Hello. I want to tell you that the Indigo card does not require a deposit. Instead, you gain access to a revolving line of credit, from which an annual fee is deducted if your history does not qualify you for the card without an annual fee. As with the secured card, your Indigo card activity is reported to major credit bureaus. When you apply for a loan from their website indigo-card.pissedconsumer.com you will indeed be offered three different Indigo cards. Which one you apply for depends on your creditworthiness, as it can cost $ 75 in the first year and $ 99 thereafter. The fees you pay, as well as whether you are eligible for the card, according to Indigo, depends on an analysis of your income and debt.