Accepted Credit Scores
Limited History, Bad Credit
OpenSky® Secured Visa® Credit Card
JUMP TO:
APRs |
REVIEWS |
Q&A
|
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
September 20, 2021
Review: OpenSky
The OpenSky Credit Card is a good credit card for people with a bad credit score who want high approval odds more than they want rewards. The OpenSky Card is worth its $35 annual fee because it has no credit check for new applicants and it helps cardholders build credit.
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 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.
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.
$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.$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.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 rate of 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 OpenSky review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
September 20, 2021
OpenSky's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| None |
| ANNUAL FEE
|
| $35 |
| MONTHLY FEE
|
| None |
| REGULAR RATE
|
|---|
| 17.39% (V) |
| GRACE PERIOD
|
| 25 days |
OpenSky'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'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 9/20/2021
at Capital Bank's secure site
Related Credit Cards
If you are interested in the OpenSky® Secured Visa® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
OpenSky® Secured Visa® Credit Card is related to the following categories:
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 14votes6votes
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.
14
Upvotes
How can I get a cash advance with my Opensky credit card? Reply 1votes4votes
James Bronzz
@jbronz
You can get a cash advance with your OpenSky card at any ATM that accepts VISA. That is virtually any ATM in the world, as the VISA network benefits from extensive worldwide acceptance. Keep in mind that you’ll need a PIN to get an OpenSky cash advance from an ATM. If you haven’t received a PIN with your card, call the number on the back of your card to request one. Alternatively, you can visit a bank that display the VISA logo and ask a teller for a cash advance. You will need a government-issued photo ID along with your OpenSky card.
Here is what you need to know about OpenSky cash advances:
- How to get a cash advance: Use your card to get a cash advance from any ATM that accepts VISA. You will need a PIN, so if you haven’t been given one, simply call the number on the back of you card to request it. You can also visit banks that display the VISA logo and ask a teller for a cash advance. Make sure to bring a government-issued photo ID along with your OpenSky card.
- Cash advance fee: 5% (min $6) of each cash advance transaction
- Cash advance APR: 17.39% (V), with no grace period, accruing immediately.
- Cash-like equivalents: Certain transactions or purchases are also treated as cash advances. These include money orders, traveler’s checks, stamps or other instruments convertible to cash.
- Cash advance limits: Cash advance amounts may not be less than $20 and the outstanding balance of cash advances cannot exceed 50% of your credit limit.
As you can see, cash advances are extremely expensive, so it’s best to reserve them for emergencies.
1
Upvote
How long will it take for an OpenSky credit card to show a difference in my credit score? Reply 16votes8votes
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.
16
Upvotes
What's the OpenSky phone number for customer service? Reply 7votes3votes
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
7
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
Bogdan Roberts
@bogdan_roberts
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.
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.
7
Upvotes
Is OpenSky a major credit card? Reply 5votes4votes
Bogdan Roberts
@bogdan_roberts
Yes, OpenSky is considered a major credit card. It is on the VISA network, so it benefits from extensive worldwide acceptance. However, if you're asking if OpenSky belongs to a major bank, then the answer would be no. The card is issued by Capital Bank, which is not one of the major credit card issuers.
One of the main points of attraction for OpenSky is the fact that it does not perform credit checks and is open to applicants with bad credit. So it is a secured card designed for rebuilding credit. Opening an OpenSky account requires a $200 refundable security deposit, at a minimum.
5
Upvotes
Can you rent a car with an OpenSky credit card? Reply 29votes22votes
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.
29
Upvotes
How long does it take to get the OpenSky card in the mail? Reply 60votes46votes
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.
60
Upvotes
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 Video Review
OpenSky Reviews
Share your insights and review the OpenSky® Secured Visa® Credit Card.
Sep 11, 2021
Verified Customer
It was a decent card to start building my credit but after over a year with them they refused to admit a simple mistake and forced me to pay fees because of it. Even IF I had made the mistake, you'd think after a year of being a good customer they would be human, but they insisted all fees are final. So I closed my account. It helped me get my score up, but definitely some of the worst customer service I have ever experienced. Also the app and payment system was horrible the entire time, if you can't get anything else, this will do. But OpenSky is far from a good credit card.… show more
Comment
Sep 04, 2021
Verified Customer
I understand the logic behind the card however points dropping almost 50 points or more for almost maxing out your money on your credit card is disgusting. As long as I pay my min payment every month on time it shouldn't matter.
Sep 01, 2021
Verified Customer
Legit and great awesome app easy to use and navigate helps easily boost your credit and apply for credit card based on your fico score. Can't ask for anything better than that!!
