How to Pay Your Indigo Credit Card Bill Online or By Phone

Having an Indigo credit card can be a great way to build or rebuild your credit. But to maximize the benefits, it’s essential to pay your Indigo credit card bill on time each month. In this comprehensive guide, I’ll walk through all the ways you can pay your Indigo bill quickly and easily online, over the phone, or by mail.

Overview of Indigo Credit Card Payment Options

Indigo offers several convenient payment options

• Online – The fastest way to pay is through your online account dashboard. There are no fees if you pay with a debit card, checking account, or savings account.

• Phone – Call the automated payment line or speak to a customer service agent to make a payment

• Mail: Send a money order or check to the address on your statement that says “Payment Address.”

• In person: Go to a place that is allowed to take cash, check, or money order and pay.

I’ll cover the step-by-step instructions for each of these payment methods below. But first, let’s look at some key considerations when paying your Indigo credit card bill.

When to Pay Your Indigo Credit Card Bill

Your Indigo statement will list a payment due date each month. It’s very important to pay at least the minimum payment by this due date to avoid late fees and damage to your credit.

For the best credit building, you should aim to pay your balance in full each month if possible. But paying by the due date is the critical thing.

I recommend scheduling your payment to process 3-5 days before the due date. This cushions against any processing delays and ensures on-time payment.

How Much to Pay on Your Indigo Credit Card

Indigo requires a minimum monthly payment of $40 or 7% of your statement balance, whichever is greater. This minimum payment will be shown on your statement.

To avoid interest charges, pay your statement balance in full each month. If you can’t pay in full, always pay at least the minimum required.

Paying more than the minimum when possible will reduce your balance faster and minimize interest fees. Target paying double the minimum if you can.

Paying Your Indigo Credit Card Bill Online

Paying online through your Indigo account is fast and secure. Here are step-by-step instructions:

1. Log into your Indigo account at indigo.myfinanceservice.com.

2. From the account overview page, select “Make Payment” under the balance.

3. Enter your payment amount and select a payment method:

   • Debit card – Visa, Mastercard, Discover
   • Checking account – Enter routing and account numbers
   • Savings account

4. Fill in your payment details and submit the payment.

5. You’ll receive a confirmation email once your payment is processed. Log into your account to confirm it’s reflected in your balance.

I recommend setting up automatic payments from your checking account through your online account. This automates your bill payment so you never miss a due date.

Paying Your Indigo Credit Card Bill By Phone

You can also make an Indigo credit card payment over the phone using Indigo’s automated system or by speaking to a customer service representative.

To use the automated phone payment system:

1. Call 1-866-717-7433, Indigo’s automated payment line.

2. Enter your 16-digit Indigo credit card number.

3. Select whether you want to pay the minimum, statement balance, or a different amount.

4. Enter your debit card or bank account information to withdraw funds.

5. Your payment will process immediately and a confirmation number will be provided.

To speak to a customer service representative:

1. Call 1-866-946-9545, Indigo’s customer service line.

2. Select the “Make a Payment” option from the phone menu.

3. Provide your Indigo account number to the representative.

4. The agent can take payment information over the phone and process it for you.

5. Request a confirmation number before ending the call.

Phoning in your payment is quick and easy when you need customer support or don’t want to log into your account.

Paying Your Indigo Credit Card Bill By Mail

To pay your bill by physical mail, follow these steps:

1. Have your printed Indigo statement handy to reference your balance.

2. Write a check or money order payable to “Indigo Mastercard”.

3. Print your Indigo account number on the check or money order to ensure proper crediting.

4. Mail your payment to:

Indigo Credit Card Payment
PO Box 23035
Columbus, GA 31902-3035

Be sure to mail your payment 7-10 days before the due date to ensure it arrives on time. Late payments incur a $41 fee, plus penalty interest rates.

I don’t recommend mailing payments unless necessary since online and phone payments are processed much faster. But it can be a backup option if needed.

Paying Your Indigo Credit Card Bill In Person

You can make an Indigo credit card payment in person at over 40,000 locations nationwide that accept Visa payments. This includes most banks, credit unions, grocery stores, pharmacies, and convenience stores.

To pay in person:

1. Bring your latest Indigo statement to reference your account number and balance.

2. Let the clerk know you need to make a credit card payment.

3. Provide your Indigo card details and the payment amount.

4. Pay with cash, debit card, or money order. Some locations may have limits on cash payments.

5. Get a receipt showing the payment date, amount, and confirmation number.

6. Make note of the location’s hours and payment cut-off times to avoid late payments.

In-person payments allow you to pay with cash if needed. But it’s less convenient than online or phone payments.

What Happens If You Miss Your Indigo Credit Card Payment?

If you miss an Indigo card payment, here are the penalties and impacts:

• Late Fee – A $41 late payment fee will be charged to your account.

• Penalty APR – Ongoing late payments trigger a penalty interest rate up to 29.9% APR.

• Credit Score Damage – Missed payments are reported to the credit bureaus, hurting your credit.

• Balance Accrues Interest – Unpaid balances start accruing interest at your regular purchase rate.

• Collections – Chronic late payments can result in your account being sent to collections.

• Account Closure – Failing to make minimum payments may lead to your account being closed.

Always do your best to pay on time, even if it’s just the minimum payment. Set up payment reminders to avoid slipped payments. And contact Indigo immediately if you anticipate payment issues.

Setup Automatic Payments for Worry-Free Indigo Credit Card Bill Payment

The easiest way to prevent missed Indigo credit card payments is by setting up automatic payments through your online account.

With autopay enabled, Indigo will automatically charge your bank account or debit/credit card for at least the minimum payment each month on your due date.

To set up autopay:

1. Log into your Indigo account and go to “Account Settings”

2. Click “Manage AutoPay Accounts”

3. Select your bank account or card to use for automatic payments.

4. Pick the amount you want deducted monthly – minimum payment or statement balance.

5. Review and submit the request to activate autopay.

I highly recommend using autopay for peace of mind knowing your Indigo payment will always process on time. You can always log in and pay additional amounts above the autopay minimum as well.

Get Support Paying Your Indigo Credit Card Bill

If you have any trouble making an Indigo credit card payment, customer support is available:

• By phone at 1-866-946-9545
• Using the live chat in your online account
• Through your account Message Center
• On Twitter @IndigoCredit

The Indigo support team can assist with payment issues, account access, statement questions, and any other billing needs. Don’t hesitate to reach out for help!

Key Takeaways on Paying Your Indigo Credit Card Bill

• Pay at least the monthly minimum payment by the due date to avoid late fees and interest.

• Pay your statement balance in full each month if possible to maximize credit building.

• Use autopay to guarantee on-time payment every month.

• Pay online for fastest processing or by phone for convenience.

• Watch out for late fees, penalty rates, and credit damage if you miss payments.

• Customer support is available to help with any payment issues.

Making on-time Indigo card payments is crucial for avoiding costly fees and building your credit effectively. Refer to this guide anytime you need a refresher on