The main OpenSky requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also agree to put down a security deposit of $200+ before they can open the account. There’s no minimum credit score requirement, as the OpenSky card is designed for people with bad credit and beginners with little or no borrowing history.
OpenSky Card Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of income to make the monthly minimum payment
Social Security number
$200 security deposit
While the OpenSky card has no minimum credit score requirement, Capital Bank may reject your application if there are serious negative entries on your credit report, such as a pending bankruptcy. In addition, if you apply for the OpenSky card, it’s vital that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
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.
Yes, the OpenSky Visa can be used everywhere Visa credit cards are accepted, including car rental agencies. With that being said, rental companies typically place a hold on your payment account to cover incidentals. So you’ll need to have enough money in your account to cover the hold as well as the initial rental fees. As a result, we recommend contacting the rental company ahead of time to determine how much money to load to your account. You might also want to bring a credit card as backup.… read full answer
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