, and social security number before clicking the Next button.
- Now you will have to complete the remaining registration process and create a User name and password for accessing the account online.
Once existing cardholders register themselves on the myIndigocard.com portal, they can avail of the following benefits:
- Receive a copy of the card agreement online via email.
- Pay their Indigo card bill through the official website.
- Manage their profile and edit all personal information like email, phone number, etc.
- Check credit balance, account summary, credit limit, due date, etc.
- Both set up and manage important email and text alerts.
- Enroll for and receive a paperless statement monthly via email.
Paying Indigo Card Bill
The best way of clearing your Indigo card bill is using the online service offered by the Genesis Indigo credit card website. This is a secure and quick method that saves the personal account details of cardholders for a monthly electronic debit. Alternatively, you can pay via phone by contacting the customer support line at 866-946-9545 and FAX: 503-268-4711. There is also an option of paying via MoneyGram by visiting the nearest MoneyGram location and making the payment in the name of Genesis FS Card Services using Receive code 4911. Both Indigo Platinum and Indigo MasterCard allow a minimum of 7 business days for postal delivery.