I applied for the indigo card and was approved for the $300 line of credit on August 2nd. It took about three weeks for the card to show up. I believe my score was in the lower 600’s (between 600-620) at the time. I only called customer service once in regards to my due date being that the card arrived after the due date had already passed. The lady was nice. The due date changed to the following month. Overall I will say that I personally have not had any bad experiences with my account. Thank goodness! No fraud, no declines, no over the limit fees, no cash advances, no late fees and no interest fees because I pay my balance off in full every month before the reporting date! If you don’t want to pay interest then pay your balance in full to keep more of your own money in your account. They offer an over the limit service for about $35-39 I believe, however I wouldn’t recommend it unless it’s an emergency. I never used it. They also offer cash advance free of charge, to new customers within the first year but the catch is you have to wait three months before you can take advantage of this feature. I’m giving them four stars because I hate the annual fee however it’s my bad mistakes and ****ty credit that put me there! Oh and also I do recommend that you pay your balance on a weekday preferably Monday through Thursday to help eliminate the days of processing. I’ve noticed if I pay on a weekday that’s not an holiday, my payments typically process overnight and are available the next day but when I pay on a Friday or weekend it takes about a week.
•Over The Limit Feature
•Multiple Payments Per Month