Why Did I Receive an Indigo Apply Invitation in the Mail?
If you received an Indigo Apply invitation in the mail, you may be wondering why you received the offer. The Indigo Mastercard® program is serviced by Concora Credit Inc. for Celtic Bank, the card issuer.
The Indigo Mastercard® is marketed to consumers with less-than-perfect credit. Receiving a prescreened or pre-approved invitation means you were included in a targeted marketing campaign for the particular offer described in your mailer.
The important thing to understand is that not everyone receives the same offer. The card, credit limit and other terms can vary depending on the particular invitation you receive.
Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you click on a link, when an application is approved, or when an account is opened, we may earn a commission. We are independently owned, and the opinions expressed here are our own.
Why Was I Selected for an Indigo Invitation?
The Indigo Mastercard® program uses targeted marketing to reach consumers who may be a potential fit for particular credit card offers. If you received an invitation, you may have matched the criteria used for that particular mailing.
That doesn't necessarily mean you were selected because of one specific credit score. Credit card companies can use various criteria when determining who receives targeted offers, and those criteria can change.
This is also why two people can receive different Indigo offers. One person may receive an offer for one credit limit or card, while another person may receive a different offer.
What Does an Indigo Apply Invitation Mean?
In simple terms, the invitation means that you have been given an opportunity to apply for the particular Indigo Mastercard® described in your mailer.
If you're interested in the offer, you can follow the instructions included with the invitation. If you're not interested, there's no reason you have to use it.
If you already have the invitation and want to know how to use it, we've put together a separate guide explaining the process:
➤ How to Use Your Indigo Apply Mastercard Offer
Why Did I Receive an Indigo Apply Invitation? Final Thoughts
The invitation is simply a targeted offer for a particular Indigo Mastercard®. The fact that you received one means the marketing criteria for that particular mailing included you, but the invitation itself does not explain every factor used to select recipients.
If the offer interests you, review the information included with your mailer and decide whether the particular card fits what you're looking for.
If you received an Indigo invitation but are having trouble using it, see Indigo Apply Pre-Approved Invitation Not Working or Indigo Apply Pre-Approved Invitation Not Available for help with those specific situations.
If you received an Indigo invitation but ultimately were not approved after applying, that is a different situation. Learn what an Indigo pre-approved invitation not approved decision means and what you can do next.
Indigo® Mastercard® for Less than Perfect Credit
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
- CLICK HERE TO APPLY ONLINE
Indigo® Mastercard® - $1,000 Credit Limit
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
- CLICK HERE TO APPLY ONLINE
Found this guide helpful? Save this for later as you continue your financial journey!
Compare a variety of credit card offers.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.