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Indigo® Platinum Mastercard® Credit Card
Consumer Reviews: 25
Regular APR
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3.5
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Consumer Reviews, Credit Score and Limits
Indigo Mastercard®

Consumer Rating:
Average Score: 611
Lowest Score: 515
Highest Score: 687
* The following information was provided by consumers who filled out the review forms. Issuers do not endorse nor can anyone guarantee its accuracy.
CREDIT SCORE

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25 CONSUMER REVIEWS
OVERALL RATING  1
Posted 09/15/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Trying to improve my credit score and this is always suggested by credit sesame for a $300 limit. I have a 586 score and in very good payment history with my other 2 credit cards, car loan and 2 department store cards. I kept having problems with them processing my payments. Therefore i was put on block REALLY and charged fees and reported late. Customer service is poor and this was a waste of time and something i will have to take the hit for, told to close my acct. Asap! Never again.
CREDIT SCORE : 586
CREDIT LIMIT : $300
AGE : 45-54
OVERALL RATING  5
Posted 01/05/2017
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
I have been rebuilding my credit for the last year and a half. I already have a couple of secured cards and also a Fingerhut account. I applied and was actually denied by Credit One so I gave this card a shot and got approved. My annual fee is $35. About 8 months after I got the card, my scores are up to 670. I think this is a combination of me getting another trade line and sparingly using my available credit.
CREDIT SCORE : 620
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  5
Posted 09/14/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
I actually got rejected by First Premier! So thankful I got approved for this one. And it appears that the fees are lower than FP. So I guess this is a blessing in disguise. CL was $300.
CREDIT SCORE : 584
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 09/13/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
Am giving this a 3 star because they approved me where others have not. But there is an annual fee but at least no monthly fee that others have. I plan to keep this for maybe 18 months and hopefully by then, I could get a no annual fee card.
CREDIT SCORE : 638
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 09/10/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 1/5
score was 515
CL - $300
CREDIT SCORE : 515
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 09/05/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
There appears to be lots of complaints about this card especially about the annual fees and how folks were not pre-approved for the unsecured version. As long as you read the terms and conditions, there should be no issues. There are a few versions of this card. The best being the one with no annual fee. If also have to pre-qualify. As long as you pre-qualify (soft pull), then you simply apply for the real thing.

Remember, this card is for rebuilding. Use only about 20% of your limit and pay on time and in full. Your scores will increase if you follow this practice.
CREDIT SCORE : 660
CREDIT LIMIT : $500
AGE : 25-34
OVERALL RATING  3
Posted 09/01/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
Actually got an offer in the mail. So I did some research and many folks on credit karma also got similar offers saying they pre-qualified but when they went online to fill out the online forms, they got secured card offers instead.

So I decided to apply online and said to myself that if they sent me to the secured card page, I'll just skip it because I already have the Cap One. What I was looking for was for an unsecured card. Thankfully, I got taken to the unsecured page and got approved.
CREDIT SCORE : 548
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 08/30/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 3/5
I did quite a bit of research on credit cards since I was recovering from BK and need to rebuild. One consistent theme about this card is that most sites say they are BK friendly. So I decided to give it a shot. Went through the pre-qual and got approved. For that, I give them a 4-star.
Approved 1 year after bankruptcy
CREDIT SCORE : 580
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 08/27/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
Did the pre-qual thing and got approved for the unsecured version. Couple of other friends also got approved. Score was only 600 when I applied.
CREDIT SCORE : 600
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  2
Posted 08/27/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 2/5
I already got the Cap One Platinum before I got this card. I simply wanted to increase my number of lines and also my absolute CL in my report. It really is not the best card but when you are a rebuilder, you just accept what you get approved for.
CREDIT SCORE : 640
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 08/25/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 2/5
Got the no annual fee version with a $600 CL. Have to say that was a little surprise.
CREDIT SCORE : 684
CREDIT LIMIT : $600
AGE : 25-34
OVERALL RATING  3
Posted 08/23/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 1/5
Have mixed feelings about this card. There is only an annual fee compared to others like First Premier. But after months of having this card, I still have not gotten any credit increase. With my Credit One, I got an increase from $300 to $600 after 4 months. Also got increases on my Fingerhut account. So I am a little disappointed in this aspect.
CREDIT SCORE : 546
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 08/13/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Had to close business. Credit got dinged so I am in the rebuilding phase. Chose this card because according to my research, the fees are reasonable compared to others. Score was in the low 500s when I got approved.

