Accepted Credit Scores
Limited History, Bad Credit
OpenSky® Secured Visa® Credit Card
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APRs |
REVIEWS |
Q&A
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CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-859-6412
-
Issuer's Online Account Management
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-859-6412
-
Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
June 18, 2021
Review: OpenSky® Secured Visa® Credit Card
The OpenSky Credit Card is a good choice for people with a bad credit score who want high approval odds more than they want rewards. There is no credit check for new applicants, and the OpenSky Card’s main benefit is the opportunity to build credit at a reasonable cost, considering the card’s $35 annual fee.
Without a credit check, the OpenSky Card’s main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with monthly bill payments.
Below, you can find additional information to help you make up your mind about applying for the OpenSky Secured Visa.
For more help finding the best credit card to rebuild your credit, plus specific credit-improvement advice, sign up for a free WalletHub account. You can also track your progress with free credit scores and reports.
Without a credit check, the OpenSky Card’s main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with monthly bill payments.
Below, you can find additional information to help you make up your mind about applying for the OpenSky Secured Visa.
OpenSky Secured Credit Card Review Highlights
No credit check is great news for credit-rebuilders
Nearly all credit cards – including secured cards – require a credit check and have certain approval criteria that applicants must meet. For example, it can be difficult to get many secured cards if you have a recent bankruptcy or tax lien on your record. But that’s not the case with the OpenSky Credit Card. OpenSky simply needs to verify your identity. This saves you from a hard credit inquiry that could temporarily lower your credit score, while enabling you to begin adding positive information to your credit reports as soon as possible.$200 minimum security deposit
The OpenSky Visa is a secured credit card, which means you will be required to place a refundable security deposit, the amount of which will act as your credit limit. This limits the issuer’s risk, giving applicants higher approval odds and fairly low fees. At $200, OpenSky’s required security deposit is lower than that of most secured cards.$35 annual fee isn’t cheap or expensive
OpenSky’s annual fee is about average for a secured card, according to WalletHub data. So it isn’t necessarily a deal-breaker. But there are some secured cards with no annual fee, which you should definitely check out if your credit isn’t too severely damaged.There are more fees to watch out for
The OpenSky Secured Credit Card charges a 3% foreign-transaction fee.Average APR, but financing still isn’t wise
Carrying a balance from month to month with a secured card doesn’t make much sense because it’s basically the equivalent of charging yourself for a loan. But if you’re unable to pay your bill in full during a given month, your balance will accrue interest at a 17.39% (V), which is about what the average secured card charges, according to WalletHub’s latest Credit Card Landscape Report.For more help finding the best credit card to rebuild your credit, plus specific credit-improvement advice, sign up for a free WalletHub account. You can also track your progress with free credit scores and reports.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
June 18, 2021
OpenSky® Secured Visa® Credit Card's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| None |
| ANNUAL FEE
|
| $35 |
| MONTHLY FEE
|
| None |
| REGULAR RATE
|
|---|
| 17.39% (V) |
| GRACE PERIOD
|
| 25 days |
OpenSky® Secured Visa® Credit Card's Highlights
| No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. |
| The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. |
| Build credit quickly. OpenSky reports to all 3 major credit bureaus. |
| 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months. |
| We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.) |
| *View our Cardholder Agreement located at the bottom of the application page for details of the card |
OpenSky® Secured Visa® Credit Card's Additional Info
| MAX LATE FEE
|
$38 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| FOREIGN TRANSACTION FEE
|
3% |
| SMART CHIP
|
Yes, chip-and-signature |
-
CASH ADVANCE APR
17.39% (V)
-
CASH ADVANCE FEE
5% (min $6)
- Last updated on 6/18/2021
at Capital Bank's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about OpenSky® Secured Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
How long does it take to get approved for the OpenSky credit card? Reply 12votes6votes
Evelyn Boros
@evelyn_boros
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.
12
Upvotes
How long will it take for an OpenSky credit card to show a difference in my credit score? Reply 14votes8votes
WalletHub
@WalletHub
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.
