Categories
Credit Card Reviews

Indigo Platinum Mastercard Review

The Indigo Platinum Mastercard, issued by Celtic Bank, is designed for those with no credit or poor credit as a tool to start building a positive credit history. The card does not require a security deposit, as you would need with a secured card. But unlike other starter cards for people with bad or no credit, the Indigo Platinum Mastercard is a temporary solution with no extra benefits or rewards, and no automatic pathway to graduate into a better product.

Indigo® Platinum Mastercard®

OVERALL RATING2.9

Indigo® Platinum Mastercard®

RECOMMENDED CREDIT SCORE 350850Poor – Excellent

REGULAR APR (%)24.9% variable
ANNUAL FEE$0 – $99

RATINGS BREAKDOWNfor Interest1.5for Fees2.4for Rewards2.3for Credit5.0To see how we calculate these scores, check out our full methodology.TABLE OF CONTENTS

  • Pros Explained
  • Cons Explained
  • How to Get the Most Out of the Card
  • Customer Experience
  • Security Features 
  • Fees to Watch Out For

Who Is This Credit Card Best For?

  • Avatar for Savvy Saver PersonaPrioritizes sticking to their budget while buying what they want and needSee more cardsSAVVY SAVER
  • Avatar for Debt Warrior PersonaAttacks existing balances while avoiding new debtSee more cardsDEBT WARRIOR
  • Avatar for Credit Builder PersonaTakes improving their finances seriously and wants recognition for using credit responsiblySee more cardsCREDIT BUILDER

If you need to establish or rebuild your credit and don’t have the cash on hand to put down a security deposit, the Indigo Platinum Mastercard might be worth checking out. You’ll first need to fill out a prequalification application, which will help determine whether or not you may qualify without counting as a hard inquiry (which would ding your credit score). Once you have a fairly good sense that you’ll be approved (although approval isn’t 100% guaranteed), you can move forward with the actual application.

hard inquiry occurs when you apply for a line of credit, and the creditor pulls your credit file. This has a small negative impact on your credit score.

You will only have a $300 credit limit to work with over the life of the account, so the card isn’t good for those who need to spend more within one billing cycle. Pros

  • No security deposit required
  • Choose your card design

Cons

  • No bells and whistles
  • A tight credit leash

Pros Explained

  • No security deposit required: Typically, if you have very poor or nonexistent credit, you have to opt for a secured credit card (for which you leave a security deposit that matches the credit limit), or you have to get someone to add you as an authorized user on their account. The Indigo Platinum Mastercard is a chance to get credit in your own name without having to put your own money down.
  • Choose your card design: If this is your first card or the only card you can get, you can at least choose a fun design such as a beach scene or cityscape to match your personality. 

Cons Explained

  • No bells and whistles: If you’re looking for any perks, you won’t find them on this card. Secured cards sometimes offer rewards like cash back, a lower introductory APR, and/or automatic credit increases or upgrades to an unsecured card as your credit improves.
  • A tight credit leash: You’ll start with just a $300 credit limit, which will be reduced by the amount of your annual fee (if any), and that’s all you’ll have for as long as the card is open. That doesn’t give you much wiggle room as far as credit utilization goes, which you’ll need to keep on the lower side to see credit score progress. 1

Your credit utilization is an important factor in your credit score. It’s calculated as the amount of debt you have divided by your credit limits. You want to keep it as low as possible—definitely below 30%. With this card’s credit limit capped at $300, you should aim to keep your balance under $100 throughout the billing cycle—even if pay your balance in full every month.

How to Get the Most Out of This Card

If approved, once you begin using the card, your credit activity will be reported to the three credit bureaus. This reporting is critical, since consistent positive behavior will lay the foundation for building your credit score.

The best way to improve your credit with this card (or any card) is to make small, regular purchases so you keep the card active and build up a positive payment history. Try keeping your total balance below $100—less than $50 is even better—so you’re never using more than 30% of your available credit.

Most importantly, pay your entire balance on time each month, and in full if you can. The amount of credit you use and your payment history are the two most impactful components of your credit score. 

