Indigo® Platinum Mastercard® Reviews

Indigo® Platinum Mastercard® Reviews
Approval Odds

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2.0 out of 5 stars
194 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

2 out of 5 stars

2 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $75 - $99
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 24.9%

Most Helpful Positive Review

Apr 20, 2019
Good for early credit building
Ferrari747 Cardholder

You shouldn’t have any misconceptions about a building card it will have high interest and middle of the road foreign customer service (typically) I had a 550 Equifax and a Transunion score of 535 when I received this card...It allowed me to build my credit to a 650 and receive a Chase with a $5000 limit a year later. Advise on time pay a little over if you have it and please always keep your purchases below 30% of your limit before the statement is to be generated. Don’t use it between due date and statement release date at all!! It will make your balance high and max your card on lower end credit limits “like mine $300”. I don’t need a credit increase I’ve moved on with my sites on a American Express. This card is a kick starter that’s all. Godspeed credit seekers. Do it well and six months your should be in a better place.

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Most Helpful Negative Review

May 01, 2019
Don't even bother
steppke6 Cardholder

This was one of my first credit cards out of bankruptcy. While obviously I was greatful they gave me a chance, they give you a firm $300 credit line. If your smart about your credit, you should know you should never go above utilizing 30% of your limit. Well 30% of $300, is $90. You can't do much with that. It's not even worth having, and it did nothing for my credit score. Half the time they did not even report my payments. And, they do not, under any circumstances, give credit line increases. I ended up cancelling my card after 3 years of being with them. There are other cards out there that will give you a chance with much more of a heallthier credit line. (First Premier, Matrix Card, Surge, First Savings Credit Card, Build Card, Fortiva and even Ollo). 

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These reviews were written by current and former cardholders in the last year.

Nov 14, 2019
Ok until you get something better
BLWelch94 Cardholder

Post bankruptcy the card was fine, but the low credit limit with no ability of increase is useless in terms of helping to build credit. $99 annual fee, high interest, and they don't report payments as often as they should. I see myself cancelling the card after paying it off.

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Nov 12, 2019
cardag01 Cardholder

High annual fee and very low credit limit $300 which they will NEVER increase.  Very bad/rude customer service center!!!

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Nov 12, 2019
Vanessasloan Cardholder

Stay thehell away! If you mi say get this card, talk to a credit tutor and repair expert before you jump into it. @royalblade1 on telegram is a good one. 

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Nov 14, 2019

Well, everyone seems to be talking about this “Royalblade”. Must be really good.

Nov 14, 2019

Any other way to contact Mr. Royal?

Nov 14, 2019

@fixmefixme you can send an emai. Royalblade @ ProtonMail . Com

Nov 08, 2019
Rexx4411 Cardholder

Never will you get a credit increase with this POS credit card but they sure will charge you a $99 annual fee. This card is BS I suggest you stay away. 

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Nov 07, 2019
Omg... pls dont get this card
Kylechat Cardholder

I've had this card for over a year now. They do not do credit increases. Your stuck at 300 credit limit, and you pay 99 dollars a year to own this card. Customer service is horrible and has often been rude to me. When I canceled the card, it took me 3 months of paying interest on interest to clear my balance. I paid it off and canceled then the following month I got a new bill. It was the interest from the previous month, and again the following month. ......I beg you. Read the reviews....
There is a reason they only have 2 stars!!!

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Nov 04, 2019
Don't get this card unless...
mayauda Cardholder

Don't get this card unless you're building credit.  The credit limit is at most $300.  They charge a $99 annual fee and don't offer a credit limit increase.  It's not worth the headache or the cost associated with it.

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Oct 30, 2019
Easy to get
Cjasonhall Cardholder

It's a starter card for people with no credit or those rebuilding their credit. They won't raise your credit limit above $300 and there's a $99 annual fee. I kept the card for a year. In that year I never had a problem. The website is easy to make payments. Though they take a while to post them. I have better cards now so didn't need this one any longer. I called to close it and it was easy and painless. I was on the phone less than ten minutes, and customer service was helpful and friendly. It's good if you're just starting out, but if you can get a better card I wouldn't waste your time, or your $99.

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Oct 30, 2019
Only apply if you have no other option.
Gpod2019 Cardholder

Only apply if you have horrible credit to the point that no other company will approve you. Ive had this card for 3 years, and there has never been a credit increase.  The limit is $300 and there is a $99 annual fee, which makes no sense because thats about 35% of the credit available.  Theyre wouldnt waive the fee they wanted to offer $25 off. I canceled and I am getting a credit card with no annual fee. 

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Oct 30, 2019
Its a simple credit builder
rndeleon1988 Cardholder

The card website is VERY crude. There is also no app to use for quick viewing/paying

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Oct 29, 2019
conn1166 Cardholder

High rates, poor customer service, very low credit limit, hard to get higher limits.

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Oct 28, 2019
Everything takes 14 days
AngieW13 Cardholder

I applied and it took quite some time to get the card and owed the month before by the time I got the card. It took over a week even though they claimed it was activated that night. When you make a payment, it takes 14 days after it posts. So, you make the payment it take two to three days to post, then 14 days for it to be taken off the card. This is a card, I'll probably never payoff. When I call in, I cannot understand anyone. The last phone call was the person speaking so fast with a bad accent to the point I could not understand much.

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Nov 13, 2019

This crap doesn't sound good

Oct 28, 2019
Nice starter card
StLUser Cardholder

This card worked fine for me. I kept my balance low and paid on time. Initial credit limit was 300$ and over time did increase.(though not much). I recently closed due to new cc offers have much higher credit limit sand no monthly/annual fees. They offered to reduce fees and keep my business but I declined. This is a great starter card.

