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 19.64% (V)
CAPITAL BANK CREDIT CARD REVIEWS
i don't usually buy into this idea it really feels so real ,i have a lot of unwanted collections , mortgages ,charged off accounts and unwanted collections on my credit reports causing me a lot of heartbreaks. i have been deprived of many benefits ,it makes my score go down to 420 .i don't know what to do until i came across dejatech007 AT GMAIL . COM,he helped me fixed my credit score perfectly and increase my score to 850s excellently .he is the best credit fixer ever .i'm using this medium to tell everyone with same issues as mine not to miss the good opportunity .am sure when he works for you you will also share the testimony if you appreciate his wonderful works .
,..… show more
so far, I’m loving this card! I opened it because, I had NO credit history. It’s been almost 5 months, and I have not had any problems with this card. Transactions are quickly processed, and payments are quickly processed. My credit score is doing well. I’ve never missed a payment. I always pay in full. I always only use 9% of my card each month to increase my credit score.
i don’t usually buy into this idea until i gave it a trial, all of my life my credit profile was in poor condition and i have a lot of problems with the creditor ,i have been deprive of many things i needed most in my life, i almost ran into bankruptcy i have lost a lot ,untiL i came across dejatech007 AT GMAILDOTCOM ,he helped me fixed my credit profile in days he increased my score from 435 to 802 and also remove all negative items from my report . now i\'m able to get my personal home for myself and my family . my credit profile is now perfect just as i wished ,if you have similar problems get to him. Good luck… show more
Can you do car rental with this card. I am looking for a secured card that helps build my credit plus I want to do car rental until I get my own, thanks. I want a card that will increase my purchase power with creditors.
STAY AWAY FROM THIS CC!
The company was perfectly fine UNTIL they switch to CREDIT WORKS monitoring. Open sky reports at the last business day of every month to all 3 credit bureaus UNTIL October 9 2017. Credit works reported my account as soon as they merged and NOT on the date they were suppose to in return my credit took a hit and they won’t do anything about(BUT GIVE ME THE RUN AROUND)! Im so frustrated with this card and with them switching to credit works they have lost a customer. STAY AWAY FROM THIS COMPANY THEY WILL RUIN YOUR CREDID!!!!!… show more
PLEASE PLEASE DONT GET THIS CARD ITS A RIP-OFF LISTEN ITS YOUR OWN $ you should have to paid any late fees for your shit. They will never contact u and tell u the payment wasn’t acceptable they will make it pass your due date then charge you like $124. 00 plus your payment that’s due.smfh then my credit score suffered ALOT. listen they make $from last fees that they causes by not informing you of your payment status. DONT GET DONT GET YOU CAN GET BETTER… show more
I mean it's been good for what I needed, but the fee's were INSANELY high and when I was ready to cancel there was NOTHING on the website, nor could I reach a real person on the phone. Just another endless circle of useless information. My suggestion - avoid them!
Great starter card to build credit. I got my card in October with $200 down and a credit score of 530 and it's has gone up over 100 points already!!! I have never had any problems. If you make your payment on time every morning month it's rewarding. Opensky reports to your credit report once a month..
I love OpenSky! My credit score has jumped tremendously and couldn’t be more happier!! I’ll keep this card a little longer and hopefully raise my score even more! Keep the utilization low and pay on time is the key! Hopefully I’ll get a credit increase soon and be even more happier!!
This is a good credit building card. I did lots of research after bankruptcy to find a card with fees I could live with and that did not want a fortune in high interest or yearly fees. Open sky was reasonable for a secured cared and I was able to build my credit rather quickly. I have had the card for almost a year now and it has proved to deliver as promised. I can not comment on what it takes to get your credit limit increased or how difficult it may be to close account and get your money back as I have not yet attempted those things. All in all it is as depicted.… show more
QUESTIONS & ANSWERS
Ask a question about Capital Bank Credit Cards
Yes, you can send your payment before the monthly bill is generated.
Your bill will reflect all of purchases and payments made since the last (or any) bill was printed. Payment is generally due 21-25 days after the bill is made available.
You can learn more about how credit card bills work from this guide: http://wallethub.com/edu/paying-credit-card-bills/25558/ . Hope this helps!
Your due date is listed on your monthly statement as well as your online account: https://onlineaccessplus.com/securedcard/# . Furthermore, you should be able to request a due date of your choosing, if you have a hard time remembering your current one. Hope this helps!
You can pay your monthly bill electronically, by check or money order. There are more options for funding your security deposit, however: debit card, check, money order or wire transfer. Hope this helps.
When will it appear on my credit report?
Credit card companies report account information to the credit bureaus on a monthly basis, and new accounts typically show up on your credit reports within 30 to 60 days of approval.
However, it’s possible to improve your credit score in a matter of weeks. For example, you could successfully dispute errors on your credit report, pay down credit card debt, or pay off collections accounts. Each of those steps could remove negative information from your credit report or add some positive info, either of which may benefit your credit score. Simply paying your monthly bills on time will help, too, though a single on-time payment probably won’t improve your score very much. You need to consistently pay on time.
You can learn how long it takes to improve credit here, and if you want a more-personalized credit-improvement forecast, just sign up for a free WalletHub account and check out your Credit Analysis.
For example: $200 each year or quarter?
You can request a credit limit increase at any time by calling OpenSky's customer care team at 267-317-4507. If approved, you’ll receive instructions on how to send the additional security deposit needed to fund the increase to your credit limit. Keep in mind that all credit line increases are subject to underwriting approval. Hope this helps!
If you just got approved, the card should reach you in about 10 business days tops. That being said, you should also let them know you're changing your address. You wouldn't want your statements to get to your old address after you've moved.
Can I build business credit?
The Open SkySecured Visa is a general-consumer credit card that reports monthly account information to the three major consumer/personal credit bureaus: TransUnion, Equifax and Experian. With that being said, using the OpenSky Card responsibly and improving your personal credit standing will also help you get better business credit cards. Given that credit card issuers hold small business owners personally liable for unpaid balances, your personal credit is far more important to business credit card approval than your company’s standing. You can learn more about building business credit here: https://wallethub.com/edu/how-to-build-business-credit/25904/. Hope this helps!
You have the ability to set your own credit limit by choosing your security deposit amount. You can fund your security deposit starting with as little as $200 or as much as $3,000, providing the requested credit limit is approved.
When you close your account out and don’t owe anything
It can take up to 50 business days to get your OpenSky credit card deposit refunded. That is normal for secured card cards since they want to make sure you don't have any auto pays that attempt to charge after closure.
I don’t believe so but you don’t want to let it go dormant either if you do they may cut it off themselves