Your OpenSky approval odds are pretty good as long as you aren’t carrying too much debt and you don’t have major red flags such as an ongoing bankruptcy on your credit report. You’ll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn’t hold you back.
The OpenSky can help cardholders build or rebuild their credit scores. But before applying for the OpenSky, you should compare it to the other credit cards for bad credit that are currently on the market, to make sure you find the right fit.
It usually takes 24-48 hours to get approved for the OpenSky credit card. So, the only thing that involves a bit more waiting is your credit card delivery, which should take about 2 weeks.
Of course, application processing will take longer if they're not able to verify your identity right away. In this case, they will send you an email and your responsiveness will ultimately determine the timing of receipt of your credit card.… read full answer
You can get a OpenSky credit limit increase by requesting it through your online account and if approved, adding more funds to your security deposit. OpenSky does give credit limit increases, but you must request them.
No, the OpenSky card does not do a hard pull on your credit report. In fact, OpenSky does not perform any credit checks. OpenSky is a secured credit card designed for those looking to rebuild their credit, so it is available to applicants with bad or no credit.
OpenSky requires a minimum security deposit of $200. Your refundable security deposit also acts as your credit limit.… read full answer
You can submit an application online. You will need to provide personal information and contact details, along with financial and security information such as your total annual income, monthly housing payments, and Social Security Number. Lastly, you will need the details for the card used to fund your refundable security deposit.
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