14
Upvotes
What's the OpenSky phone number for customer service? Reply 6votes3votes
Peter Fox
@PeterFox
The OpenSky phone number for customer service is (800) 859-6412.
You could also contact them via OpenSky's mobile app for iOS and Android.
In case you prefer communication via mail, you can send any correspondence, billing disputes and general questions to:
OpenSky Card Services
PO Box 9224
Old Bethpage, NY 11804-9224
6
Upvotes
How can I get an Opensky credit limit increase? Reply 3votes1votes
WalletHub
@WalletHub
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.
Here’s how to get a OpenSky credit limit increase:
- Log in to your OpenSky online account.
- Choose the "Request Credit Line Increase" option in the "Account Services" section.
- Submit your request.
- If approved, you’ll receive an approval letter with instructions on how to add to your security deposit in order to increase your credit limit.
You can also call the OpenSky customer service department at (800) 859-6412 for more information and eligibility criteria for credit limit increases.
3
Upvotes
Does OpenSky do a hard pull? Reply 7votes2votes
HECTOR MOLINA
@hectormolina
No, the OpenSky Credit Card does not do a hard pull. It is available to applicants with bad or no credit.
Furthermore, it comes with no credit check for new applicants, meaning there is no hard inquiry into your credit history when you apply.
You can submit an application online.
7
Upvotes
Is OpenSky a major credit card? Reply 3votes3votes
Fred Lincoln
@fred_lincoln
The OpenSky Secured card is considered a major credit card. But while the card is one of the more famous ones for getting your score up or just established, Capital Bank isn't exactly Discover.
I guess it's a medium? Credit union cards would be the small ones, so this one is definitely much better than that as far as exposure goes. But it is a Visa card, which means it's on one of the most major card networks.
3
Upvotes
Can you rent a car with an OpenSky credit card? Reply 28votes22votes
WalletHub
@WalletHub
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.
28
Upvotes
How long does it take to get the OpenSky card in the mail? Reply 59votes46votes
WalletHub
@WalletHub
Once your application has been approved and your security deposit has been received and cleared, you can expect to receive your card within 2 weeks. Once you receive and activate your card, you’ll be able to begin using it immediately.
59
Upvotes
How can I get a cash advance with my Opensky credit card? Reply 1votes4votes
James Bronzz
@jbronz
You can use your OpenSky Visa card to get a cash advance at any ATM that accepts Visa, which is pretty much any ATM in the world.
However, cash advances are extremely expensive, as you will be charged a cash advance fee of 5% (min. $6) and interest that starts piling up immediately at a variable rate of 19.14%, so you may want to look into alternatives.
1
Upvote
How do I make an OpenSky Credit Card payment? Reply 8votes3votes
Bogdan Roberts
@bogdan_roberts
You can make OpenSky payments by signing up for Auto-Pay through your online account or via the OpenSky mobile app, both on iOS and Android devices. Just select the "Payment Services" tab and from the drop-down menu you have the option to set up one-time or recurring online payments by linking your bank account to your OpenSky. You can also make payments by mail or calling OpenSky customer service at (800) 859-6412.
Here's how to make an OpenSky payment:
- Online: Log in to your online account and select the "Payment Services" tab. From the drop-down menu, you'll have the option to link a bank account and set up recurring or one-time payments.
- By phone: Simply call (800) 859-6412 and make a payment through the automated system. Payments made through the automated phone system are free, but if you choose to make a payment through a customer service agent, there will be a $10 fee.
-
Mail: Send a check along with the remittance slip that is included in your monthly billing statement to the following address:
OpenSky Card Services
P.O. Box 660924
Dallas, TX 75266-0924
8
Upvotes
OpenSky® Secured Visa® Credit Card Video Review
OpenSky® Secured Visa® Credit Card Reviews
Share your insights and review the OpenSky® Secured Visa® Credit Card.
Jun 18, 2021
This is a good starter credit card l! I know that I don’t have to worry about going over because it is essentially my own money that is in the card!!!
