Indigo® Mastercard® From Concora Credit: A Card for Past Credit Challenges

Indigo Mastercard at a glance

Who the Indigo card is for

Indigo targets consumers who have had serious credit setbacks — charge-offs, collections or a past bankruptcy — and want to rebuild without a security deposit. If you can afford a deposit, a low-fee secured card may cost less; if you can't, Indigo provides an unsecured path.

Indigo fees and costs

Indigo offers typically include an annual fee, a possible monthly fee after the first year, a high variable APR and optional fee-based services. Some Indigo offers have carried a lower foreign transaction fee than other Concora cards. See the rates and fees page for how each charge works.

Getting an Indigo card after bankruptcy

A discharged bankruptcy stays on your credit report for up to 10 years (Chapter 7) or 7 years (Chapter 13), but its impact fades as you add positive history. Indigo has historically considered applicants with a prior bankruptcy, provided it is discharged. An active bankruptcy case will generally result in a decline.

A rebuilding plan with Indigo

1. Confirm your bankruptcy shows as discharged and that included debts show a $0 balance on all three reports.
2. Prequalify for Indigo with a soft pull.
3. After approval, set autopay and pay off the opening fee.
4. Charge less than 10% of the limit each month and pay in full.
5. Re-evaluate in 12 months — many people qualify for lower-cost products by then.

Frequently asked questions