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Nov 09, 2019

Interesting you received a cli when it says in the fine print, under their terms, no credit increases given!

Oct 27, 2019
Good Credit Builder!
connie0123 Cardholder

I hesitated to apply for this card because of the reviews, however, I did and I had no issues with this card whatsoever. Yes, the interest and annual fee is high, but remember this card is for the sole purpose of rebuilding credit. My credit score was around 520 when I got the card, and it is now 665. I recently closed the card after 11 months to avoid paying the annual fee again and had no issues with closing the card. Keep your balance low and make your payments on time every month. And yes, it does take awhile for the payments to post, but they will post. This card also teaches you patience. I've only had to contact customer service once which was to close the card. Again no issues. They were very nice and did what I asked and followed up with a letter. Additionally, I had no issues with using their online services. From opening the card to making payments, all was done online. So this was a great starter card for me and I now have other cards with higher credit limits and no annual fees. 

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Oct 25, 2019
Nlang69 Cardholder

This is a shady company....don't waste your time

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Oct 21, 2019
Do not get!
Magsmydog Cardholder

Ck doesn't like you posting negative detailed reports so they keep logging me off...this card lies and they hold your funds hostage for over half a month....I would never do it again! Lies lies lies lies lies......if there were less than 5 stars I would...

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Oct 17, 2019
Serves its purpose
LaMorena94 Cardholder

I honestly don't understand the terrible reviews & I'm quite glad that I haven't experienced these horror stories that I'm ready. Yes they charge you $75 before you can even use your card, yes the credit limit is only $300 & yes the interest is high (which won't matter as long as you pay your balance in full). If I make a payment on Monday, the funds are taking out of my bank account & available to me within 2-3 business days. I've never had to wait 14 days like others have stated. I've never had any issues with this card. I would give it 4 stars, but the fees are a little outrageous.

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Oct 17, 2019
Does its job.
LaMorena94 Cardholder

I honestly don't understand the bad reviews. Yes they charge you $75 before you can even use the card, yes the card limit is only $300, & yes interest is high, but if you pay the balance off in full, it won't matter. I haven't had any problems with the card so far. If I make a payment on Monday before 5pm PST, the funds are taking from my account within 2 business days & become available as well. I would've gave the card 4 stars, but I strongly dislike the unnecessary fees.

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Oct 09, 2019
This card is TRASH
psharp75 Cardholder


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Oct 12, 2019

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Oct 15, 2019

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Oct 07, 2019
Celeste143 Cardholder

My fiancé got an offer in the mail. We tore it up, and a month or so later it shows up on his credit report as an active account. He doesn’t have access to this card, never activated it, never received a card in the mail. Called them 3 different times. First time a guy said they activated it to help with his credit and it will close in two months. Two months later we check his credit score and it’s saying that the card is maxed out and dropped his score 61 points. Called again and a woman stated they have removed it. Called a third time and a woman filed a identity theft claim. It’s been hell trying to get it off his credit report. Idk what company can just activate credit cards without any authorization. 

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Oct 10, 2019

I’ve read about situations like this before, several times, I’m convinced it’s inside jobs with this company! Really shady stuff, so glad I’ve never had this card!

Oct 21, 2019

Some cards come in the mail pre activated, so that can happen. When you apply for a credit card that is the risk you take. I’ve learned this the hard way. It’s always best to close credit cards your self so they report closes by consumer rather then closed by credit grantor.

Oct 21, 2019

We never applied for any credit cards. They just show up in the mail and we tare them up. We asked twice for them to close the account and it’s still active.

Oct 05, 2019
Danny90913 Cardholder

They charge you way before you even get the card by the time you actually activate you're already late on a payment smh...

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Oct 04, 2019
Do not get this card!!!!!!
Puckfan19 Cardholder

It takes up to 14 days for your funds to be available after you make a payment. Worst customer service ever!!! Plus the fees and the interest rate. I was desperate. Don't make the same mistake I made. Hold out for Capital One, they're the best!

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Oct 02, 2019
Not worth the time to apply.
Joannicea Cardholder

Can't process payments, no online or app, horrendous customer service!!!!

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Sep 27, 2019
14 day turnaround available credit.
Faithinunseen Cardholder

If you are expecting to pay your bill then have a decent turn around time for available credit then this card and company is NOT for you. Paid off 2 cards and each time 2 week turn around. That is ridiculous. If you are smart, run from this company. They are more interested in holding your money even after your bank released it to them, than to make your funds available. Horrible business!!!!

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Sep 27, 2019
Good for people Trying to build their c
Stanley3000 Cardholder

No matter how much you Pay on time you will not Get a credit line increase this is bad 30% of 300 Dollars is only $90 I have had this card for 2 years a plan on getting rid of it soon

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Sep 25, 2019
Good at first nightmare to close
Screwy4109 Cardholder

I had the card for a little more then a year never missed a payment and paid it off and closed the account with every paid in full...I check my credit report and low and behold Indigo reported as closed and charged off knocked 30 points from my fico score and been disputing it with everyone but Experian still reports it as late payment and charges off while trans union and equaifax already cleared it up so if you get the card 300 limit is all your ever get and 99 annual fee from your credit line and over limit fees if you happen to have 200 balance so be worn it is an easy card to get but a pain the rest of the time

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Indigo® Platinum Mastercard® Reviews

Indigo® Platinum Mastercard®