Concora Credit

• Free

Last verified 31 Jul 2026

3.0 1412 ratings · App Store

1. 3/5Credit Card & App Complaint

   It’s alright, I guess. The app is so simple which people may like but I wish they had more things I could tinker with. It charged me a $60 annual fee when I first opened the account.. I had no idea it had an annual fee when I first applied. Never in my right mind would I buy myself a credit card when I could just apply for a secured credit card. If I was going to get approved for this then I would have tried a different card. Wish I’d noticed the annual fee when I was applying cause I don’t like paying them money that I don’t receive back. I’m not okay with this. I feel like I’ve been robbed. Not much to do on the app but see credit score, get the available balance, available credit, make a payment. I don’t like simple I prefer a more in depth credit card app. SMH.. Not even sure which bank they use cause I couldn’t find it anywhere on the app. I hope I made the right decision because if not I’m down -$60 in the hole. Someone help! Overall the app is looks very cheap and super old school looking. Y’all could have tried a little harder. Would not recommend because it has too many faults!

   Credit File · 31 Jul 2026

2. 5/5Great for multiple cards and rebuilding credit

   I saw a lot of negative reviews, however I have two cards with the company, and no issues so far and no issues with the app. I got Milestone and indigo for rebuilding my poor credit score up and it’s been greatly improving. Yes, there are fees, but only if you don’t pay on time, do cash advances, and that’s all in the fine print when applying so make sure to read that to know what you’re getting. There is also a fee if you do an express debit card payment, but if have payment directly taken from bank account there is none. I’ve done it multiple ways and each post very fast. Debit payment is same day whereas bank account payment has been 1-2 days before posting. You can setup autopay with amounts of your choice like pay min balance only, full balance or other of your choice or do manual payments. Been able to cancel payments, edit payments, and use app with no problems. If you ever do have problem or hard time finding features, you can also login desktop website. I also expected higher interest rates because of my poor credit score, but also this is only company that approved me for two lines of each being 1k even with poor score which I appreciate in having and working on improving my score again. Use wisely if you’re rebuilding and I suggest paying off full balance monthly to have less interest build up each month and try to aim for less than or 30% utilization of your overall credit limit to build credit.

   Ashley’s Word · 31 Jul 2026

3. 5/5New to indigo card

   UPDATED REVIEW ( Thanks for a actual reply changing my rating to a 5 star why ? Because after my feedback CONCORA CREDIT took the time to read and reply which shows me they are listening to their card holders feedback which is a good start & will help the future of this app & their cards & products going forward… Hello so I have seen reviews on Celtic bank about how indigo card didn’t have any app , so I m glad you guys finally got one up for it , I don’t have my card yet but I will say I’ve logged in a few times to check the app out , I have other cards with fully functioning apps , this one is on its way I’ll say that but please you there is so much you need to add , biometric log in , or pin log in having to use a password every time is a pain , I noticed no document center with info needed that needs added only basic stuff shows (again it’s better then nothing ) but if you want customers to stay they need to feel safe & valued able to see finances & a functioning help center possible chat option card holders don’t want to feel sub prime . This card has potential above others in its class . If you take the time to invest in card holders more will apply. Other then that im just super happy there is at least a functional app ( bare bones ). But there ! Here’s hoping updates help bring it to life .

   LithiumSacrifice · 31 Jul 2026

4. 1/5Rip off interest rates and yearly fee make it 50+ percent interest to use your card

   This company handles milestone and a couple other cards and I know they weigh the yearly fee because of actually listen to them do it for other customers that introduce me to the company, but then I call because I do the math and with my yearly rate in my interest rate because I’m rebuilding my credit. Depending on which card I’m at I’m paying anywhere from 40 to 50+ percent interest essentially to use their cards and they’re not worth it. There are plenty of other cards that do charge you an interest in a yearly fee and they’ll charge you $48 a year instead of 125 or 200 or whatever and they will up your credit you know I’ve been with them over a year never had a late payment always pay more than the minimum amount due and they still don’t wanna up your credit not after six months not after a year nothing but other companies will do it after three and I’ve got nine cards now and this company has happen to be the company I started with and milestone is the first one I started with. I still have a $300 limit with them that’s all they will give me even though I’ve got other companies have given me thousands of dollars with half the interest rate. Car loans that $50,000 at 3% interest rate from car dealerships. This company is just a flat out scam or they’re not training their employees properly either way if you can avoid it go with a different company.

   Donnajoe312231 · 31 Jul 2026

5. 1/5Do not use this company

   This company approves me for a $700 credit line I activated the card try to make their annual payment was unable to. I called customer service and spoke to a supervisor they both said. That the demographics had changed when I applied for the card. They required a residential address, but I put my mailing address is different. The demographics didn’t change. It’s in the same state. My PO Box is 3 miles from my residential address. I pulled a hard credit on my credit file. And deactivated the card five days after approving it I would highly suggest that no one use any of their products. In their lineup of credit cards, not only will they damage your credit by hard credit pull then they come up with some crazy statements of demographic change email changes and none of these were true. They said they did this to prevent fraudulent activity. When they pull your credit file, your phone number is on the credit file. you haven’t even received the card your demographics have not changed nor your emails have changed when I go on the app. All the information is correct. I please please warn who is attempting to use this company to stay very very very far away from them tomorrow, I’ll be contacting the governor of Mississippi who is a family member who will get me in touch with the Attorney General for these type predatory credit practices, this company involves itself in on closing if you try these companies this company I promise you you will be severely disappointed, never in my entire life have I been treated like this by credit card company. They are possibly a class action lawsuit in the waiting customer service is no good. Supervisors are no good. Please head this war.

   JMSACCT1 · 31 Jul 2026

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