Aug 17, 2021
Verified Customer
Love this card so much helped me get my credit score up greatly appreciate it thank you for the service you provide to help people ?
Aug 04, 2021
Verified Customer
Pay as I go for what I have to available to pay plus credit reportable. With a $200.00 credit limit, and $200.00 paid advance is $200.00 back.
Jul 25, 2021
Verified Customer
Lowest Annual Fee and Interest Rate and Easiest Qualification for Type of Account.
Jul 24, 2021
Verified Customer
This week I received an email from OpenSky saying that I received a $200 credit limit increase. I started with a $200 security deposit. This card has opened up a lot of opportunities for me.
I have a Amex, Lowe’s, Harbor Freight, and Master Card with a $1200 limit.
I have a Amex, Lowe’s, Harbor Freight, and Master Card with a $1200 limit.
Jul 23, 2021
Don't bother with this incompetent outfit. Initial attempt at obtaining a card resulted in an endless loop of auto-generated messages to check email for link to resolve an issue that went no where. Finally after literally hours on hold their only resolution was to cancel and start over. So stupidly we did. They required a pay stub or W2, then rejected the pay stub without providing a reason. Submitted a W2, card has been in review for 2 weeks now. Cancelling and going somewhere else.… show more
Jul 18, 2021
Verified Customer
I have had this credit card for about a year now. Sometimes it takes up to a week for your payment to post. If your payment is late, they lock your card and you won't be able to use it, even after your payment posts. You have to call them and they will unlock it. This card is terrible. I will be closing it on Monday.
Jul 15, 2021
Verified Customer
I started with this card a little less than a year ago to start rebuilding credit. I only added a couple hundred dollars on it and pay it off 2 times a month. I did receive an increase on the card without putting additional money into the account. Great for rebuilding. I have a total of 10 credit cards now since I opened this account. My score on Experian in the last year has gone up 85 points.… show more
Jul 13, 2021
I started out here as they helped provide me a credit card. I gave $750.00 for security. As far as provider, they did what a cc company should .. provide available credit with my money. My issue with them is I get these emails of congratulations you have been with us for 32 months and have never been late. 32 months in a row with no late payments. I have multiple other credit cards and all have increased my line and they are all unsecured. I have checked open sky about returning my security or increase my credit line because of my A+ history with them and they said NO to both. I guess I missed the fine print about never getting your security back unless you pay it off which goes on your credit history as a canceled account with no explanation. 32 months of never being late. Shameful. Stuck with it until I pay it off. Which I will try to do as quickly as possible and never use them again. And btw, they have never reported to the credit bureau my A+ payment history. Thanks for nothing Open Sky… show more
Jul 13, 2021
I started using OpenSky three months ago. My credit score was around 520 now it 634. I will refer this card to anyone who is looking to buildup their credit score.
Secondly, it's very easy to set it up. It's a secured card, just transfer money from your account to Opensky to start your application, they respond within 24-48hrs. Just have to confirm the verification process. Once everything looks good, you are good to go!
Start using the card and control your spending, Pay your bills on time. Setup online payment options. I can't wait for my credit to go back into the 800+ like it was before.
Thank you OpenSKY!… show more
Secondly, it's very easy to set it up. It's a secured card, just transfer money from your account to Opensky to start your application, they respond within 24-48hrs. Just have to confirm the verification process. Once everything looks good, you are good to go!
Start using the card and control your spending, Pay your bills on time. Setup online payment options. I can't wait for my credit to go back into the 800+ like it was before.
Thank you OpenSKY!… show more
Jul 11, 2021
Verified Customer
I don't EVER take the time to leave a bad review, but I feel I should in this case. I worked on my credit for 10 years (that's an extremely long time) and an accomplishment for me. We were moving, so I got an OpenSky card, and loaded $300.00 just so I'd have something set aside. Well, I might as well have used it for toilet paper because I NEVER saw any of my money again. The card was declined the first time I used it. When I tried calling, I couldn't get thru to anyone. The next thing was someone from their company calling me demanding payment- (for something I NEVER got to use and was never returned to me). So, I literally threw $300.00 in the trash. Seriously. It was a bite out of my budget, deduct $300 out of your moving expenses- and to never see it again. Then on top of that- charge me and want payment!!!!! For what???!!!!! I NEVER was able to use it for ANYTHING- not even once!!!!!!!!!!!!!!! The card sits in my wallet (and only reminds me of how I was an idiot and LITERALLY threw $300 in the trash...!!! And I haven't seen or heard anything from them again.… show more
Jul 11, 2021
This card is great for people who want to remain realistic about credit and credit worthiness. It's easy to get caught up in over spending and mess up your credit which can take years to rebuild. OpenSky is an excellent and easy way to stay grounded.
