Capital Bank Credit Cards
Please find below 1 credit cards offered by Capital Bank. Use the filters to refine or expand your credit card search.
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- Secured Credit Card Min Deposit of $200
- Annual Fee $35
- Monthly Fee None
- One-time Fees None
- Regular Rate 19.14% (V)
CAPITAL BANK CREDIT CARD REVIEWS
Not the best card, but it gets the job done. My credit was a 485 in April 2018. I used opensky to help build my credit. I paid my balances in full for 2 months and my score shot up 80 pts! I qualified for better, unsecured, cards and my credit score is increasing month over month. I will potentially close this account when my score gets to 699 and I get my deposit back. I only have 45 more points to go ??????… read more
September 27, 2018
My payment due date on this card is the 10th of each month. I made a payment on July 25th. I waited and waited and the due date was approaching and the payment wasn’t yet applied to my account. Finally on the 10th of August my payment was applied right on time. Then I waited for my available credit to be updated. It took literally 3 weeks for this whole process between processing the payment and updating my available credit! By August 20th around there, my available credit was updated. I really want to cancel this card. I never seen a credit card company take this long to process a payment and update your account. Literally almost a month! It’s ridiculous! I would have kept this card if it wasn’t for the delay payment processing they have going on. Overall it would’ve been a great card aside from this.… read more
Depending on when you make your payment you could wait for up to 8 days to have available credit. They take 5 business days to process payments over $50. So if you’re depending on the funds to process like any other card I would look else where.
Dont believe the idiots writing bad reviews for Opensky!!! I am a born complainer and i hate pretty much everything, but one thing i love is my Opensky card. I only paid $200 to have it opened. At first i was skeptical that it would help my credit but thought for $200 it was worth the risk. I chose Opensky over thr other cheap secured cards because it had the best terms and conditions, and no crazy stuff like the other companies. I got it and started using the card once a month, the tip is to NEVER charge more than $35 to the card or your credit rating will go down a pretty significant number. I made that mistake when i first got it and racked up nearly $100 on it and my score went down 52 points. I paid that off quickly after i saw my score dropped and for the past 4 months ive kept it at no higher than $35, and paid the minimum $25 every month. They offer an automatic payment option which will take the money out of your bank account on the due date which is great for people like me that is very forgetful. Over a total of 5 months, my credit score has gone from 514 to 652. This card is the best option you can go with if you want to rebuild ur credit, if youre thinking about it dont hesitate go to their site and get one right now!!!… read more
Worst customer service EVER!!!! How can you not see what a previous agent told a customer when I quote,” you say all calls are monitored and recorded”. Never received my original card which was mailed on July 25 and here it is August 8 and still no card. Spoke to a manager yesterday August 7 about not getting the card and she assured me she could order a new one and have it sent via FrdEx in 2 business days(Thursday) and told me to call back the next day(Wednesday) for the tracking number. Upon calling I was told it would take a day to close the account and would not get the card until Friday and to call back tomorrow for the tracking number. No one at this place has any idea on what to do and how to do it. Closing my account if the card is not here but Friday, will be doing an update.… read more
This card is horrible! It stated I owed $160, so to get it paid off and be done, I sent in the exact amount, but my card was never paid off! I haven't used this card in over 6 months, but yet I'm still paying on it, how? I have a $200 credit line, but yet I have paid over $600 and it's still holds a balance! Idk what to do!?
These are Professional Thieves. This is the worst credit card company ever, if there was a zero that would be my rating for them. They'll make sure they steal from you in one way or the other.
If not false charges, its interest fee or late payment fee even if you're not late or some mailing statement fee. Just to make sure they get some money from you. If you see them--- One word---RUN !!!
Horrible experience with this company! Terrible customer service! Huge waste of time...so frustrated! They wouldn't process my payment and wouldn't give an explanation as to why, there was more than enough money in the bank and my bank said they "pinged" (whatever that means) them for the charge and it was approved yet they didn't take the money. then when I called the customer service line they wanted me to mail...yeah MAIL them a check and refused to take the payment from my debit card over the phone.… read more
This thing and this company that issues it is pure trash. Sure you get an instant boost to your credit score. Then you use the thing.
They are so slow at processing payments that my magic boost in credit score was eradicated by a very quick report that I was over limit ( due to the very slow payment process and a $3 paper fee). I have consistently paid to keep the balance as close to zero as possible, but it takes 5 full business days for them to do anything.
Customer service is atrocious. I regret opening this thing. Do yourself a favor and take the higher interest rate option with the legitimate banks Capital One or Chase. These people that run Open Sky are terrible in every way imaginable.
Oh and since they are so slow to process payments to make absolutely sure you have a balance they will only take four payments during a 30 day period. Who issues credit secured or not and doesn\'t want repayment?
This thing is not worth the time or effort.… read more
Update: My card came on 6/5 and I set up my bank account for the payment draft. I paid the $35 fee in full and I saw a disclaimer that said that payments could take up to seven business days to post. I’ll be paying my Netflix account each month with this card and will pay the card balance in full each month. I haven’t had an occassion to contact customer service yet so I can’t comment on that but my credit score did go up 15 points on Transunion and 14 points on Equifax. I need to check my Experian score to see if has benefited from being approved for this card. So far, so good! ??????
I just applied for this card about an hour ago. The application process was seamless and about 15 minutes after I applied, I received two confirmation emails letting me know that the card would be delieved in 7 to 10 days and that my $300 deposit has been drafted from my bank account. I saw that they had a $35 annual fee up front and saw the interest rate was 18.99% (and I think that I saw a 3% cash advance fee or something to that effect). I read through all of the terms and conditions and didn\'t see any hidden fees or the like. My plan is to set up my Netflix and Hulu payment to come out of this card for the next 8 to 12 months and once my credit score improves (currently 562 Transunion, 594 Equifax, and 594 Experian) I will consider applying for an unsecured card with Discover or some other company. The only real negative that I see with this card is that it takes up to 14 days for payments to post so I will make sure that I am very strategic regarding when my payments are drafted from my bank account in relation to when Hulu and Netflix takes their fees. Overall, I\'m not expecting more than this card to help me repair / build my credit. Use it responsibly folks and it ought to do what you need it to do.… read more… read more
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