Maria Adams, Credit Cards Moderator
@m_adams
To contact the OpenSky Card reconsideration line, call (800) 859-6412. When prompted to enter your credit card number, press “#” and you will be connected to a live representative.
The OpenSky Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of OpenSky, the reconsideration line is the same as the general customer service number.
What to Do Before Asking OpenSky Card Reconsideration
If you call to request reconsideration from the issuer, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
OpenSky® Secured Visa® Credit Card
People also ask
How long does it take to get approved for the OpenSky credit card?
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 answerHow long is the OpenSky grace period?
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...
read full answerHow do I ask creditors to reconsider a denied application?
Don't worry! Call or write asking for a reconsideration! Denials are often computer generated based strictly on score. A manual review by an underwriter can often get you the approval you are looking for. Here are several suggestions:
1. Call the number on your denial letter and ask for your application to be reconsidered. If possible, try and get a hold of someone in underwriting. Be prepared to explain the derogs on your report and...
read full answerDid we answer your question?