For the most part the bad reviews that I'm reading are from people who CLEARLY did not read any of the account disclosures it gives you to read before you apply and/or don't understand how credit cards work ex: if you have a $300 credit limit you can't pay them an extra $700 and make it $1,000 credit limit. Credit cards don't work that way, no credit card works that way so if that's what you're complaining about it's not really the company's fault. Yes the interest rate is crazy high, yes there is an annual fee, yes it's a low credit limit that can't be raised, yes if you're one second late for your payment you're going to get late fee. Get this card, use it responsibly, don't wait until the last minute to make payments. Oh and if you apply for the card you need to be aware that if you don't get a bill in the mail and you don't set up your online access or you can't set up your online access you are still responsible for the money you owe including the annual fee!!! This is not a scam this is how low credit limit credit rebuilding cards work. The only real complaint I have is the sometimes long hold times if you call customer service.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $75 - $99
- Purchase Intro APR Not Applicable
- Purchase Regular APR 23.90%* Variable
If you’re looking to build your credit, the Indigo® Platinum MasterCard® could be a good option.
What to Like
The Indigo® Platinum MasterCard® is geared toward consumers who are looking to build their credit. As a fun bonus, the card also comes with a few different card designs that you can choose between.
Look Out For
This card will come with an annual fee. There’s also a relatively high APR and a Penalty APR that the issuer can apply if you miss a payment.
Most Helpful Positive Review
Most Helpful Negative Review
Jeez all of you complaining saying it's a scam...Get over yourselves already...This is a card to rebuild credit that's it's sole purpose...Get it pay it on time then apply for a better card..When you have bad credit this is what you are stuck with...I have 3 cards Capital One ,Credit One & Merrick Bank..Not once have I had any issues with payments or customer service...All 3 of these cards have helped me tremendously..Try Merrick Bank they gave me a card with 500.00 limit to start paid on time for 7 months & they raised it to 1000.00..
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See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.