How to Pay Your Indigo Credit Card Bill

How Indigo Credit Card Payments Work

Indigo Credit Card payments move money from your bank account to Indigo's account through ACH transfer — an electronic system that takes one to three business days to complete. You can pay online through your Indigo account, by phone, or by mail. The card issuer, Indigo, is a subsidiary of WebBank, a Utah-based bank that issues credit cards to people rebuilding credit. When you make a payment, the money goes to WebBank's processing center, not to a local branch or a third-party service.

Your payment due date appears on your monthly statement and is always the same day each month. Payments received by 5 p.m. Eastern Time on the due date count as on-time. If you pay after that time or after the due date, the payment is recorded as late, and a late fee (typically $25 to $35, depending on your card terms) is added to your account. The payment itself still reduces your balance, but the late mark stays on your credit report for seven years.

Key Takeaways

• Online payments through your Indigo account take one to three business days to post and are the fastest and most secure method.
• Payments must arrive by 5 p.m. Eastern Time on your due date to avoid a late fee and a late mark on your credit report.
• ACH transfers from your bank account are free; Indigo does not charge a payment fee for any payment method.
• If you miss a payment, contact Indigo immediately — some cardholders can have a single late fee waived if they call within 30 days and have a clean payment history.

Paying Online Through Your Indigo Account

Log into your Indigo account at the Indigo website or through the Indigo mobile app. Select "Make a Payment" or "Pay Now" from the dashboard. Enter the amount you want to pay — you can pay the full statement balance, the minimum payment, or any amount in between. Choose the bank account you want the money to come from (you can save multiple accounts). Confirm the payment date; if you choose today, the payment will process immediately, but it will not show in your available credit for one to three business days.

After you confirm, you will see a confirmation number on screen. Write it down or take a screenshot. Indigo will also send a confirmation email to the address on file. Keep this email until the payment posts to your account. If something goes wrong — for example, if the payment is rejected because of insufficient funds — Indigo will notify you by email or phone, usually within 24 hours.

Paying by Phone or Mail

To pay by phone, call the customer service number on the back of your Indigo card. A representative will ask for your account number, the amount you want to pay, and the bank account you want it drawn from. Phone payments are processed the same way as online payments and take one to three business days to post. You will receive a confirmation number; ask the representative to email or mail it to you.

To pay by mail, write a check or money order payable to Indigo. Include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — this is different from your billing address. Mail payments take five to seven business days to arrive and process, so mail your payment at least ten days before your due date if you want to avoid a late fee. Keep a copy of the check or a photo of the money order receipt for your records.

Setting Up Automatic Payments

Automatic payments remove the risk of forgetting a due date. Log into your Indigo account, go to "Autopay" or "Automatic Payments," and select the bank account you want the payment to come from. Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. Select the day of the month you want the payment to occur — ideally five to seven days before your due date, to give the ACH transfer time to complete.

Once autopay is set up, the payment will happen automatically on that day each month. You can change or cancel autopay anytime through your account. If your bank account closes or changes, update it in your Indigo account immediately, or your autopay will fail and you will be charged a late fee. Indigo will send you a reminder email before each automatic payment is processed.

What Happens If You Miss a Payment

If your payment does not arrive by 5 p.m. Eastern Time on your due date, Indigo will charge a late fee and report the late payment to the three credit bureaus (Equifax, Experian, and TransUnion). The late mark will appear on your credit report and will lower your credit score. The amount of the drop depends on your current score and credit history, but a single late payment typically costs 50 to 100 points.

If you realize you have missed a payment, contact Indigo immediately by phone. Explain what happened and ask whether they can waive the late fee. If you have a clean payment history and this is your first late payment, many cardholders report that Indigo will remove the fee as a one-time courtesy. The late mark will still appear on your credit report, but at least you will avoid the extra charge. Do not wait — call within 30 days of the missed due date.

Paying More Than the Minimum

The minimum payment is the smallest amount Indigo will accept to keep your account in good standing. It is usually 1 to 3 percent of your total balance, plus any fees and interest. Paying only the minimum means the rest of your balance carries over to the next month and accrues interest at your card's APR (annual percentage rate). For Indigo cards, APR typically ranges from 19% to 24%, depending on your creditworthiness.

Paying more than the minimum reduces the amount of interest you owe and gets you out of debt faster. If you can afford it, pay the full statement balance each month — this way, no interest accrues at all. If you cannot pay the full balance, pay as much as you can above the minimum. Even an extra $20 or $50 per month will shorten the time it takes to pay off the card and save you money in interest.

Troubleshooting Payment Problems

If your online payment is rejected, the most common reason is insufficient funds in your bank account. Check your bank balance before you try again. If you have enough money but the payment still fails, contact your bank — they may have blocked the transaction as fraud protection. Once your bank clears it, try the payment again through Indigo.

If you submitted a payment but it has not posted to your account after three business days, contact Indigo customer service. Provide your confirmation number and the date you submitted the payment. Indigo can trace the payment and tell you whether it is still processing or whether something went wrong. If the payment was lost, Indigo can resubmit it or credit your account manually. Keep all confirmation numbers and emails until the payment posts.

Frequently Asked Questions

Can I pay my Indigo card with a credit card or debit card?

No. Indigo only accepts payments from a bank account (checking or savings) via ACH transfer, by phone, or by mail. You cannot pay with another credit card or debit card. This is standard for most credit card issuers because accepting credit card payments would create a cash advance, which carries higher fees and interest.

What if I pay early — does it hurt my credit score?

No. Paying early or paying more than once a month does not hurt your credit score. It actually helps, because it lowers your credit utilization ratio (the percentage of your credit limit you are using). A lower utilization ratio improves your score. Pay whenever you can afford to.

Is there a fee for paying my Indigo card?

No. Indigo does not charge a payment fee for any payment method — online, phone, or mail. The only fees you pay are late fees (if you miss a due date) and interest (if you carry a balance). Some banks charge a fee to send an ACH transfer, but Indigo itself does not.

What time does my payment post if I pay online at night?

Payments submitted after 5 p.m. Eastern Time are treated as submitted the next business day. The ACH transfer then takes one to three business days to complete. So a payment submitted at 8 p.m. on a Tuesday will not start processing until Wednesday and may not post until Friday or Monday. Always submit payments by early afternoon if your due date is soon.

Can I get a late fee removed if I call Indigo?

It depends on your history. If you have never missed a payment before and this is your first late fee, many cardholders report that Indigo will waive it as a one-time courtesy. Call within 30 days of the missed due date and ask politely. If you have multiple late payments, Indigo is less likely to remove the fee, but it never hurts to ask.