Concora Credit
Formerly Genesis FS Card Services, Concora services the Indigo, Milestone and Destiny Mastercards through partner banks. All three are effectively one deep-subprime product with fee schedules that can reach $175 in year one plus monthly fees afterward. They exist for unsecured approval after serious credit damage, and almost any secured card is cheaper.
Application Rules
- ▸Soft-pull pre-qualification shows your assigned fee tier before a hard inquiry
- ▸Holding more than one card in the Indigo, Milestone, Destiny family adds fees without adding much credit benefit
- ▸Credit limits are small and fixed; do not expect meaningful credit line increases
Tracked Concora Credit Cards
Indigo MastercardConcora Credit
Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.
Special bonusAF: $175Rating: 3.2/10
Milestone MastercardConcora Credit
The Indigo's twin, with the same heavy fees under a different name.
Special bonusAF: $175Rating: 3.0/10
Destiny MastercardConcora Credit
The third card in the Concora trio, with the same fees and the same warning label.
Special bonusAF: $175Rating: 3.0/10