Customer Experience

The card provides alerts of new hard inquiries on your TransUnion credit report and some basic information about credit card terminology, too.

Also, you won’t have access to an app or a customer service chat feature, which some other credit cards offer. But you can call customer service toll free, and access your account anytime from your desktop computer, mobile phone or tablet. 

Security Features 

The Indigo Platinum Mastercard has standard security features, including chip technology.

Indigo Platinum Mastercard’s Fees to Watch Out For

The Indigo Platinum Mastercard has fees for just about everything, from the annual fee (unless you’re approved to not have one) and foreign transaction fees (1%), to ones for late payments (up to $40), returned payments (up to $40), and going over your credit limit (up to $40). If you happen to take a cash advance, however, you won’t have to pay a fee in your first year. After that, you’ll pay $5 or 5% of the transaction amount (whichever is greater).

198 replies on “Indigo Platinum Mastercard Review”

[url=http://ivermectinvi.com/]stromectol ivermectin buy[/url] [url=http://iveromectinforhumans.com/]ivermectin coronavirus[/url] [url=http://antabuse.quest/]antabuse no prescription[/url] [url=http://genericialis.com/]cialis from canada[/url] [url=http://sildenafilgenerictb.com/]buy sildenafil generic online[/url] [url=http://ivermectinm.com/]ivermectin price usa[/url] [url=http://viagralowprice.com/]female viagra pills australia[/url] [url=http://buyantibiotics.online/]500 mg azithromycin[/url] [url=http://buycialistablet.com/]cialis 20 mg tablet price[/url] [url=http://buyiveromectin.com/]buy ivermectin uk[/url]

[url=http://orderiveromectin.com/]stromectol tab[/url] [url=http://buyhydroxychloroquine.quest/]hydroxychloroquine 70 mg[/url] [url=http://albenza.online/]albendazole tablet 400 mg[/url] [url=http://prednisone.monster/]prednisone 20 mg[/url] [url=http://chloroquine.quest/]chloroquine india[/url]

[url=http://buyevermectin.com/]stromectol ivermectin tablets[/url] [url=http://atarax.quest/]atarax 25mg without script[/url] [url=http://ivermectin.eus/]ivermectin 5[/url] [url=http://ivermectin.trade/]cost for ivermectin 3mg[/url] [url=http://sildenafil.monster/]sildenafil 200mg[/url]

[url=http://buysildenafil.quest/]sildenafil 10 mg price[/url] [url=http://hydroxychloroquine.monster/]hydroxychloroquine plaquenil 200 mg tablet[/url] [url=http://cialis.pink/]cialis cost in usa[/url] [url=http://orderviagra.online/]generic viagra best prices[/url] [url=http://genericviagra.quest/]viagra 20 mg daily[/url] [url=http://sildenafil.best/]sildenafil 110 mg capsule[/url] [url=http://silagra.online/]silagra 50[/url] [url=http://ivermectin.directory/]ivermectin for humans[/url] [url=http://buytadalafil.quest/]best price generic tadalafil[/url] [url=http://sildenafil.delivery/]sildenafil 1.5[/url]

[url=http://ivermectin.gen.in/]ivermectin 5 mg price[/url] [url=http://hydroxychloroquine.today/]hydroxychloroquine nz[/url] [url=http://silagra.online/]silagra 100 price in india[/url] [url=http://sildenafil.onl/]generic sildenafil prescription[/url] [url=http://ivermectin.digital/]ivermectin 9 mg[/url] [url=http://albenza.online/]albendazole 400 mg 1mg[/url] [url=http://cheapcialis.online/]brand cialis for sale[/url] [url=http://ivermectin.how/]stromectol buy[/url] [url=http://cialis.how/]generic cialis daily[/url] [url=http://elimite.quest/]acticin without prescription[/url]