Comment
Jun 16, 2021
Easy to get approved. I have received first Statement and there is no "paper statement" charge of $3.00 a month as some have said. Easy website to view and pay bills, and you can sign up for email reminder when Statement is prepared.
Jun 14, 2021
It's good, great for credit improving credit score, it went up 154 in less than six months, thankful for this card I couldn't have got it at a better time
Jun 13, 2021
Great way to improve credit. I increased my credit score by 60 points in less that 2 months. Recommend for anyone that has no credit!
Jun 11, 2021
I would like to have the unsecured it doesn't help when you try to save money and build credit if u have to deposit 1000 to get a line for 1000 it only makes it harder companies should look into accounts and then make a judgement not completely based of a credit number that's not completely up to date ever !
Jun 06, 2021
OpenSky/Capital Bank -- Thank You for reversing a 20 point drop in my credit which happened when I paid an old bill. Paying an old bill during CoVid during a 4 year legal battle with lots of traveling should only increase score, not drop it.
May 23, 2021
Great credit builder card for people with bad credit trying to rebuild!! Only downside is the $35 annual fee. As long as you use responsibly and keep utilization at 10% or below and always pay your balance in full!! Your credit score will shoot up in no time!!!
05/24/21
what company was this pls ? i'm trying to raise my credit score ahead of a mortgage loan later this year.
05/24/21
may i know about this repair company ? I'm trying to get my credit score up for a mortgage loan hopefully this year.
05/24/21
Did a lot of help for me on my rebuild journey. Got a great repair company to help too.
May 20, 2021
Everything about them is deplorable. They charge a paper statement fee and then do not mail statements. They charged a 25.00 late fee for a 35.00 balance, after not sending statements. No statement from them ever. Used the card once but paid it off after the second late fee. Meanwhile it will be 8 to 10 weeks before I get my deposit back. Avoid them if you can.
May 19, 2021
Good starter card, and can really help build your credit score quickly and with ease. I love the ability to pay your balance early and online
May 19, 2021
I applied for this credit card on may 16th online funded the $500.00 they kept requesting information to verfiy my identy each time something was wrong finally found their customer service number online and was told that I was denied due to they are having problems with their system and I could not reapply until 30days and it will take 10day to see my 500.00 refunded to me and if I don't I have to contact my bank and dispute the charges, their website is impossible to navigate with a smartphone, hard to upload documents, was recommended that I drive to a staples and fax documents for approval. "NO THANK YOU" Why would anyone want to deal with a company and its problems.… show more
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May 13, 2021
I tried to close my account. First, you have to wait an hour for customer service to answer because you can't close an account online. Then they say it will take TEN WEEKS to refund your security deposit. There is no earthly reason it should take that long.
May 04, 2021
Nothing is good about this card. The customer service is terrible, if you want to talk to someone you're gonna be on the phone with robots for 15 minutes minimum. You want to get your pin? no email no text, you wait 7-10 days for it to come in SNAIL MAIL. You want to get online access? Don't forget that pass, you mess it up you're on the phone with customer service to get it unlocked. You get a little mad about being on the phone for 30 minutes just to talk to an Indian call center? Too bad they'll hang up you gotta do the whole thing again. Get literally any other secured card. You do not want this one.… show more
Jun 10, 2021
I have this card paying a monthly bill. So far it hasn't shown up on my account even though I've been paying my bill. Guess I'm not in their system yet. Should start showing next month.
Apr 21, 2021
Love this card it was worth the wait so far on getting it in less then 2 months I’m almost at a credit score of 700 love this card plan to keep it
Apr 18, 2021
Thanks for all the HELP
It’s amazing with this card can do for you Trust me just try it Know how to use your card wisely will help you in the long run and get you a way better credit score with any other card
It’s amazing with this card can do for you Trust me just try it Know how to use your card wisely will help you in the long run and get you a way better credit score with any other card
Apr 16, 2021
Verified Customer
It’s a wonderful card if you would like to reestablish credit as long as you keep your utilization low, I make a couple of payments monthly to show use
Apr 14, 2021
Verified Customer
Great way for building credit quickly with on time payments! You are also able to have a limit raise in no time flat... I requested one after another. Both were approved..
