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This form asks for basic information including your name, address, email address, and Social Security number. You can start with a brief prequalifying form on the issuer’s website. Indigo makes applying for its card fast and easy - and you can start the process without risking any harm to your credit score. This further strengthens the case that this card is best served as a temporary tool for boosting your credit and not as a long-term financing solution.

When they called the issuer, they were told that the bank does not approve credit limit increases for any cardholder. Some customers who remained loyal for as long as three years report that they never received a credit line increase. Many online reviews also show that you may have some trouble increasing your Indigo credit limit down the road. If you’re looking for a higher spending limit on a new credit card, you may want to consider one of the alternative options below or look at a secured credit card that lets you choose your credit limit based on the amount of your refundable security deposit. In fact, some cards start with credit limits of $200 - minus the annual fee. While that limit may seem small if you’re looking for more spending power, it’s on par with most credit cards for bad credit. The issuer will not take your credit score into consideration for a higher limit, as everyone starts at the same amount. The Indigo® card credit limit is $300 for all new cardholders.

Instead, it’s a great solution for rebuilding your credit before moving on to a more affordable card. This isn’t meant to be a card you hold for many years. Upon activation, the issuer will deduct your annual fee from your Indigo credit limit, leaving you with around one-third of your available credit.Īnd although the fixed interest rate is higher than the average credit card interest rate, it is on par with other cards for bad credit ratings. This is because all cardholders start out with a $300 credit limit. If you only qualify for this card with the higher annual fee, it may be quite expensive. If preapproved, you can submit a formal credit card application and receive a final credit decision instantly.ĭepending on your credit score, you may qualify to receive this card at no cost, as the variable annual fee uses your credit rating to set a charge of between $0 and $99. You can prequalify for this card without affecting your credit score by answering a few questions on the issuer’s website.