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Next time you use the card, it will be fine. Then, to get me off the phone, the guy said… OK you’re right about your available credit line being $149. That didn’t make sense since I tried using it at 2 of the largest retailers in the USA. First they said that the card can’t be used at some retailers because they have to have an agreement set up with them. They gave me multiple excuses, none of which made sense. They could never explain the discrepancy, even after 30 minutes of talking and being put on hold repeatedly. They tried to convince me that their system showed I only had an available credit line remaining of $48 while their automated phone system and website showed an amount of $149. I’ve called twice to inquire and have experienced the worst customer service of my entire life. I spent around $100 in transactions, paid $40 instantly, and then my card started declining on other small transactions. Of course, as mentioned the annual fee is a minimum of $75 which applies immediately, and the highest limit offered is $300. I didn’t research it properly before applying, and I already regret it just one month later. I highly recommend that everyone stay away from this credit card. You can help by sharing these posts on social media, hopefully unsuspecting consumers will come across these reviews before they apply and decide to go down a different route instead. If anybody knows of any other cards with ridiculously high annual fees and other fees, let me know. Here are other cards in the hall of shame: Unfortunately this probably isn’t even the worst card on the market. For example using the shopping cart trick to get store credit cards.

There are also a bunch of other options for people with bad credit.

Upside is no annual fees and a good rewards program and the card can graduate to an unsecured card (you get your security deposit back, but keep the card and the rewards program improves). This will help people with bad credit improve their credit score, downside is you need to put down a security deposit. There are other options for people with bad credit, for example: Couple that with the fact there is no rewards program and you have a truly awful card. Our Verdictīeing able to check to see if you’re pre-qualified before applying with only a soft credit pull is a neat future ( although remember you can do this with other card issuers as well), unfortunately having an annual fee that is up to 33% of your credit limit is absolutely terrible. I don’t really see how this is even legal considering that the CARD act clearly states that an annual fee cannot be greater than 25% of the credit limit. Worst case scenario you’re going to be paying an annual fee of 33% of your total credit limit. This application helps you handle payments and boost your credit score.The difference between the three cards is simply the annual fee: Indigo Credit Card Payment simplifies money management. This highlights how crucial it is to manage your payments and expenditures to achieve financial stability and development.

Over 70% of Indigo Credit Card Payment customers report a credit score rise after six months. Indigo Credit Card Payment is available 24/7, so you never miss a due date. Their simple payment system lets you monitor expenditures and make payments on schedule. Indigo Credit Card simplifies money management. Over time, paying off your bill and keeping it low compared to your credit limit might enhance your credit score. Loans and mortgages will have lower interest rates if you have excellent credit.

Indigo credit cards may boost credit scores. List your monthly rent, utilities, food, transportation, and entertainment expenses. Budgeting strategies help you monitor your spending and stay within your means. Budgeting can help you use your Indigo credit card sensibly. To prevent debt, credit cards need discipline and smart choices. This credit card lets you shop and pay later. Indigo credit cards are strong financial tools.