You cannot freeze your OpenSky card. If your OpenSky card is lost or stolen, you’ll need to call Capital Bank credit card customer service at 1 (800) 859-6412 as soon as possible, so they can cancel the card and send you a new one.
That said, it’s important to remember that you won’t be held responsible for unauthorized purchases, thanks to a $0 fraud liability guarantee.
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.
The OpenSky grace period is 25 days. It’s the time between the close of a billing cycle and when your bill is due. If you pay your bill in full in these 25 days, you won’t be charged with interest.
Keep in mind, though, that grace periods aren’t permanent. You will lose your OpenSky grace period if you don’t pay your balance in full one month. And you’ll need 2 months of payments made in full to get it back.… read full answer
You can cancel your OpenSky credit card by calling their customer service 24/7 at 1-800-859-6412.
You can also do it by sending a mail to:
OpenSky Card Services PO Box 9224 Old Bethpage, NY 11804-9224
Your security deposit will be refunded to you by mail once your account is closed and your balance is paid in full. This process could take up to 6 weeks. But OpenSky could also use your security deposit to pay down your outstanding balance.… read full answer
Keep in mind, that cancelling a credit card could negatively affect your credit score! Most of the time it’s best to just leave it open and unused.
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