The Indigo Credit Card can be a good first step back towards financial stability and security for people looking to rebuild their credit history. It can also be a great choice if you have little or no credit history and want to begin establishing a credit score. Here we’re exploring how to apply for the Indigo Credit Card and the different ways you may apply, ensuring you have all the information you need to apply for the card if you’re a prospective cardholder.
Applying for the Indigo Card
If you’re wanting to become an Indigo Platinum cardholder, we have created this guide to help you apply for the card no matter if you already have an invitation code or need to go through the pre-approval process. Applying for the Indigo card is extremely simple but it does require an invitation code.
Indigo Credit Card Invite Codes
Invitation codes are typically sent via email or postal mail and include unique offers sent by Indigo to potential applicants, often indicating pre-approval for the credit card. These codes simplify the application process and allow you to enter the code and begin the application process, however possessing an invite code does not mean you are automatically guaranteed approval. Invitation codes help to streamline the application process and some customers benefit from additional bonus offers and individualized terms and conditions connected to their invite code, including a lower or no annual fee card option. This level of personalization and prequalification helps the Indigo Card stand out and makes it a popular choice for customers in the poorer credit history bracket.
If You Don’t Have An Invitation Code
If you haven’t received a code by email or in the mail you can get one by simply visiting the prequalification page at https://www.indigocard.com/search. Here you will be required to entered your personal details including your last name, last 4 digits of your social and your zip code. Then you will either be rejected or accepted for pre-approval. If accepted you will be provided with an invitation code and can move forward with the instructions below for completing the full application.
If You Already Have An Invitation Code
Once you have an invitation code to apply for the card just visit https://www.indigocard.com/invite. Here you will need to enter your invite code and your zip code to advance to the full application.
Just fill out the onscreen fields to complete your application. In finalizing your application you will need to provide further personal and financial information and submit your application. Once you submit your application you undergo a hard credit inquiry which will appear on your credit report.
Approval for the Indigo Credit Card
Once you have submitted your application and you are approved (If you are not approved, you will be provided with an explanation as to why this is not the right option for you at this time.), your Indigo Credit Card should arrive within 14 business days. You will have a set credit limit and like with all credit cards you should act responsibly, and recognize this as a chance to rebuild and enhance your existing credit history.
Your Indigo account history is reported to all three major credit bureaus, giving you the chance to establish a consistent payment record while enjoying the convenience of a credit card. In order to responsibly monitor all account activity, make payments on-time and thus establish a better credit score we highly recommend that all cardholders register for online access. The online access allows for comprehensive account management including setting up autopay, reviewing purchase history, and accessing priority Indigo cardholder support.
Conclusion
Deciding to apply for the Indigo Credit Card is a great step forwards towards establishing a better credit history and the application itself is extremely straightforward. Within a few short minutes you should know whether you’re approved and if approved your card should arrive promptly afterwards. Once you receive your card in the mail be sure to activate it so you can begin using it right away.