Unfortunately, there is more than one problem I have had with this company. I applied on line and was approved, but didn't like the $59 fee. So I decided to cancel the card. But the card came in the mail anyway. I called their number that came with the card, and the woman said I would have to call another number. When I called that other number, it was answer with "This is _____" a woman's name, as if it was a personal call. I called again and it was indeed the right number the representative had given me. So I listened through the message of the number I was referred to, and was told to leave a message. So I did, stating that I had gotten the card and would she just please cancel it? And I would cut up my card and send it back.
But several days later I got a statement in the mail. It had already been applied that annual fee to that card, so now I was stating with a balance due. I had not destroyed the card yet, and the woman had never called me back. So I decided to just go ahead and keep the card for a while, make a few purchases, and pay it off, then cancel it. I paid first bill, 1 and 1/2 times above the minimum payment, and sort of forgot about it. Then, when I was overseas, I ran into an emergency situation where I did not have enough money to pay for a hotel room I had reserved. Then I remembered I had plenty of balance on the Indigo card. I presented that card, but the hotel clerk said it was denied! How could it be denied? I had more than enough credit to cover the room, and incidentals. I had to have a friend drive an hour and a half and pay the hotel bill for me. When I went on-line, I saw that indeed I had enough balance I could have used. but when I called customer service, I got a recording that no one was available to talk to me at this time, and to call back later. So I called the Lost or Stolen Card number, and got the same recording. I have tried calling again and again. To this day I have not been able to reach a live person--except for that first call and that live person just referred me to another number and I was never able to reach anybody again after that.