Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay
Consumer Reviews, Fees, Credit Score, Application & Best Alternatives
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If you think that your prior bankruptcy renders you unable to get back on track and build a good credit score, get ready for a surprise. With Indigo Unsecured Mastercard, prior bankruptcy is okay. This card is custom-tailored to help people in a difficult financial situation get back on track and appear trustworthy yet again.
The card is issued by Celtic Bank, which is based out of Salt Lake City, Utah, and serviced by Genesis FS Card Services. These two financial institutions have an impeccable reputation, and so far, they've helped countless clients get control over the financial aspects of their lives. The card can be acquired via an online application. It all starts with a pre-qualification process. The application form is very simple, and you can expect to receive a reply from the issuer very quickly.
The issuer is known to approve credit cards even to people with bad credit score, no credit score, and prior bankruptcy in credit history. During the approval process, the issuer will make a soft inquiry in your credit history, which won't reflect on your credit score. As long as you make your payments, you can use this card to rebuild your credit. The best thing about it is that the issuer reports your payment history to all three major consumer credit bureaus in the U.S.
- Pre-qualifying today will not affect your credit score
- Less than perfect credit histories can qualify, even with prior bankruptcy!
- Mobile friendly online access from anywhere
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
- Read the Review of Indigo Mastercard credit cards
Indigo Unsecured Mastercard is a great option for people with prior bankruptcy in their credit history to start building credit again.
Who Is This Card For?
Do you think that getting an unsecured Mastercard is borderline impossible when you have a prior bankruptcy on your file? Indigo Unsecured Mastercard makes it possible even for people with bankruptcy in their credit history to get a credit card and use it to build a credit score from scratch.
The card is serviced by Genesis FS Card Services and issued by Celtic Bank. The issuer sends regular reports of your purchasing history to three major bureaus in the U.S. You can put this card to smart use and leverage the good reporting practices to get your credit score on its feet again.
Since it is an unsecured Mastercard, you won't have to put any sort of collateral. When you don't have to worry about making a deposit, you can plan your monthly budgets with greater ease.
The Key Features
- Available to people with a prior bankruptcy
- Online pre-qualification form
- Fast response times
- Reports to three major bureaus
- Variety of Mastercard benefits
Credit Card Benefits
The major advantage of using Indigo Unsecured Mastercard is that you won't have to make a deposit. Using this card will help you achieve your financial freedom and build your credit score. Unsecured credit cards rate better with credit bureaus than secured credit cards (explained). It will help you appear responsible and trustworthy.
The fact that you can get an unsecured Mastercard even with a bankruptcy on your file is fantastic. There are only a handful of issuers willing to give people with financial problems another chance. With Indigo, you will have no problems getting a credit card if you have sunk your financial ship in the past.
On top of that, the issuer sends reports to all three major credit bureaus in the U.S. This is very important as you will be able to gradually increase your credit score with all relevant bureaus. Once your credit score is good, you can apply for credit cards with more attractive features.
When you are applying for an unsecured credit card, you have to worry about one more thing - will the issuer make a hard or soft inquiry in your credit history. Celtic Bank only makes soft-inquiries for clients applying for this card. Your credit history will remain intact, and the inquiry won't show up on your file.
At last, we have to mention the pre-qualification process, which is, above all else, surprisingly fast and super convenient. You can initiate the pre-qualification process online as long as you are at least 18 years old.
With this card in your hand, you will also benefit from:
- Price protection
- Master rental insurance
- Travel assistance services
- Master RoadAssist services
- Extended warranty coverage
Are There Any Disadvantages?
When it comes to disadvantages, this card doesn't have. There are few though you should be aware of. First, there is the question of the high annual fee, which is well above the industry average. On top of that, it is variable. More precisely, the issuer will assess your current credit and financial habits and offer you an appropriate annual fee.
The standard interest rate is a common thing with credit cards. Apparently, the interest charges are also above the industry average. If you choose to use this card, it is of utmost importance to pay your bills on time. Otherwise, you will have to pay your bills plus added interest charge for the period you were late with payments.
Should You Use This Card?
Getting approved for an unsecured credit card with prior bankruptcy in your credit history is extremely hard. You should consider using this card if you had to declare bankruptcy in the past, as it has low requirements and reports to all three important credit bureaus.
Thanks to this card you will be able to regain control of your finances and yet again become viable to apply for more beneficial credit cards.
Read the Review of Indigo Platinum Mastercard.
- People with prior bankruptcy stand a chance of getting approved
- Low requirement rates
- No deposit required
- Reports to all three major credit bureaus
- High annual fee
- APR slightly above industry average
- High late payment fee
|Review:||Full Card Review|
Rates & Fees
|Introductory APR (%):||N/A|
|Regular APR Type:||Fixed*|
|Annual Fee:||See Terms*|
|APR on Cash Advances:||See Terms*|
|Grace Period:||25 days*|
|Late Payment Fee:||Up to $40*|
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Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay
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