[url=http://buygenericviagra.quest/]can you buy viagra[/url] [url=http://trazodone.online/]10 mg trazodone[/url] [url=http://ivermectin.codes/]stromectol for humans[/url] [url=http://ivermecfin.com/]ivermectin[/url] [url=http://ivermectin.monster/]stromectol tablets[/url] [url=http://buytadalafil.quest/]price tadalafil 20mg[/url] [url=http://cheapviagra.quest/]cheap viagra fast shipping[/url] [url=http://cialis.pink/]best price for cialis 10mg[/url] [url=http://ivermectin.mobi/]buy ivermectin pills[/url] [url=http://hydroxychloroquine.fun/]hydroxychloroquine plaquenil 200 mg tablet[/url]

[url=http://internetpharmacy.online/]top mail order pharmacies[/url] [url=http://atomoxetine.online/]order strattera[/url] [url=http://erectafil.online/]erectafil 20 mg[/url] [url=http://ivermectin.monster/]buy ivermectin canada[/url] [url=http://albendazole.online/]albendazole brand name price[/url]

[url=http://orderiveromectin.com/]ivermectin australia[/url] [url=http://genericcialis.quest/]canadian price for cialis[/url] [url=http://ciprofloxacin.online/]buy ciprofloxacin online uk[/url] [url=http://fildena.quest/]fildena for sale[/url] [url=http://buylisinopril.online/]average cost of lisinopril[/url] [url=http://cialis.eus/]buy cialis cheap prices fast delivery[/url] [url=http://hydroxychloroquine.live/]hydroxychloroquine 200mg[/url] [url=http://azithromycin.monster/]order azithromycin[/url] [url=http://viagra.onl/]generic viagra 100mg cost[/url] [url=http://ivermectin.onl/]ivermectin[/url]

[url=http://ivermectin.codes/]ivermectin cost canada[/url] [url=http://genericviagra.quest/]order cheap viagra online[/url] [url=http://sildenafil.onl/]sildenafil online india[/url] [url=http://lisinopril.quest/]buy lisinopril online no prescription[/url] [url=http://buysildenafil.quest/]sildenafil where to buy[/url] [url=http://zithromax.quest/]azithromycin 500mg tab cost[/url] [url=http://buycialis.best/]cialis soft tabs original[/url] [url=http://buyhydroxychloroquine.quest/]plaquenil weight loss[/url] [url=http://ivermectin.solutions/]stromectol pill for humans[/url] [url=http://tadalafil.onl/]tadalafil 5mg online[/url]

[url=http://ivermectin.men/]ivermectin 2mg[/url] [url=http://ivermectin.net.in/]ivermectin pills canada[/url] [url=http://buyamoxicillin.online/]500g amoxicillin[/url] [url=http://hydroxychloroquine.today/]quineprox 10 mg[/url] [url=http://cialis.eus/]cheap generic cialis online canadian pharmacy[/url]

[url=http://viagraebuy.com/]discount viagra[/url] [url=http://sildenafilokey.com/]sildenafil 100mg tablets[/url] [url=http://viagrabluetabs.com/]viagra soft 100mg online canadian pharmacy[/url] [url=http://cymbaltaonline.online/]cymbalta duloxetine hydrochloride[/url] [url=http://sildenafilapill.com/]sildenafil 100mg price comparison[/url]

[url=http://tadalafil.live/]tadalafil generic cheap[/url] [url=http://tadalafil.tech/]tadalafil 100 mg uk[/url] [url=http://genericsildenfil.com/]sildenafil canada price[/url] [url=http://cleocinbuy.online/]cleocin online without a prescription[/url] [url=http://viagra.pet/]generic viagra sold in united states[/url] [url=http://cialiseddrug.com/]canadian cialis 20mg[/url] [url=http://onlinepharmacy.quest/]capsule online pharmacy[/url] [url=http://tadalafilgmed.com/]tadalafil 2.5 mg daily[/url] [url=http://cialis.blue/]generic cialis online usa[/url] [url=http://cymbaltaonline.online/]cymbalta online[/url]

