What Indigo Card payments are and where to send them
Indigo Card is a secured credit card issued by Indigo Credit Card, Inc. When you make a payment on your Indigo Card, you are sending money to reduce your balance or pay your monthly bill. Payments can be made online through your account portal, by phone, by mail, or in person at a MoneyGram location.
The card is designed for people rebuilding credit, so understanding your payment options and important date matters more than with standard cards — missed or late payments report to credit bureaus and affect your credit score. Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closing date.
Key Takeaways
- You can pay your Indigo Card online through your account portal, by phone at the customer service number on your card, by mail to the address on your statement, or at a MoneyGram location.
- Your payment due date is listed on your monthly statement, and payments made after that date are reported as late to credit bureaus.
- Online and phone payments usually post within one business day, while mailed payments take five to seven business days to reach the payment processor.
- You can set up automatic monthly payments from your bank account to avoid missing a due date.
- Paying more than the minimum amount due helps you pay down your balance faster and reduces the interest you owe.
Paying online through your Indigo Card account
The fastest and most direct way to pay is through your online account. Go to the Indigo Card website and log in with your username and password. If you have not yet created an account, you will need your card number and the last four digits of your Social Security number to register.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard or under a "Payments" tab. Enter the amount you want to pay and confirm your payment method — you can pay from a checking or savings account (which takes one business day to post) or use a debit card (which may post the same day). Review the details and submit. You will receive a confirmation number when ready; save this for your records.
Paying by phone
Call the customer service number on the back of your Indigo Card to make a payment over the phone. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. Have your checking account number and routing number ready if you are paying from a bank account.
Phone payments typically post within one business day. Ask the representative for a confirmation number before you hang up. If you call outside business hours, you may be able to use an automated system to make a payment without speaking to a person.
Paying by mail
Write a check or money order payable to Indigo Credit Card, Inc. Include your account number on the check. Mail it to the payment address listed on your monthly statement — this address is different from the mailing address for correspondence, so check your statement carefully.
Mailed payments typically take five to seven business days to arrive and post to your account. To avoid a late payment, mail your check at least ten days before your due date. Keep a copy of the check or a photo of the front and back for your records.
Paying at a MoneyGram location
You can walk into a MoneyGram agent location (often found in grocery stores, pharmacies, and check-cashing businesses) and pay your Indigo Card balance in cash or with a debit card. Tell the agent you want to pay a credit card bill and provide your Indigo Card account number.
MoneyGram charges a fee for this service — the amount depends on the payment size and your location. Ask the agent what the fee will be before you complete the transaction. Payments made at MoneyGram typically post within one to two business days.
Setting up automatic payments
To avoid missing a due date, you can set up automatic monthly payments from your bank account. Log into your Indigo Card account online and look for an "Autopay" or "Automatic Payments" option. Choose whether you want to pay the minimum amount due, a fixed dollar amount, or your full statement balance each month.
Automatic payments are deducted on or shortly after your due date each month. You can change or cancel automatic payments at any time through your account. If you set up autopay to pay your full balance, you will avoid interest charges and build credit faster.
What happens if your payment is late
A payment is considered late if it arrives after your due date. Late payments are reported to the three major credit bureaus — Equifax, Experian, and TransUnion — and will lower your credit score. Indigo Card may also charge a late fee, which is added to your balance.
If you miss a payment, contact Indigo Card customer service as soon as possible. Bringing your account current stops future late reporting, though the late payment itself remains on your credit report for seven years. Some cardholders have had late fees waived if they call before the next billing cycle, though this is not may provide.
Frequently Asked Questions
How long does it take for my payment to show up in my account?
Online and phone payments usually post within one business day. Mailed checks take five to seven business days. MoneyGram payments typically post within one to two business days. Payments posted after your due date are still reported as late, even if they are in transit.
Can I pay more than my minimum amount due?
Yes. Paying more than the minimum reduces your balance faster and lowers the interest you owe. If you pay your full statement balance by the due date, you will not be charged interest on new purchases. You can pay any amount up to your full balance.
What if I cannot pay by my due date?
Contact Indigo Card customer service before your due date to discuss your options. While they cannot waive the payment, they may be able to work with you on timing. Making a partial payment before the due date is better than making no payment, as it shows good faith and reduces the amount of interest that accrues.
Is there a fee for paying online or by phone?
No. Indigo Card does not charge a fee for online or phone payments. MoneyGram charges a fee for in-person cash payments, and some banks may charge a fee if you use their bill-pay service to send a check on your behalf.
Can I pay my Indigo Card from another bank's bill-pay system?
Yes. You can use your bank's bill-pay service to send a check to Indigo Card. The payment address is on your statement. This method takes the same five to seven business days as mailing a check yourself, so plan accordingly to avoid a late payment.