Accepted Credit Scores
Limited History, Bad Credit
OpenSky® Secured Visa® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
March 24, 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.
March 24, 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 3/24/2021
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 33
Syd Jones
@syd.jones
Most of the time, there's no processing time for your OpenSky credit card application. So the only thing that involves 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.
3
Upvotes
How long will it take for an OpenSky credit card to show a difference in my credit score? Reply 127
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.
12
Upvotes
What's the OpenSky phone number for customer service? Reply 61
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 31
WalletHub
@WalletHub
The OpenSky Visa is a secured credit card, so you can only increase your credit limit by adding to your security deposit. And your ability to add to the deposit is subject to underwriting approval. Call the OpenSky Customer Service Department at 1-855-763-6736 to see if you’re eligible and for instructions on how to send the additional security deposit.
3
Upvotes
Does OpenSky do a hard pull? Reply 72
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 32
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 2821
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 5946
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 14
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 83
Frieda Reiss
@freiss
You can make OpenSky credit card payments in any of these three ways:
1. Sign up for Auto-Pay in the online account management (click MyAccount from the blue button located at the top of the screen at openskycc.com). From there, schedule recurring, monthly payments.
2. Enroll in a recurring Bill Payment service with your personal bank to automatically pay your OpenSky credit card.
3. Send a check with the remittance slip that is included in your monthly billing statement.
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.
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
Comment
Apr 16, 2021
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
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
Open Sky has been a very good company to work with on restoring my credit. They have no tricks up their sleeves and is a good company to have on your side.
Mar 30, 2021
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
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
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
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
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
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
Mar 05, 2021
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
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!
Feb 03, 2021
Terrible financial service. Their website account log-in button doesn't work, the mobile app doesn't open, no customer service phone number or email is listed on their site. Save yourself the headache and skip this company, it's nothing but red flags.
Jan 27, 2021
I cannot understand why it is unbelievably hard to make a payment to this company while they rack up all these fees against you. I was a collector for almost 20 years and even this tactic is low. I'm only giving two stars. because the rep took the time to inform me of all these loops customers have to go through to solve a payment issue.
Jan 27, 2021
For this to just be a secured card, I have NEVER had so many issues in my LIFE! Since I opened this card, I’ve had an issue every single month. They make it impossible just to make a payment. From them processing my payments late, to customer service being rude and unprofessional. Trust me when I say, GET A CAPITAL ONE! Do NOT get this card if you don’t want a headache every month. The app is a NIGHTMARE to use and doesn’t update in real time so you’ll always have a do a deep dive into each individual purchase and even THEN, they will find something that hasn’t posted yet. I use these cards very very strategically because I only have it to build my credit, so I pay it off in full every month and I only use 30%, but they always find a way to make sure there’s some extra forgotten charge. Run.....for.....the.....hills.… show more
Jan 22, 2021
Verified Customer
Got this card and a Credit One card last year to start building credit, and just closed it today as I no longer needed it. There are fees of course because it is secured, but I never had a problem with transactions, and it helped build my credit over that year so I recommend it as a starter. You have to call to cancel which isn't great and it took a bit to get a rep, but they were very helpful and understanding.… show more
Jan 20, 2021
I've had Opensky for years now...the first report, approx. 1mo, from getting the card my credit jumped 100pts....since then my credit has continued to go up...I've had no issues with payments taking too long...maybe longer than you would expect from a company you've purchased from....but it will be processed based on the date you actually paid it and I've had no late charges related to when they process vs when I've paid. The reporting hits every time... I took my credit all the way from 517 to over 720...I'm sure other factors played a role but for me, Opensky was the first step. I've never had issues with customer service either.… show more
Jan 17, 2021
Horrible! Horrible! Horrible!!
They take FOREVER to update your payment (between 5-8 days). They are inconsistent with their reporting to the credit company with sometimes reporting on the 1st and sometimes on the 17th of the month. Additionally I keep my credit utilization at below 17% and somehow their inconsistent reporting and late payment updates keep making my score drop. I am beyond ANGRY!!! DO NOT USE OPENSKYY. Use Chime instead.
They take FOREVER to update your payment (between 5-8 days). They are inconsistent with their reporting to the credit company with sometimes reporting on the 1st and sometimes on the 17th of the month. Additionally I keep my credit utilization at below 17% and somehow their inconsistent reporting and late payment updates keep making my score drop. I am beyond ANGRY!!! DO NOT USE OPENSKYY. Use Chime instead.
Jan 14, 2021
Stay away from this credit card company. They are incompetent, unprofessional, predatory and the quality of their services is extremely low. I am going through a nightmare process of having my card revoked and being charged for fraudulent purchases. They don’t do anything right and will simply tell you: I am sorry about that.