Apr 12, 2021
Everything was upfront, fees are reasonable, and I was accepted with a 1k deposit despite having been denied for secured cards from major banks because my baddies were too fresh. Came in 9 days, in time for a trip where I needed it for car rentals. Real happy about that! It even comes across as an airline reward cards, unlike a Chime or Greendot credit card- and works overseas unlike them. No looking like a bum... Website isn't as polished as some banks, but it works fine. They do hold your payment for 5 business days. They clearly inform you this. It protects them from retuned/disputed payments. If this is an issue, consider a larger deposit. Likewise for international car rentals, that's why mine is so high. It took a while to report, went from low 500s to low 600s. Already have a Cap One $300 unsecured and qualified for a CU secured rewards card that converts. After my baddies age off, I'll be good for a VA loan. Thanks to OpenSky.… show more
Apr 11, 2021
Verified Customer
A great credit builder that is easy to apply for, received in good timing, and very easy to maintain. I am very glad I signed on with this company.
Mar 30, 2021
Verified Customer
This is an awesome opportunity for me to be able to have one of your credit cards! I am so grateful to be able to get my credit score up to where it needs to be. Plus helps me so much at this time of year! Thanks Opensky****Update**** Thanks for all your help with helping me to progress and grow with advancement on my credit building...Thank Alot
Mar 29, 2021
Really like the OpenSky Card. Customer service has been helpful, and no credit check required when I opened the account. They did need to verify my identity and my home address (as any bank would!). The card has worked great and I've had it for 16 months. Payments are credited quickly when you pay online. Almost ready to go on to an unsecured card in a few months, but will keep this one for a while as Capital Bank/Open Sky has been good to me and I want the card history to keep going.… show more
Mar 26, 2021
Verified Customer
OpenSky has been responsive to inquiries and posts payments within 3 days. They also offer tips on their Facebook page and other cardholders offer advice, as well.
Mar 18, 2021
Verified Customer
Glad I got this card raised my score considerable from a low score of under 600 to over 700 within almost a year in April very happy.
Mar 18, 2021
Verified Customer
The Good: they will give you a secured credit card
>>> The BAD: you will never get unsecured credit and the longer you have this secured credit only card, the more your credit depends on you keeping it open. Catch 22. There is no long term strategy to keeping this card beyond your first opportunity to ditch it for a long term unsecured card.
>>> The BAD: you will never get unsecured credit and the longer you have this secured credit only card, the more your credit depends on you keeping it open. Catch 22. There is no long term strategy to keeping this card beyond your first opportunity to ditch it for a long term unsecured card.
Mar 17, 2021
Verified Customer
I was upset and sad that I wasn't able to open any credit cards due to my credit score being 504. I decided to apply for a secured credit card with Open Sky. Open Sky help me to established a payment history that helped me to raise my credit score to a 731. Now I'm able to get a card without deposit. Thank you Open Sky.
Mar 17, 2021
Nothin but good has happened since I got my secured card it’s been almost 6 months and my score has steadily improved and I now have 2 unsecured cards that’s helping me make my credit score very solid!
Mar 10, 2021
Verified Customer
My credit score has increased within the first month of having/using this card! As long as you pay what you're supposed to pay, & do it on time, there is absolutely no reason you shouldn't see your score go up. I seriously had given up hope of ever having good credit, but now I'm working my way to it!
Mar 09, 2021
I opened this credit card to help start establishing a credit because my credit was pretty low and it was easy to open pay the annual fee unfortunately the only drawback is they send paper statements every month and they charge you a $3 fee for that so no matter what you pay the card $3 a month just to keep it open other than that highly recommended
06/16/21
I have received first Statement and there is no $3.00 per month charge for paper statements.
05/20/21
Some people prefer paper statements. I'm paying the fee and not receiving statements. Rip off artists.
05/02/21
You dont have to get paper statements. You can turn that feature off and you wont be charged the $3 monthly fee.
