Indigo Card bill payment basics
Indigo Card is a secured credit card issued by Indigo Credit, and you can pay your bill through their online account portal, by phone, by mail, or through automatic payments. The card comes with a monthly billing cycle, and your payment due date appears on your statement — typically 21 to 25 days after your statement closes. Payments made by the due date count toward your credit history and keep you from triggering late fees.
Your minimum payment is shown on your statement each month. Paying only the minimum means you carry a balance and pay interest on what remains, but it keeps your account in good standing. Paying the full statement balance avoids interest charges entirely. You can also make payments at any time during the month — there is no penalty for paying early.
Key Takeaways
- You can pay your Indigo Card bill online through your account, by phone at the customer service number on your card, by mail to the address on your statement, or by setting up automatic payments from your bank account.
- Your payment due date is typically 21 to 25 days after your statement closes, and paying by that date keeps you from incurring late fees and protects your credit history.
- Paying only the minimum balance means you carry a balance forward and pay interest on it, while paying the full statement balance eliminates interest charges for that month.
- Late payments of 30 days or more are reported to credit bureaus and can lower your credit score, making future borrowing more expensive.
Online and automatic payment methods
Log into your Indigo Card account on the Indigo Credit website to pay online. You will need your username and password, or you can create an account if you have not already. Once logged in, select the payment option and enter the amount you want to pay. You can pay from a checking or savings account by providing your routing number and account number, or you can use a debit card.
Automatic payments let you set a fixed amount to be withdrawn from your bank account on the same date each month. This removes the risk of forgetting a payment. You can set up autopay for your minimum payment, a fixed dollar amount, or your full statement balance. To change or cancel autopay, log into your account and adjust the settings — you do not need to call customer service.
Online and automatic payments typically post within one to two business days. If you are close to your due date, make sure to account for this processing time so your payment arrives on time.
Phone and mail payment options
Call the customer service number on the back of your Indigo Card to pay by phone. A representative will ask for the amount you want to pay and will process it using your bank account or debit card information. Phone payments are processed immediately, though the funds may take one to two business days to post to your account.
To pay by mail, send a check or money order to the address listed on your statement. Write your account number on the check. Mail payments take longer to reach Indigo Credit — typically five to seven business days — so send your payment well before your due date to avoid a late fee. Keep a record of when you mailed the payment in case there is a dispute about timing.
Late payment consequences and how to recover
A payment is late if it arrives after your due date. Indigo Card charges a late fee, which varies but is typically between $25 and $40 depending on your account history. More importantly, a payment that is 30 or more days late is reported to Equifax, Experian, and TransUnion — the three major credit bureaus. This late payment stays on your credit report for seven years and can lower your credit score by 100 points or more.
If you miss a payment, contact Indigo Card customer service as soon as possible. Explain your situation and ask whether they can waive the late fee as a one-time courtesy. Some cardholders have success with this request, especially if it is their first late payment. Paying the full past-due amount immediately stops additional fees from accruing and prevents further damage to your credit history.
If you are struggling to make your payment, do not ignore the bill. Indigo Card may offer a hardship program or a payment plan if you call and explain your circumstances. These options vary by situation, but asking is always better than defaulting.
Understanding your statement and payment deadlines
Your Indigo Card statement shows your opening balance, all purchases and fees from the billing cycle, your closing balance, your minimum payment, and your payment due date. The statement also lists your interest rate (called the Annual Percentage Rate, or APR) and the interest you paid that month. Review your statement each month to catch errors and to understand how much interest you are paying on any carried balance.
Your billing cycle is typically 28 to 31 days. Your statement closes on the same date each month, and your payment is due 21 to 25 days after that. If your due date falls on a weekend or holiday, Indigo Credit moves it to the next business day. Payments received after 5 p.m. Eastern Time on your due date are considered late.
How to avoid interest charges and fees
The simplest way to avoid interest is to pay your full statement balance by the due date each month. This is called paying in full, and it means you owe nothing beyond what you spent. If you carry a balance — meaning you pay less than the full amount — Indigo Card charges interest on the remaining balance starting the day after your statement closes. The interest rate is your APR divided by 365 and multiplied by your daily balance.
Avoid late fees by setting a calendar reminder for your due date or by using automatic payments. Even one day late triggers a fee. If you are unsure whether your payment will arrive on time, pay early instead. There is no benefit to waiting until the last moment, and the risk of a late fee is not worth it.
Frequently Asked Questions
What happens if I pay more than my statement balance?
Any amount you pay above your statement balance becomes a credit on your account. This credit is applied to your next month's charges, reducing what you owe. You can also request that Indigo Credit refund the overpayment to your bank account, though this typically takes five to seven business days.
Can I change my payment due date?
Contact Indigo Card customer service to request a due date change. They may allow you to move your due date by a few days to align with your pay schedule, though policies vary. Ask whether changing your due date affects your account in any way before you request the change.
What if I pay my bill but it still shows as late?
Check that your payment has posted to your account by logging in online or calling customer service. Payments can take one to two business days to post after you submit them. If your payment posted before your due date but still shows as late, contact customer service immediately — this is usually a processing error they can correct.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between your minimum payment and your full balance. Paying the minimum keeps your account in good standing and avoids late fees, but you will pay interest on the remaining balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster.
Is there a grace period before interest starts if I carry a balance?
Indigo Card does not offer a grace period on carried balances. Interest begins accruing the day after your statement closes if you do not pay the full balance. The only way to avoid interest is to pay your full statement balance by your due date.