Indigo Online Charge: Concora Disputes, Overlimit Fees, Fraud

A charge labeled “Indigo” on your statement is a fee or transaction from the Indigo Mastercard, an unsecured credit card issued by Celtic Bank and serviced by Concora Credit Inc. If you’re looking at an Indigo online charge you don’t recognize, it’s most often one of the card’s built-in fees — the annual fee, a monthly maintenance fee, or a penalty charge — rather than fraud. You can review the detail in your account at myindigocard.com and dispute anything incorrect by calling Concora or writing to the dispute address within 60 days of the statement.

What the Charge Is Probably For

The Indigo Mastercard has a layered fee structure, and the exact combination you pay depends on the issuer’s assessment of your credit at approval. You don’t know your full fee set until the first statement arrives, which is why so many of these charges feel like they came out of nowhere.¹

The usual suspects:

Annual fee. First-year fees run from $75 to as high as $175 or more, and the charge is posted to the account as soon as it’s opened — before you’ve used the card. On a $300 credit line, a $75 annual fee leaves roughly $225 in usable credit from day one.²
Monthly maintenance fee. Some cardholders are billed $12.50 a month starting in the second year, which adds $150 a year on top of the renewal annual fee.³
Late payment, overlimit, and returned payment fees. Each can be up to $41 per occurrence.¹
Credit protection fee. If you enrolled in the optional protection program, it costs $1.49 per $100 of your monthly statement balance. A $500 balance generates a $7.45 charge.⁴
Cash advance fee. The greater of $5 or 5% of the advance, capped at $100.²

The annual fee and the second-year monthly fee are the two charges people most often don’t expect, because neither comes with its own notice beyond what’s in the original terms.

How To See the Detail

Log in at myindigocard.com to view individual charges, check your balance, and make payments. You’ll need to create a login after activating the card.⁵ The same account is accessible through the Concora Credit mobile app on Google Play and the Apple App Store.⁶

One quirk worth knowing: cardholders have reported that payments can take up to 14 business days to post as available credit. If you make a new purchase in that gap, you can push the balance over your limit and trigger an overlimit fee even though you’ve already paid.⁷

How To Dispute a Charge With Concora

Concora Credit handles disputes by phone or mail only. There is no online dispute form.

Dispute line: 1-866-946-9545.⁵
General customer service: 1-800-353-5920, 6 a.m. to 6 p.m. Pacific, Monday through Friday.⁵
Dispute mailing address: Concora Credit, PO Box 4499, Beaverton, OR 97076-4499.²
Lost or stolen card: 1-800-304-3096.⁵

While the investigation is open, you should not be charged for the disputed amount or any interest and fees tied to it, and you can keep using the card for other purchases. If Concora decides the charge was valid, you’ll owe the original amount plus any interest that would have accrued from the original purchase date.⁸ Most disputes are resolved within 90 days.

Your Rights Under the Fair Credit Billing Act

The Fair Credit Billing Act gives you specific protections that apply to the Indigo card the same as any other credit card.⁹

You must send written notice of a billing error within 60 days of the date the first statement containing the error was mailed to you. Use the billing dispute address, not the payment address, and send it by certified mail so you have proof.¹⁰
The issuer has 30 days to acknowledge your written dispute in writing.¹¹
The dispute must be resolved within two complete billing cycles, and no later than 90 days after the issuer receives your notice.¹²
While the investigation is pending, the issuer cannot try to collect the disputed amount, close or restrict the account over it, or report you as delinquent on that specific balance.¹²
Your personal liability for unauthorized credit card charges is capped at $50 by federal law. The Indigo card also carries Mastercard’s Zero Liability protection, which generally removes even that $50 exposure for unauthorized transactions.⁹⁵

If Concora decides against you and you still believe the charge is wrong, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372.¹⁰

If the Charge Is an Overlimit Fee

Overlimit fees are one of the most-questioned charges on Indigo accounts. If you opted in to overlimit coverage, Concora can approve a transaction that pushes you past your credit limit and then charge up to $41 for doing so.³ Federal rules require that overlimit coverage be an affirmative opt-in, with the fee amount disclosed before you agreed. If you don’t remember opting in, you can revoke that election at any time by calling customer service. Revoking stops future overlimit fees but doesn’t reverse ones already posted.¹³

Overlimit fees are easier to trip into on this card than on most, because the annual fee comes out of a small credit line right away. A $300 limit with a $75 annual fee leaves about $225 in real spending room, so even moderate use can bump the balance over the ceiling.

If You Think the Charge Is Fraud

If someone else used your card, your agreement requires you to notify Concora right away. Call the lost/stolen line at 1-800-304-3096 to lock the card and open a fraud investigation. You aren’t responsible for charges Concora determines to be unauthorized.²

The Office of the Comptroller of the Currency recommends several follow-up steps: place a fraud alert on your credit report with Equifax (1-800-525-6285), Experian (1-888-397-3742), or TransUnion (1-800-680-7289); report identity theft to the FTC at IdentityTheft.gov; and file a police report for your records.¹⁴

1
Business Insider. Indigo Card
2
Indigo Card. Terms and Conditions
3
NerdWallet. Indigo Platinum Mastercard
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Yahoo Finance. Concora Credit Card Explainer
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Indigo Card. FAQ
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Concora Credit. Consumer Solutions
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WalletHub. Indigo Credit Card Complaints
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WalletHub. Indigo Card Dispute
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FTC. Using Credit Cards and Disputing Charges
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FTC. Disputing Credit Card Charges
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CFPB. How Do I Dispute a Charge on My Credit Card Bill
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CFPB. Regulation Z, Section 1026.13
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CFPB. Overlimit Fees
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OCC. Credit Card and Debit Card Fraud