Indigocard Avis 

Called to see if they would lower my APR and the representative told me that they don’t do that because they learn to subprime consumers. Basically they are going after low income people and charging higher fees. CEO is getting richer and people are going into debt. In this company could care less.

This company lies to gain money warning, the first payment I could not access site and they told me they wave the 40$ late payment and the did but they went around and reported to all credit agencies that we are late and killed my credit score. We where promised there be zero late fee, but they said today that don't mean we wont report to creditors and this was you fault you should have found another way to pay, WTF Scum ass company and Yes gone sue the shit out them. Warning they are liars and scammers Beware, Beware, Beware, Beware of the scum! all they do is LIE--

indigo card is a scam. its allegedly $0 monthly fee for the 1st year then jumps up to $231 every year after that. no card with a $1500 limit should charge even $25 a year

customer service pretends they cant hear what youre telling them. all of the agents sound like a bunch of mumble rappers. they should be fired and replaced with usa based agents that speak proper english

Consistently send unsolicited emails from different emails! Unable to block!

I not sure what these people are doing!!!Do not open a account with them I'm not sure how you make payment after payment yet your credit amount or amount owed never goes down If you have this card pay it off and cancel I have never seen anything like it

Yes, these guys are ass…advertise 24 hour customer service and the shut down at 9pm….in addition to what everyone else is saying….cant wait to see what is next from these bozos

Update…I just read all the other reviews…I’m screwed because I too paid this piece of garbage to zero…apparently they don’t like that….now my card doesn’t work either…I will live but it is clearly a bait and switch or scam…

By the way, never seen a company where every single review is one star and everybody without fail hates it…that’s a new one…

Stay away!!!!!!

Update 7/8
Just called this clown crew…got kind of what was expected with a twist…First I asked why they say beside their phone number in the App they provide 24 hour customer service and the close down at 9pm…no good answer to that one but they are “sorry” in very broken English ( does anyone other than Discover or Chewy still provide English speaking support any longer?)
As for my next question…suffice it to say he was very confused even though it was an easy one…and just started reading from the scripts answering questions I very clearly did not ask. Then put me on hold, and when he couldn’t figure out the answer just never came back and hung up (didn’t see that coming). I did take their survey at the end of the call…one of the questions was “if I had a customer service job would I hire this person”…lol, uh, no!

I am sure my feedback was important….

First I am completely disappointed in the indigo card service. I send a payment long before my payment was do from my checking account but the payment was not processed at all and then I made another payment using the same method which also was not processed which I received an email from both transaction from Concora credit saying that my payments both where dumited and then days later I checked to see why both amounts where not substrates from my account only to find out that they had closed my account because of to many returned payments which was completely their fault and went to tell me that I would recieve a letter in the mail confirming this and wasn’t even notified by an email of the whereabouts about my account. I was totally outraged at the terrible service this company and then they claim ther was nothing they could do to open my account, but just pretty much had to accept their miss handling of my account. Please do yourself a favor and never apply for and indigo credit card of any kind ever to avoid the terrible experience I went through please

It took them 4 tries (over 6 weeks) to get the card sent. After finally receiving and activating the card, it didn't work. Come to find out they had already closed my account without any sort of notification. I paid 3 months of account maintenance fees and never used my card once.

This is the worse credit company I have.

I would not recommend this card to anyone. They get you "in" by offering a fair amount of credit, with fairly reasonable terms.
After a few months they will send a letter about a change in terms. Raising the interest to 35% and saying they will now charge you monthly for having their card, whether you have used it or not. The only options at that point are: to agree to the new terms or close the account. Closing the account will drop your credit score by at least 18 points.
It's bait and switch at it's finest.
How could they improve?
By not conducting business that way.

I requested a new card because I had lost mine. I needed to update my address so they could send the new card to my new home. They sent the card, but then I received a letter that the card would be closed and that I needed to send in document verification. Why wouldn't they ask me for document verification before sending out the new card? My current identification does not have my new address on it so the account was closed and is likely going to negatively impact my credit score as I have had this card for over 7 years! And when I requested for them to reopen the account they told me the account was permanently closed! Another rep told me the account was closed due to a dispute. I've never had ONE dispute EVER on this card! Beyond pissed off that this is the way Indigo treats their customers. None of the managers could do anything to assist me. Very disappointing and I would NOT recommended this card to anyone!!

Too bad there are not negative stars. This is a scam. Beware. Card supposedly mailed a month ago and not received. Monthly maintenance charges applied and refused to waive and now says there is a block on sending replacement card. Don't apply. Don't use. Will be disputing with credit agencies to have removed.

Like everyone else i carried a zero balance on my card started charging 7dollars a month for annual fee then card was blocked my phone number was blocked not just on one but all Indigo contact numbers on the web, even tech. Support.
BUT to get hold of this company look up credit card fraud line to report and the wonderful agent i talked to got an instant answer and I was able to cancel this crooked company credit card if anyone starts a class action suit count me in over 3 months of trying to contact this crooked card co. Before I smartened up I don't care if my credit score takes a hit better than my walllet

Third class customer service and company a .i had called to pause my card dumb agent report lost and stolen and then I realized my card was off . I called and then requested a new card the agent assured the card will be sent in 14 days.i asked to ship fast 　　.he was rude and stated we dont offer. After 2 weeks card is not even shipped. The agent was so unhelpful and sais my manager emailed fraud and the card is not even sent yet.such a shame
Do not do business with the company anymore.
　

Things were great, until I paid off my bill and had a zero balance.

Then you thought you'd be smart asses and lock my card for no effing reason. Caused my payment to get kicked back to another account and that account to get overdrafted.

So thanks for completely inconveniencing me, and making me have to move money around that to cause delays in other areas.

And then absolutely no offer of compensation. Just "your card is unlocked now". Well, gee, thank you. Thank you massas for unlocking the card I already pay for so I can use it and you can make MORE money. Thank effing God, that it was a storage unit bill, and I wasn't on a road trip, planning to use that card for fuel.

Don't get this card! I have been paying my balances off every time I charge and they hold back my funds for 14 days, it's not available to me right away. But they take it out of my checking account fast. You do not want to do business with an organization that steals from you! STAY AWAY!

This credit card is junk! Do not apply from them.total scam!

Do not by any means. Sign up for this card and you'll fee the monthly fee and the credit protection fee is outrageous. These people sent me pre-approval got approved for no annual fee. No monthly fee. Just credit protection fee and 3 months later sent me a letter stating that this card will have an annual fee plus a $7 monthly fee and the only way to avoid the fees to close the account which in turn makes your credit worse than what you started out with. I would strongly advise anybody that is trying to build their credit stay far far away from this company you will only be put in the worst position than what you started out with

The WORST credit building card EVER... They closed my account after 3 months because ...wait for it ...i paid too many times. First I was told that I was delinquent which was ridiculous because I had paid more than once a month then I was told it's because of my payments to credit ratio meaning the fact that I paid four times in 3 months caused them to cancel me and completely bomb the credit score that I have been working so hard to fix.

I have been a customer for 5 years. Mad my payments on time every month on time.... so I thought. Come to find out my due date was changed from the 23rd to the 21st. This cost to was $40 a month for 12 months. I haven't even used the card for a year. I was paying it off. But instead of paying it off my balance kept getting bigger. Thunk again before doing business with them or anybody with Concord Credit Card Services.