Also, you are smarter than having to use a credit card that is built to take advantage of your situation.
Also, you are smarter than having to use a credit card that is built to take advantage of your situation.
Jan 07, 2021
The company says they Want to help you build credit. That’s a lie. I put 2k down for my secured card. Well I never activated it and subsequently never used the card, obviously. They charged me a late fee of $38 and then again a late fee, all of which I did not even think about since I never activated the card. Well they sent a delinquent notice in and my credit score dropped precisely 30 points..... What kind of business is this? I have called them several times and cannot get hold of anybody. They have no Email. Only snail mail address. This is about as crooked as you can get!!!… show more
01/20/21
Failed payments drop your credit score...once you pay the unpaid amount your credit goes back up..the more payments you miss the bigger the hit...you got a card to help your credit and immediately failed to make payments....worse...you put 2k somewhere...and forgot about it...didn't care? I'll issue you a card for that right now! ;)
01/11/21
I don't think you have to activate it for that annual fee to hit. It's automatic. You should have received a bill though. They send the bill and then you can switch to paperless to save that $3 fee.
01/07/21
Why didn't you cancel the card after the first fees were charged? You put 2k down and never activated the card, so the 2k just sat there, while you incurred fees?
Jan 05, 2021
Worst Credit Card Company EVER if they can call themselves a "Credit Card Company" I called the Corporate office and got the same CSR from the number I previously called, talk about a SHAM..They offer nothing as far as Advancement towards an Unsecured Credit Card or even a Higher limit. I sadly chose this company thinking they could Help Me re-build my credit smh All I received was fraudulent information and inflated fees on MONEY I GAVE THEM, I REPEAT I GAVE THEM $200 and they gave me Extravagant Late Fees and LIES during the Holidays in a PANDEMIC!!! #MovingMyMoney #CapitalOne #HereICome… show more
Jan 05, 2021
Verified Customer
I’ve had my OpenSky card for a year now, and it has helped my score so much that I now have unsecured cards and my score continues to grow. Yes, they may be slow at reporting payments, but your score isn’t going to go up from 1 payment anyways. The longer you hold on to it and keep it below 30% of your card's limit, you’ll start to see real results in about 6 months. I pay my cell phone bill automatically every month and my bank automatically pays them in return. I basically do nothing and build my credit. THIS is what this card is meant for! Good luck!… show more
Dec 30, 2020
Do not get this card they are not helpful with their customers they blame you!! For the their mistakes! The are not helpful in resolving the issues please find another card to start your credit this is a bad card!! Run run run and don't look back
Dec 20, 2020
This credit card is horrible. This is 2020, when you make a payment on a credit card IT SHOULD NOT TAKE 8 DAYS TO POST. I will leave this card with a zero balance from this day forward. Useless card
Dec 14, 2020
Ever since i paid to get a credit increase on my opensky card I haven't seen the full amount at all. I have a 1000 limit but i pay the total bill and it never fully goes to a 1000. You can't get customer service and if you luck up and do they are short and rude with you. Don't get this card
Dec 09, 2020
Verified Customer
I was finally able to buy a home after repairing my credit with the help of Open Sky Visa card. I paid on my card timely and it brought my credit score up. It was the best decision I made when getting this card. It made all the difference in raising my credit score
Dec 06, 2020
Verified Customer
Great card for rebuilding credit. The card has a limit equivalent to your security deposit. Never had any issues and it helped to rebuild my credit in a relatively short time and Opensky has been very straightforward to deal with.
Dec 02, 2020
It works but I recommend having a separate account that is ONLY for your bills, I recently had the issue where I could have sworn I was charged for my payment and was not and if two payments return on a payment method you will no longer be able to use the payment method so heads up on that one. All in all this is a GREAT card to start out with SO LONG as you are RESPONSIBLE with it!! That is the most important part about this card is if you use it right you WILL reap the benefits! I have raised my credit scores from the low 500s (509, 513, and 510) to low to mid 600s (613, 625, and 630) in just a matter of 10 months! This card is great and their customer service is there when necessary but honestly so long as you handle your s*** you shouldn't have any problems. Good luck!… show more
Ask the Experts
To help potential applicants learn more about the OpenSky Secured Credit Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
- When do you think it makes sense to seek out a credit card with no credit check for new applicants?
- Should consumers be suspicious of credit cards that don’t check applicants’ credit history?
- What should people look for when evaluating a credit card brand/company they’ve never heard of?
Diogo Hildebrand
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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.
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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.
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.
Last updated on: Mar 24th, 2021 at 13:46 ET
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OpenSky® Secured Visa® Credit Card is related to the following categories:
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: Mar 24th, 2021 at 13:46 ET