Frequently Asked Questions
General
Who issues the Indigo Mastercard?
The Indigo Mastercard is issued by Celtic Bank, based in Salt Lake City, UT.
Who can apply for the Indigo Mastercard?
Anyone who is interested in establishing or rebuilding their credit can apply for the Indigo Mastercard. To be approved, you must:
- Must be at least 18 years old, have a valid social security number, physical address, and a US IP address.
- Not have had an Indigo Mastercard Account that charged off due to delinquency.
- Meet additional credit qualification criteria, including a review of your income and your debt, and identity verification requirements.
Why should I apply for the Indigo Mastercard?
The Indigo Mastercard is an unsecured credit card. Your account history is reported to all three major credit bureaus and gives you the chance to establish a consistent payment record while enjoying the convenience of a credit card.
What if I have limited credit/bad credit/no credit?
The Indigo Mastercard is ideal for less than perfect credit! Apply Now
How can this card help me build a good payment record ?
By making regular on-time monthly payments, you can demonstrate the kind of financial responsibility that many lenders look for when evaluating your creditworthiness. Your payment history with the Indigo Mastercard is reported to all three major credit bureaus and making on-time payments can help you build a good payment record.
Why is a good payment record important ?
Establishing a good payment record may help you qualify for better rates on mortgages, car loans, and other forms of credit.
Can I apply over the phone?
There is not an apply-by-phone option at this time. Please complete the online application form to get started. Customer service assistance is available at 1-800-353-5920 (from 6:00am to 6:00pm, Pacific Time, M-F).
Will I definitely be approved?
Although the credit criteria are designed to help many people who are credit challenged, there is no guarantee of your approval. Your application is reviewed closely to determine whether you meet the qualifications for the Indigo Mastercard.
When will I receive my card?
In most cases, your new card will arrive within 14 business days of being approved.
What if I don't receive my card within 14 business days?
If you do not receive your card within 21 days after being approved, please contact the Lost/Stolen Department immediately at 1-800-314-6340.
Can I open more than one account
You may only open one Indigo Mastercard account at this time.
Can I transfer a balance to my new Indigo Mastercard?
At this time we do not offer a balance transfer option.
Using Your Indigo Mastercard
What are the Mastercard Benefits?
The Mastercard Benefits are an additional benefit of the Indigo Mastercard included at no additional charge. These benefits include:
- Mastercard ID Theft Protection™ - Provides thorough identity monitoring covering your social security number, email addresses, debit cards, credit cards, bank accounts, usernames and passwords for web logins, and much more.
- Zero Liability protection - When you use your Mastercard, have peace of mind knowing that you are not held responsible for unauthorized transactions.
You can read more in the Mastercard Guide to Benefits which details all of the program terms and conditions.
Why was my credit card declined when I tried to use it for a foreign transaction?
For security reasons, foreign transactions may be declined if you do not notify us before using your credit card outside of the U.S. Please call us at 1-800-353-5920 to set a travel alert before you attempt to use your credit card internationally.
Will my Indigo Mastercard offer fraud protection?
If your card is lost or stolen, please call 1-800-304-3096 right away. If your card is lost or stolen and used without your permission, you may not be responsible for those charges.
Can I use my Indigo Mastercard to get a cash advance?
Yes, subject to credit approval, you can use your Indigo Mastercard for cash advances at many financial institutions. Please read your Cardholder Agreement (included with your new card upon approval) for more information on cash advances. Once approved, you may call and request a personal identification number (PIN) to be sent to you in the mail; your PIN allows you to securely access cash at many ATMs.
Can I manage my new Indigo Mastercard account online?
Absolutely! Once you are approved and receive your new credit card, you can create a login and password on our secure site, www.myindigocard.com. Your online account allows you to manage your account and easily pay your bill.
Indigo Mastercard Chip Card
What is a chip card?
A chip card is a credit card embedded with a microchip that when used at chip-enabled terminals will provide enhanced security and additional protection from counterfeit fraud.
How does the chip provide enhanced security?
The microchip creates a unique single-use code to validate the transaction when used at chip enabled registers – helping to protect your card from unauthorized use.
Is the chip card easy to use?
Yes! At chip enabled terminals, simply insert the chip end of your card into the slot, follow the instructions on the screen and remove your card when the transaction is complete!
What if there is no chip enabled terminal at the retailer?
Simply swipe your card’s magnetic stripe in the slot provided.
Contacting Us
How can I contact Indigo Customer Service?
Our correspondence address:
Concora Credit | PO Box 4477 Beaverton, OR | 97076-4477
Our toll-free customer service number: 1-800-353-5920
Where should I send my Indigo Mastercard payment?
Payment address: Concora Credit | PO Box 96541 Charlotte, NC | 28296-0541
What is the FAX number for the Indigo Mastercard?
You may send documents via FAX to: 1-503-268-4711