How to Cancel an Indigo Credit Card: Step-by-Step


Canceling your Indigo credit card requires you to reach out to the Indigo customer service team. We’ll give you the contact information to help you do this. 

Jump ahead to these sections:

We’ve also scoured the fine print of the cardholder agreement to see if there is anything else that you need to be aware of regarding the cancellation of your card.

How to Cancel Your Own Indigo Credit Card

Are you ready to cancel your Indigo credit card and start paying for everything with cash or your debit card? We would love to help you do this. Here are the steps for completing this process.

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Step 1: Contact Indigo customer service. 

The phone number for Indigo customer service is 866-946-9545. Unfortunately, the customer service hours aren’t listed on the website. 

It seems as if calling is the only method for reaching the Indigo customer service department. Unfortunately, there’s no chat feature available on the general website, although you might discover one if you log into your account.

Step 2: Return your Indigo credit cards to the company.

According to the fine print on the website, “The closure of Account will not become effective until you have returned to us all of the Cards we have given you.” Unfortunately, the cardholder agreement doesn’t give specific instructions for returning the cards, but we found the company’s correspondence address, which may be the one you use.

Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477

Step 3: Stop using the card.

The cardholder agreement says that users need to stop using the Indigo card after canceling it. You are also required to cancel all automatic billing arrangements on the account because the company won’t do that for you. 

The contract you sign has additional wording that makes it abundantly clear that if you continue to use the card after “canceling it” with the company, “You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended.”

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How to Cancel a Deceased Loved One’s Indigo Credit Card

We would like to extend our sympathies if you recently lost a loved one. We know that you are probably overwhelmed with all there is to do after a person dies, which is why our website provides a helpful checklist for families of the deceased. 

Typically, if you hire a full-service funeral home to help you with your loved one’s services, a staff member will notify the Social Security Administration about the death of your family member. That organization then notifies the main credit agencies. Your loved one’s social security number is then flagged so that no one can open a new account in their name.

Even though your loved one’s social security number can’t be used to open new accounts, it is up to the survivors to notify the specific companies that the deceased interacted with during life about the death.

Some of those account closures can be done without too much fuss. For example, if your loved one’s streaming services account is accessible through their password manager, you can simply navigate to the customer service menu to cancel services. 

Of course, if your loved one had a credit card (or several), you will need to go through a more formal process of closing accounts. Many of these tasks require having physical copies of the death certificate, which the funeral home staff should help you obtain.

Part of the duties of the estate executor is to pay off the debts of the deceased using the assets of the estate. This typically needs to be done before the accounts are closed. 

The process of paying off your loved one’s debts, distributing the assets, and closing the estate may take months. To begin the process of closing your loved one’s Indigo credit card account, contact their customer service department and follow the instructions given by the team member. 

Step 1: Call the Indigo customer service department. 

The phone number for Indigo customer service is 866-946-9545. Unfortunately, the customer service hours aren’t listed on the website. 

Step 2: Follow the instructions of the customer service department.

You may have to return your loved one’s credit card to the company using this mailing address:

Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477

Canceling your loved one’s credit card may be a simple process if there was no balance on the account and there weren’t any automated charges occurring on it each month. However, if there was a balance on the account, a co-owner on the account, or an authorized user, you may have to go through additional steps to close the account. For example, a joint cardholder may have to close the current account and apply for a new one. 

Frequently Asked Questions: Canceling an Indigo Credit Card

Do you have other questions about closing an Indigo credit card account? Here are your answers. 

It is worth noting that the company may close or suspend your account at any time for any reason “permitted by law” with or without advanced notice.  

How can you remove an authorized user on your Indigo card?

According to the legalese found on the Indigo website, if you have a joint account and want to remove one of the names from the account, you must send a written request signed by both cardholders and return the cards to the company. 

If there is a balance on the account, neither party can be released from this financial obligation for the balance unless Indigo agrees to the arrangement in writing. In some cases, you might need to reapply for a new card to go from a joint account to an individual account. 

If you have an authorized user on your account that you wish to remove, you must contact the customer service department and request their removal. This may not happen immediately, as the company asks for a “reasonable amount of time” to process it. 

You also must immediately destroy all cards in their possession and cancel all of the automatic billing arrangements assigned to the account. Of course, any charges that occur during this processing time will need to be paid by you.

An authorized user may remove themselves from your account upon their request. However, the company also states that this authorized user can be removed by them “for any reason.” In some cases, Indigo may close your existing account and issue a new card with a new account number to the account owner.

Is there a fee or a penalty to cancel your Indigo card?

Indigo charges an annual fee. Here’s how it works:

You’ll be charged an initial fee of $125 when you open your account. The renewal fee of $125 will be charged on or near the anniversary of that date. The initial annual fee is nonrefundable. However, the yearly renewal fee may not be charged if you notify the company within 30 days from the mailing date of the billing statement or other communication containing the renewal annual fee notice. 

So, no, there isn’t a fee or penalty to cancel your Indigo card. However, if you don’t cancel it within 11 months of opening the account, you may be charged $125. 

Let Us Help

Our goal is to provide helpful resources for our readers. We hope this article helped you close your Indigo account—regardless of the reason or the situation. 

If you recently lost a loved one, you might be overwhelmed with a long list of to-do items. Getting through this list might be especially difficult if you recently experienced a traumatic loss. Please consider using the resources offered by Cake on funeral planning, estate management, and loss and grief issues. You might be especially interested in our post-loss checklist

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