Mar 05, 2021
Verified Customer
Great card! Good for all needs, always functioning properly and is a good tool to build credit. I suggest everyone have one when starting a credit building race.
Mar 05, 2021
Verified Customer
This is the best credit card I have I have been paying it in full every time I use it. I’m very thankful for open sky secured credit card it’s the best
Mar 04, 2021
Love this card it’s helping me get my credit score where I need it to be so I can get a home equity loan . So I’m very happy that I got this card
Mar 03, 2021
I Do Not Recommend: Do not be fooled by this unsecured card. It will not swipe at the gas pump like a normal cc. Which is a complete joke. I've owned prepaid and unsecured cc'ds before, and they all swiped at the pump. I won't be using this card religiously for my credit rebooting needs.
Mar 02, 2021
My credit score increased 30 to 60 points depending on the credit bureau. There was no credit check, put down the maximum deposit. My score is rising steadily. This is a good card to help repair your credit. thank you
Mar 01, 2021
Do Not Recommend. The 5 stars are a front! Worst credit card I’ve personally owned. Contacting company is anything but convenient. Making a payment is anything but convenient or timely. I set up electronic arrangements, it's the only way to make sure it’s paid on time.. but they will take the money from bank.. after pending for 3/4 days the money is still not available for use, the longest I’ve waited was literally 3.. not 2 weeks and 3 days. 3 entire weeks. I called customer service and he claims in order to have funds posted to account faster I have to call my bank, get verification it’s been paid, call them back fax, or email over the verification and it will take a few hours up to 72. Most times I wouldn’t notice because I didn’t need to use the card, but once I did and couldn’t access my funds. Livid! They’ve also lost track of money in my account, after noticing an off-balance they counted it down and had no explanation on where the funds could have went.. supposedly to be investigated, haven’t heard anything back in over 2 months account is balanced now but still off by a measly 5cent but still no explanation on how the funds were not accounted for if everything is done electronically. Not to mention the fact that I’ve requested a PIN number for my card for over a year and then some, after ordering it at least 7 times, one actually finally showed up right before my two year anniversary with them, so sweet.. but with that.. after so much time not having a pin, customer service recommended I take advantage of the cash advance feature. Not until my second advance I noticed and called.. they casually tell me “oh yeah there’s a $6 charge for every advance.“ After a good two years I’ve had enough. I read the reviews and seemed like a good idea, they said they loved it and all these cute things.. No. I Do Not Recommend.… show more
Feb 21, 2021
This card provides an excellent option to help you rebuild credit. It doesn't require a credit check, payments made online credit to your account quickly (within 1 business day), and it does help boost your credit score.
I agree with the reviews that say you need to apply for this card with a VERIFIABLE home address (not a mailing address) that matches with your own credit report. That's to prevent fraud. You need a driver's license with your actual home address on it that can be verified by the bank and the address on your driver's license also needs to match your credit report.
You also need to be realistic - don't make a payment at 11:45pm on the exact day the payment is due and then complain that the company credited you late. Don't mail in payments and wonder why they get it a week late. Pay online - it is very easy. Their app works very well.
The longest I have had to wait to reach customer service is 20 minutes on hold, but that is pretty standard during COVID.
I've never had a problem using this card, it is a regular Visa and is accepted everywhere. I make my payments 2-3 days before my due date and have never had a problem at all.
I've had this card for 28 months now and am almost ready to go on to non-secured cards - but it has helped me a lot and I have never had any problems.… show more
I agree with the reviews that say you need to apply for this card with a VERIFIABLE home address (not a mailing address) that matches with your own credit report. That's to prevent fraud. You need a driver's license with your actual home address on it that can be verified by the bank and the address on your driver's license also needs to match your credit report.
You also need to be realistic - don't make a payment at 11:45pm on the exact day the payment is due and then complain that the company credited you late. Don't mail in payments and wonder why they get it a week late. Pay online - it is very easy. Their app works very well.