[url=http://bactrim.monster/]bactrim for sale[/url] [url=http://sildenafilcitra.com/]where to buy generic sildenafil[/url] [url=http://cialis.blue/]where to buy cialis online safely[/url] [url=http://ivermectin.builders/]cost of ivermectin 1% cream[/url] [url=http://ivermectin.rodeo/]ivermectin otc[/url] [url=http://hydrochlorothiazide.monster/]hydrochlorothiazide 100 mg[/url] [url=http://sildalis.online/]buy sildalis 120 mg[/url] [url=http://cephalexinbuy.online/]buy cephalexin 500mg uk[/url] [url=http://lexapro.monster/]lexapro generic 40 mg[/url] [url=http://ivermectin.cat/]ivermectin uk buy[/url]

[url=http://indocin.online/]indocin online[/url] [url=http://viagraishop.com/]buy pfizer viagra[/url] [url=http://cialiseddrug.com/]generic cialis europe[/url] [url=http://ivermectin.media/]ivermectin price usa[/url] [url=http://ivermectin.moscow/]cost of stromectol[/url]

[url=http://buylexapro.online/]where can i buy cipralex[/url] [url=http://ivermectin.faith/]ivermectin 5[/url] [url=http://ivermectin.cat/]ivermectin tablets[/url] [url=http://brandnewviagra.online/]viagra otc us[/url] [url=http://bupropion.online/]zyban cost canada[/url]

[url=http://sildenafilcitra.com/]cheap rx sildenafil[/url] [url=http://viagra.pet/]viagra 25mg price in india[/url] [url=http://viagratry.com/]where to buy otc viagra[/url] [url=http://erythromycin.monster/]buy erythromycin tablets online[/url] [url=http://zovirax.quest/]acyclovir 100 mg[/url] [url=http://sildenafil.tech/]sildenafil 85[/url] [url=http://dipyridamole.monster/]dipyridamole 75 mg tablet[/url] [url=http://tadalafilgmed.com/]tadalafil 10mg canada[/url] [url=http://tadalafil.today/]tadalafil 20mg lowest price[/url] [url=http://cialiseddrug.com/]where to buy cialis in usa[/url]

[url=http://bactrim.monster/]buy bactrim online uk[/url] [url=http://cleocin.quest/]cleocin liquid[/url] [url=http://viagracr.com/]where can i get viagra uk[/url] [url=http://cialiseddrug.com/]paypal cialis[/url] [url=http://buyaccutane.online/]accutane uk prescription[/url] [url=http://cialis.pet/]generic cialis 20 mg safe website[/url] [url=http://tetracycline.monster/]sumycin 500 mg[/url] [url=http://cialis.blue/]buy cialis online paypal[/url] [url=http://ivermectin.download/]covid ivermectin[/url] [url=http://viagrabluetabs.com/]viagra 100mg online australia[/url]

[url=http://buyaccutane.online/]accutane 30 mg cost[/url] [url=http://sildenafilcitra.com/]order sildenafil from india[/url] [url=http://ivermectin.faith/]buy oral ivermectin[/url] [url=http://ivermectin.email/]ivermectin human[/url] [url=http://sildenafilcitrate.monster/]sildenafil 50 mg price in india[/url] [url=http://sildenafil.click/]sildenafil generic usa[/url] [url=http://tadalafil.men/]tadalafil for sale from india[/url] [url=http://hydrochlorothiazide.monster/]hydrochlorothiazide oral[/url] [url=http://cymbaltaonline.online/]generic of cymbalta[/url] [url=http://ivermectin.network/]buy stromectol[/url]

Have you ever considered creating an e-book or guest authoring on other sites?
I have a blog based upon on the same ideas you discuss and would love to
have you share some stories/information. I know my visitors would enjoy your work.
If you are even remotely interested, feel free to shoot me an e mail.

