How to Pay Your Indigo Credit Card Bill Quickly and Easily

Having an Indigo credit card can be a great way to build or rebuild your credit However, it’s important to always pay your bill on time each month. Missing payments can negatively impact your credit score and lead to late fees or a higher interest rate. Paying your Indigo credit card bill is easy – you just need to know the available options

Overview of Indigo Credit Cards

Indigo offers credit cards designed for people with poor or limited credit histories. Their cards have higher interest rates and lower credit limits than standard cards, but allow people to establish positive payment patterns. Indigo’s cards include:

• Indigo® Platinum Mastercard®
• Indigo® Mastercard®
• Indigo® Secured Mastercard®

You can check your specific card’s name by looking at your statement or plastic card. All Indigo cards work similarly when it comes to making payments.

Why Paying on Time Matters

Paying at least the minimum payment by the due date keeps your account in good standing. On-time payments help build your credit history while late payments can damage your credit score. Paying more than the minimum when possible helps reduce interest charges.

When Your Bill is Due

Your payment due date is listed on your monthly statement and is usually around 3 weeks after the end of a billing cycle. Indigo gives you at least 21 days between the statement closing date and payment due date.

Ways to Pay Your Indigo Credit Card Bill

Indigo offers several convenient payment options:

Pay Online

• Fast and easy
• Log into your account at indigo.myfinanceservice.com
• Select “Make Payment” and follow prompts
• Pay with bank account, debit card, or credit card

Pay by Phone

• Call 1-866-255-9850
• Enter card number and payment amount
• Pay with bank account, debit card, or credit card

Pay by Mail

• Send check or money order to:
  Indigo Credit
  PO Box 4499
  Beaverton, OR 97076
• Include payment stub from statement
• Allow 5-7 days for delivery

Pay at Store Locations

• Make cash or debit card payments at CVS, Walgreens, Kroger, and other retailers
• Bring payment coupon from statement

Set Up Auto-Pay

• Pay automatically each month from bank account
• Avoid late fees and free up time
• Manage auto-pay settings online or via phone

Payment Amount Tips

• Pay at least the minimum payment due each month
• Pay the full balance to avoid interest if you can
• Pay any overlimit amount immediately
• Pay more than minimum when possible to pay down balances faster

Confirm Your Payment

• Log into your account to verify when your payment is applied
• Check your balance to ensure it reflects the payment
• Keep payment confirmations for your records

Avoid Late Fees and Penalties

• Pay on time each month to avoid a $25 late fee
• Very late payments can increase your APR to prime + 25.74%
• Seriously delinquent accounts get sent to collections
• Late payments remain on your credit reports for 7 years

Payment Processing Time

• Online payments – Credited to your account immediately
• Phone payments – Credited to your account immediately
• Mailed payments – Allow 5-7 days for processing
• In-store payments – Usually credited within 1-2 business days

What to Do if You Can’t Pay on Time

If you can’t make a payment by the due date, take action quickly:

• Call Indigo at 1-866-255-9850 to discuss options
• A representative can explain hardship programs or payment plans
• Partial or late payments are better than no payment
• Bring the account current as soon as possible

Other Bill Management Tips

• Sign up for paperless statements to save time and trees
• Use Indigo’s mobile app to monitor your account 24/7
• Update your contact information if it changes
• Contact support if you see any suspicious transactions

Signs Your Indigo Account is in Trouble

Take these seriously and address them immediately:

• Making late, partial, or skipped payments
• Seeing overlimit or past due notices
• Noticing a high balance that isn’t going down
• Getting calls from Indigo about missed payments
• Seeing your interest rate increased for payments over 60 days late

Summing Up How to Pay Your Indigo Card Bill

1. Review your monthly statement for the payment due date and amount owed.

2. Choose a payment method – online, phone, mail, in stores, or auto-pay.

3. Pay at least the minimum required by the due date to avoid late fees.

4. Pay online or by phone for fastest processing. Allow time for mailed payments.

5. Log into your account to confirm when your payment is applied.

6. Contact Indigo immediately if you cannot pay on time to discuss options.

7. Pay on time and in full when possible to build positive credit history.

Paying your Indigo credit card bill doesn’t have to be difficult if you use one of their convenient payment methods. Set payment reminders to avoid late fees, and pay more than the minimum when you can to control interest charges. Responsible account management helps improve your credit score over time.