The longest I have had to wait to reach customer service is 20 minutes on hold, but that is pretty standard during COVID.
I've never had a problem using this card, it is a regular Visa and is accepted everywhere. I make my payments 2-3 days before my due date and have never had a problem at all.
I've had this card for 28 months now and am almost ready to go on to non-secured cards - but it has helped me a lot and I have never had any problems.… show more
Feb 18, 2021
Great card, had it for 2 years now. This card has helped boost my credit score.
The people posting negative reviews need to get with the times. It is 2021. Who mails in a payment in 2021 (when it is very easy to pay online), "hopes" it gets received on time, and then blames the credit card company if your mailed payment arrives late? Seriously. Look at the ridiculous types of things people are complaining about and you can easily see that the problem is with THEM.
I pay on time every month and have never had a problem. I've called customer service a few times and never had a problem. I use my card everywhere, pay IN FULL every month, and everything works fine.
If you are not paying on time, then posting unkind reviews as if it is not your own fault, then you are the problem, not a credit card company.
Every payment I have made online within the past 2 years has posted to my account within 24-36 hours of my paying it. Every. single. one. So I don't know why anyone else would not tell the truth about that. Maybe they're just bad because they messed up their own account somehow.… show more
The people posting negative reviews need to get with the times. It is 2021. Who mails in a payment in 2021 (when it is very easy to pay online), "hopes" it gets received on time, and then blames the credit card company if your mailed payment arrives late? Seriously. Look at the ridiculous types of things people are complaining about and you can easily see that the problem is with THEM.
I pay on time every month and have never had a problem. I've called customer service a few times and never had a problem. I use my card everywhere, pay IN FULL every month, and everything works fine.
If you are not paying on time, then posting unkind reviews as if it is not your own fault, then you are the problem, not a credit card company.
Every payment I have made online within the past 2 years has posted to my account within 24-36 hours of my paying it. Every. single. one. So I don't know why anyone else would not tell the truth about that. Maybe they're just bad because they messed up their own account somehow.… show more
Feb 14, 2021
I think the people who are complaining must have credit issues they are NOT telling you about. I've had this card for almost 3 years and so has my husband, he has his own account.
Never a SINGLE problem with making payments monthly (and payments do get credited to your account within 24 hours!), never had a problem reaching anyone in customer service, no issues at all. Able to use the card everywhere. I have used their app daily to view my account for almost 3 years and have never had a single problem.
People who have issues are probably not using their residence address to apply (you cannot use a mailing address), or they are using a different address from the one on their credit report. Yes, they have to be able to VERIFY who you are (valid driver's license with your legal residence address on it) and where you live before granting credit, just like any other credit card.
Also, people, GET a checking account to make your payments, no one in 2021 tries to make payments from Western Union or other such nonsense. There are plenty of second chance checking accounts that accept pretty much everyone.
This is a GREAT card that will give you a second chance when no one else will.… show more
Never a SINGLE problem with making payments monthly (and payments do get credited to your account within 24 hours!), never had a problem reaching anyone in customer service, no issues at all. Able to use the card everywhere. I have used their app daily to view my account for almost 3 years and have never had a single problem.
People who have issues are probably not using their residence address to apply (you cannot use a mailing address), or they are using a different address from the one on their credit report. Yes, they have to be able to VERIFY who you are (valid driver's license with your legal residence address on it) and where you live before granting credit, just like any other credit card.
Also, people, GET a checking account to make your payments, no one in 2021 tries to make payments from Western Union or other such nonsense. There are plenty of second chance checking accounts that accept pretty much everyone.
This is a GREAT card that will give you a second chance when no one else will.… show more
Feb 09, 2021
Terrible service. We applied but they couldn't verify the address even though I sent it in through their portal. There is no customer service number to get in touch with someone. if you can't even speak to someone in the beginning, I would be concerned giving them any deposit!
Ask the Experts
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- What should people look for when evaluating a credit card brand/company they’ve never heard of?
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: Jun 18th, 2021 at 08:44 ET
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jun 18th, 2021 at 08:44 ET