[url=http://buygenericcialisonline.online/]cialis for daily use 5 mg[/url] [url=http://nonprescriptionviagra.quest/]generic viagra 50mg canada[/url] [url=http://ivermectinxsale.online/]ivermectin 0.5%[/url] [url=http://ivermedication.online/]ivermectin cost canada[/url] [url=http://ivermectinforhumans.monster/]where to buy stromectol[/url] [url=http://citalopram.quest/]citalopram escitalopram[/url] [url=http://ivermectinxsale.com/]stromectol usa[/url] [url=http://iverm.online/]ivermectin 9 mg[/url] [url=http://ivermex.com/]ivermectin 5 mg price[/url] [url=http://prozac.monster/]generic prozac cost[/url]

[url=http://ivermedication.online/]stromectol 3 mg tablets price[/url] [url=http://iverm.online/]ivermectin price canada[/url] [url=http://kamagra.quest/]kamagra jelly next day delivery[/url] [url=http://sildenafilbuy.online/]sildenafil purchase india[/url] [url=http://ivermectinvi.online/]ivermectin buy nz[/url] [url=http://canadianpharmacycialis.quest/]generic cialis online prescription[/url] [url=http://realviagra.quest/]how to buy viagra in us[/url] [url=http://buycheapcialisonline.quest/]how to get cialis without prescription[/url] [url=http://sildenafilcitrate100mg.quest/]sildenafil 10 mg india[/url] [url=http://cheapgenericviagra.online/]viagra cheap[/url]

[url=http://ivermectinvir.online/]ivermectin 3mg dose[/url] [url=http://orderviagraonline.quest/]viagra generic in united states[/url] [url=http://ivermectinm.online/]ivermectin cost[/url] [url=http://cialiswithoutprescription.online/]cialis for daily use price[/url] [url=http://viagracoupons.online/]order viagra online usa[/url]

[url=http://ivermectinvir.quest/]buy ivermectin uk[/url] [url=http://sildenafil100mg.online/]sildenafil 100mg tablets buy online[/url] [url=http://buycialispills.online/]cialis from canadian pharmacy[/url] [url=http://tadalafilgeneric.quest/]buy tadalafil online australia[/url] [url=http://citalopram.quest/]citalopram 20 mg[/url]

[url=http://sildenafilcitratetablets.online/]sildenafil prices in india[/url] [url=http://buyivermectinforhumans.online/]ivermectin price usa[/url] [url=http://tadalafilforsaleonline.com/]canadian pharmacy tadalafil 20mg[/url] [url=http://ivermectinttab.com/]ivermectin 0.1[/url] [url=http://synthroid.monster/]synthroid rx coupon[/url] [url=http://sildenafilutabs.online/]sildenafil 50mg brand name[/url] [url=http://finasteride.quest/]finasteride for sale[/url] [url=http://discountviagra.online/]viagra pill price in mexico[/url] [url=http://ivermectinktab.online/]ivermectin where to buy[/url] [url=http://acyclovir.monster/]acyclovir 400 mg cost[/url]

[url=http://viagraxo.com/]cheap viagra 25[/url] [url=http://amoxil.monster/]can you buy amoxicillin over the counter in canada[/url] [url=http://buyivermectinpills.quest/]ivermectin generic[/url] [url=http://ivermectinatabs.com/]ivermectin 1 cream[/url] [url=http://buyviagraonlinepharmacy.com/]can i buy viagra in canada over the counter[/url]

[url=https://bestcialispharmacy.quest/]buy real cialis online[/url] [url=https://onlineviagra200withnorx.quest/]viagra coupon canada[/url] [url=https://onlineviagrawithoutprescription.monster/]best viagra coupon[/url] [url=https://cialisgenericpills.quest/]cialis south africa price[/url] [url=https://buyviagraonlinegeneric.quest/]viagra 150 mg[/url] [url=https://buyviagra150online.quest/]where can i get real viagra[/url] [url=https://viagraonlinetabletsale.monster/]generic viagra online paypal[/url] [url=https://orderviagratabswithoutrx.monster/]female viagra pills online india[/url] [url=https://buycheapcialispill.monster/]generic cialis in mexico[/url] [url=https://buygenericviagratabs.monster/]order viagra online without a prescription[/url]

[url=https://buycialsonline.quest/]cialis 1mg[/url] [url=https://generictdalafil.quest/]tadalafil in mexico[/url] [url=https://buyviaga.quest/]where to get viagra in australia[/url] [url=https://genericcial.quest/]order generic cialis online uk[/url] [url=https://cialiprescription.quest/]cialis prescription discount[/url]

Leave a Reply

Your email address will not be published. Required fields are marked *