Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Unsecured card accepting those with pior bankruptcy to rebuild credit

Updated: Oct 06, 2021

Advertiser Disclosure

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 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 in less than a minute.

The issuer is known to approve cards even to people with bad credit scores or prior bankruptcy in credit history. During the pre-qualification process, the issuer will make a soft inquiry into your credit history, which won't reflect on your 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.

ANNUAL FEE

See Terms

ONGOING APR

24.90% Variable

INTRO APR

N/A

329 User Ratings

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

at Indigo's Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Fair

Key Features

  • 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.

Our Take

This Indigo Unsecured Mastercard® is designed for people with prior bankruptcy in their credit history and helps to rebuild credit again.

Who Is This Indigo Prior Bankruptcy Okay 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. 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. You can put this card to smart use and leverage good reporting practices to get your credit score on its feet again. Since it is an unsecured card, 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.

Pros

  • Unsecured Mastercard
  • Accepts prior bankruptcy
  • Credit reporting
  • Fast response times
  • Soft credit inquiry
  • Variety of Mastercard benefits

Cons

  • High, variable annual fee
  • High interest rates

What are the Main Benefits?

  • Unsecured Mastercard®. The major advantage of using Indigo Unsecured Mastercard® is that you won’t have to make a deposit. This card will help you achieve your financial freedom and build your credit score without collateral. Unsecured cards rate better with credit bureaus than secured credit cards (explained). It will help you appear more responsible and trustworthy.
  • Accepts prior bankruptcy. 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 this Indigo card, you will have no problems getting a credit card if you have sunk your financial ship in the past.
  • Credit reporting. The issuer of this Indigo Mastercard® 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 score with all relevant bureaus. Once your score is good, you can apply for credit cards with more attractive features.
  • Soft credit inquiry. When you are applying for an unsecured card, you have to worry about one more thing – will the issuer make a hard or soft inquiry in your credit history. Indigo Mastercard® issued by Celtic Bank only makes soft inquiries for clients pre-qualifying for the card. Your credit history will remain intact, and the inquiry won’t show up on your file until you actually submit the application
  • Fast response times. At last, we have to mention the pre-qualification process, which is, above all else, has surprisingly fast response times and super convenient. You can initiate the pre-qualification process online as long as you are at least 18 years old.
  • Variety of Mastercard® benefits. With this card in your hand, you will also have access to standard Mastercard® benefits: Zero Liability Protection, Mastercard® ID Theft Protection, and Mastercard® Global Service.

Are There Any Disadvantages?

When it comes to disadvantages, this card doesn’t have much. There are a few though you should be aware of.

  • High annual fee. First, there is a high annual fee. The issuer will assess your current credit and financial habits and offer you an appropriate annual fee for the first year. The annual fee will change after the first year.
  • High-interest rates. The standard interest rate for this card is rather high, too.

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 get Indigo Card with Prior Bankruptcy?

Getting approved for an unsecured 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 rewarding offers in near future.

Other Indigo Cards from Celtic bank

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Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Unsecured
  • Building Credit
  • Damaged Credit
  • Pre-Qualification
Rewards: No
Rates & Fees
Regular APR: 24.90%
Regular APR Type: Variable
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: See Terms
Grace Period: 25 days
Late Payment Fee: Up to $40
Other Fees:
  • Returned Payment: Up to $40.00
  • Foreign Transaction: 1%
  • Annual Fee: from $0 to $99*

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Alternatives


Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

APPLY NOW

Annual Fee

See Terms

Regular APR

24.90%

Intro APR

N/A

Min. Credit Level

Fair

IMPORTANT
*The information provided for Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay is believed to be accurate at the time of evaluation or recent update on October 06, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Reviews - (2 User Reviews)
Share your experience and rate the Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay
(Good)
December 2, 2020
Aaron (36-45) - Cardholder
Income on Application
$58782
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
No

Got me out of a bad situation

Went bankrupt couple years back cause of a bad business plan I used to have a great credit score and now its rock bottom took me a while to get the score up to 570 and all it was due to Indigo card Its got high fees and I’m always paying for something but its the only card that got me accepted the only card that effected my score my goal is to raise the score to 600 and maybe get a new card
Fees & Charges:
3/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
3/5
Comment (0)

(Good)
June 28, 2020
Cody (46-55) - Cardholder
Income on Application
$48036
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
Yes - 1 year

This card made by bankruptcy recovery as painless as possible.

My financial history has been rocky, to say the least. I've had the misfortune of having to file for bankruptcy some time ago, and I really needed a card to get me out of the gutter. The indigo unsecured MasterCard has worked wonders for me. Not only does it report to all the major credit bureaus and helps me improve my credit score, but the customer support is also extremely friendly. I was in desperate need of advice, and the customer support was always there for me. I can't thank this card enough for all it has done for me, and I can’t recommend it enough to people who are struggling with their financial situation.
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

Min. Credit Required: Fair

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