Actually, I've read a few forums where folks did not even get pre-approved and got routed to a page with secured card offers. Thought it might happen to me but luckily I got approved. Limit was merely $300 but I guess I have to start somewhere.
CREDIT SCORE : 538
CREDIT LIMIT : $300
AGE : 45-54
OVERALL RATING  4
Posted 08/07/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 2/5
Got this card 9 months after BK. Never thought it would happen so soon. Glad I now have an "unsecured" card. Hope to graduate to a no annual fee card within the next 2 years.
Approved 9 Months after bankruptcy
CREDIT SCORE : 587
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 07/27/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Before I got this card, I've read that many folks got mails saying they are pre-approved but when they actually get to the site, they are not approved and taken to a page with secured card offers instead. I guess fortunately for me, I got approved, but with a low limit of $300.
CREDIT SCORE : 614
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 07/15/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 1/5
Score was 637 when I got this card just recently. Reason of me choosing this is the "relatively low annual fee" compared to others. That is why I am giving this a 3 star. Have had no experience with customer service yet. Gave a 1 star for benefits cos there are no real rewards or anything with this card.
CREDIT SCORE : 637
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 07/12/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 1/5
yup - credit was trashed and trying to rebuild. Not the best card out there but certainly not the worst. Read a lot about cards like Surge, First Premier, Verve and finally settled on this.
CREDIT SCORE : 645
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 07/11/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 2/5
Have had a couple of secured cards for about 3 years and finally decided to get an unsecured card. Was approved for $300 and an annual fee. The reason I chose this card was because others seem to have application fees and a monthly fee on top of an annual fee.

With my secured cards, I always used only 20$ of my credit limits and paid them off every month. That probably explains why I got approved and many others with similar scores as I have not.
CREDIT SCORE : 687
CREDIT LIMIT : $300
AGE : 45-54
OVERALL RATING  4
Posted 07/01/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Just got discharged from BK7 a few weeks ago and needed to rebuild my credit. Got through the pre-approval and was finally approved for this card.
CREDIT SCORE : 590
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  3
Posted 06/26/2016
CUSTOMER SERVICE : 2/5
BENEFITS : 1/5
Credit score went into a free fall after my job loss. This was one of the few cards that took a chance on me so I am grateful. What I like is that it is just one simple annual fee. I make it a point to send my payment way in advance.
CREDIT SCORE : 610
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  5
Posted 06/25/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 1/5
Got this after 1.5 years from BK. Hate the annual fees but from what I gather, this is better than others out there. Let's see how long before my score edges up to 700.
Approved 1.5 years after bankruptcy
CREDIT SCORE : 610
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 06/14/2016
CUSTOMER SERVICE : 1/5
BENEFITS : 3/5
Got approved for $75 annual fee version with $300 line. Decided to get this card because it appears better than other cards like Total, Surge and FP. Have not had a chance to speak to CSR so just gave it a 4 star rating for not having outrageous fees.
CREDIT SCORE : 644
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  3
Posted 06/07/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
Applied and got approved for $300 limit and a $59 annual fee. The fees appeared in the first statement and the minimum was $40! But I've read the terms and conditions and everything was as expected - no surprises. So far, I have had no experiences with customer service.
CREDIT SCORE : 625
CREDIT LIMIT : $300
AGE : 35-44
OVERALL RATING  4
Posted 06/05/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 3/5
My score was at about 600. And I got an invitation by mail. I gave it a shot and was surprised to get approved. Was happy that there was no upfront deposit required.
CREDIT SCORE : 600
CREDIT LIMIT : $300
AGE : 25-34
OVERALL RATING  4
Posted 05/30/2016
CUSTOMER SERVICE : 3/5
BENEFITS : 2/5
There are actually a few versions of this card. There apparently is a $0 annual fee version (saw it on the app page). I got the one with $59 annual fee. Not too happy with the CL. But I guess this card is better than others like Surge and First Premier. I hope to be able to get a no annual fee card in the next 18 months.
CREDIT SCORE : 675
CREDIT LIMIT : $500
AGE : 25-34
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