Think of this back as you get what you post for but in a basic way. The annual fee is charged. They’ve offered me another account with a lower annual fee, I was hoping it would be no annual fee - since I’ve done good by this company. That hadn’t happened. They offered me an increase on credit limit which I ended up having to pay a fee to get. Lame. I don’t make payments through their app; I send it through bill pay because they charge a fee to use their express payment.

They charged my account FIVE times $50. I called and the representative was nasty and rude and said he could not reverse those transactions and then said, You have a bill just pay it. Shocking, I make my payments on time and even pay twice a month. I just looked at my account and it says I owe the full balance and my payment is late BUT they took it out of my account. So now today is another argument with them.

Slow to post transactions ,payments and slow to add credit back. It works but it is a very slow posting card. Credit One works smoother for me in the rebuilding card category.

Would recommend only if you won’t used all the balance in a day!!

This card help me a lot with my credit score. it's the best.

I see a lot of bad reviews here, I have had it for almost a year with no issues at all. I was actually scared after I had been approved and read some comments here and wondered if I should cancel it. Glad I did not do that, it has helped me rebuild credit after my business took a dip caused by other companies offshoring. If you pay your bill and are responsible it is a great starter card to build or rebuild. I also saw bad reviews on the interest? You knew the rate before you accepted? This card is for risky people to prove they can be responsible with credit and is perfect for just that. Otherwise get a secured card. This company is doing people a hug favor and it's annoying how ungrateful many people can be. I have never had to contact customer service, I use my card and pay my bill, very simple.

Come on credit Karma. You are supposed to be helping people build credit and you offer this card as a recommendation? They have over 400 bad reviews. You should NOT advertise such a horrible business!!!

approved about 3 months after bankruptcy low beginning credit limit. Haven’t had it for long but so far so good. Easy application process. Not a hole lot of dealing with any one in person mostly just used online for things I’ve needed to do.

Beware Indigo service is terrible - NO payment deferment for their customers not even with a world crisis going own - They mention nothing on their site to help during this crisis either - You can't email them only wait inline to talk on phone which takes for ever!

While I'm glad that they approved me so that I could rebuild my credit with this alongside my Capital One card, their site has been horrendous lately. I've had this card for about 2 years, and have never experienced problems until now. They don't have an app, so when their site, whether accessed on desktop or mobile, does not allow you to log in with, "an unexpected error occurred while trying to process your request," it makes it very frustrating. They hound you every time you log in to sign up for paperless, but that does no good if their site is down and you can't access your account to see your current balance, let alone your statements or to make a payment. On the plus side, when the site does work, it's very straightforward. Things do take a while to clear, but the balance itself reflects immediately, which is really nice; you just can't always see what charges lead to that current balance right away until they've fully processed. It does help build credit, but the annual fee is a pain. If you're looking for a long term solution, this probably isn't it, but if you just need a boost in your score, try it out & make sure to keep your paper billing. Auto-pay is easy to set up AND cancel unlike other cards, so if you get into a pinch, you can cancel and do a manual payment of what and when you can afford to.