$37 late fee if that occurs, and $25 additional card fee for an authorized user. $27 if you haven't had an over limit in the 6 prior cycles, $37 otherwise.never heard of this before, as we shouldn't be going over our limits.Only will charge one fee per cycle, but can charge up to 2 more if you remain over limit in future cycles. If you opt in and exceed your credit limit, they MAY cover your charges for you, for a fee. So this card offers something called "over limit" coverage. I have the whole $300 available to me now.So I called customer service to ask why this happened, the woman didn't have a clue, blaming it on system error when I finally confronted her that I had proof that I made the payment on time. And it was subject to a 14 day hold while funds were verified.although that didn't happen to me. So I expected to see a zero balance on Saturday. I received an email confirmation with the time stamped on it well before the cut off time. If I would of been able to have the fee reversed, I would of called to cancel it, since there was no hard pull.I read if you make your payment Monday-Friday before 5PM Pacific time, it will post the same day, which I did. The first year annual fee is non-refundable according to the terms, only the renewal fee of $99 if you tell them within 30 day you are closing the account, so I didn't want to take the chance on a bad mark, so I paid in at their website on a Friday afternoon. I was shocked! I have cards now with limits in the 1000's now.I guess I can use it for a cup a coffee somewhere. Nope, I got the worst tier, and a tiny $300 limit. Surely I thought I would get one of the first two.as I have several no annual fee cards now, and lower annual fees. One with a $0 annual fee, and 23.9% APR, Secondly, a $59 annual fee with a 23.9% APR, and a third for $75 first year, and $99 after that. Another week came, and it arrived in the mail, with the design I chose for free at approval. in about 7 days I got an e mail from them saying the card was on its way. I have been asked that before due to a last name change from getting married, so that was fine. They said I was approved, but didn't tell me the limit or terms yet, but asked me to send in my driver license for verification. I did not receive a hard pull for this card, so that is good. So I thought perhaps a decent line would be given, since I did notice at the application site that there is "NO CREDIT LINE INCREASE PROGRAM AT THIS TIME." After all, I am not just starting out.So I went to the site a went thru the pre-qualification process, which was a soft pull to see if you qualify. I looked around to see what the starting credit line would be.I found $300, $500, or a "your credit limit will be determined once your application is reviewed and approved". I have been rebuilding for a while now, so I fall into that range. I found it is issued by Celtic Bank, and serviced by Genesis Financial Services. But you're seeing this because you're like me and for rebuilding credit its fine I just eat the annual fee and suck it up I'll close it at the 2-3 year mark when my other credit limits are higher.Boobie1998's review: I found this card here at Finance Globe in the cards for "fair" credit category. Is indigo a great credit card for everyday usage? Nope. I've since gotten mission lanes card with a $500 unsecured limit and they give an increase to $1000 at 6 months with annual fee of $59 so I suggest going secured cards-indigo-mission lane, always be on time and don't even use them if you don't have to people will tell you that you have to use 20% but that's a myth you don't HAVE to use it just don't go OVER 20%. They have no app which I don't like but payments can be made online and I've had no problem doing it. Indigo was the first unsecured card I could get with a 300 limit and 75 annual I believe but they are upfront and there were no hidden costs. In a little over a year I went from 415 to 600 by being aggressive with my credit disputes, using self lender and getting as many cards as I could but could only get secured cards. Went through foreclosure and some bad credit decisions young.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |