Indigo Card

The Indigo Card is a secured credit card designed for people rebuilding credit or establishing a credit history from scratch. You put down a cash deposit, which becomes your credit limit—typically between $250 and $2,500. The card works like a regular credit card: you make purchases, receive a monthly bill, and build a payment history that credit bureaus report. Understanding how this deposit works, what fees to expect, and how it affects your credit score helps you decide if a secured card fits your situation.

These articles explain the mechanics of secured cards and the Indigo Card specifically: how your deposit protects the issuer while you build credit, what annual and monthly fees cost, how interest rates compare to other credit products, and what happens to your deposit over time. You'll also learn how missed payments affect your credit and what steps come after you've rebuilt your score.