Jul 10, 2021
Verified Customer
I want everyone to read this whoever had terrible credit like myself. This is not fake I promise you this card changed my life. ( I'll tell the short version) Anyways I screwed up my credit back in 02 when I was 22 so bad it was as of 05/01/2020 my rating was still at 503 on avg between all 3.. YEAH 503 credit rating one had a 475 credit rating. But I found out about open sky had 500 to put down on the card. So finally I could rent hotel rooms and other things where a credit card only was accepted to reserve or buy. My initial thought was never to rebuild my credit I just wanted to rent a hotel room at the casino. But I notice over a few months my score gradually going up..Then 6 months later my score on 10/01/2020 was 535 on avg.. So then with the help of stimulus money I paid off a collection and another.. Then as of Feb 2021 my score avg was at 600.. Still had 2 bad collections and only open sky but that open sky card kept it going up. Then I use my last stimulus to pay off last collection but without the open sky card reporting the credit bureaus this whole time, it would never have risen as it did. Then April 2021 OpenSky actually increased my card limit I had a secured 500$ but they added 100$ unsecured credit to that card (Was shocked when that happened).. That small increase in credit actually bumped my score some more so thank you OpenSky. Than I paid off my last collection and May 20/2021 my scores were 725 experian/ 770 Equifax (yeah no kiddin 770) Transunion was 735 all Fico Scores.. Now fast forward to this moment I have 4 unsecured and I still have my OpenSky card as well doesn't hurt to keep it it's a revolving account also have a Discover at a 2k credit limit unsecured. Then I got a new car with a 20k loan no money down. You can say paying off collections is why but in no way could I got what I did without a revolving account on the books as well because credit history is a huge factor. So get OpenSky pay it down monthly don't be late don't go over your balance. Pay off your collections as I did but remember it takes time.. I went from 475(avg fico) to 745 (avg fico) in a year and a half. Of course, when you open new accounts like I did it drops but over time you with on-time payments it will be even higher. ( sorry guess it was a long version) Might add your car insurance rates will drop dramatically with better credit so keep it up… show more
Jul 09, 2021
Verified Customer
This card Has made it possible for my husband and I to take our match delayed honeymoon to Cancun Mexico. We had an amazing time, got a lot of relaxing and swimming done. Thank you for being there.
Jul 09, 2021
Verified Customer
Helped improved my credit score within a year score is above 650 for first time since 1991 when l joined US Army and started building credit
Jul 08, 2021
Verified Customer
My credit was pretty bad, i heard of this card and decided to say what could it hurt. I was able to raise my credit to where i brought a home, a car and a suv all with in a year. I have told people about open sky.
Jul 08, 2021
Verified Customer
In just about 6 months, my credit score improved by almost 100 points just by keeping my balance low, paying on time, keeping my card utilization below 10%, and I only had my starting credit limit at $200. I plan on increasing that when I can, but I love what this card has done to help me rebuild my credit!!
Jul 08, 2021
Verified Customer
First of all, I want to give a big thank you to sky for the opportunity to trust in me. Glad I did apply on my worst day? when no one can give the time of day w a 400 score 2 months ago forward to present 605 w 3 credit cards !!?? It pays to be responsible! Yay? Thanks again SKY!
Jul 08, 2021
Verified Customer
My credit score was raised from 540 to 632. The card helped a lot because I had no credit usage just debt but I also paid off two collections accounts. I would recommend it if your credit is truly terrible, I have a repossession on my report and this card really helped me.
Jul 07, 2021
Verified Customer
My credit score starting out was about 450 Ive had open sky about 5 months my credit score now is 634 and climbing , ive paid off two debts that was on my credit report one doing so in two payments but this card helped me show that im serious about raising my credit score !I recommend this card to anyone that is in a rut like i was with Open Sky you will climb out of that rut and and continue to climb!Thanks Open Sky!… show more
Jul 07, 2021
Verified Customer
Not really impressed. It has not negatively or positively effected my score. I have an impeccable payment history with them and there’s really no advantage to using the card for improving my score. I’ve had the card for 16 months and no sign of a credit increase. So to summarize my experience. It’s like any other card, with the exception other cards offer a credit line increase after a flawless payment history.
Jul 07, 2021
I had absolutely no credit due to paying cash for everything. I opened an account with OpenSky a year ago to establish credit. By paying off my balance every month on time, I was able to create a solid credit foundation, which opened the door to being approved for unsecured cards. By paying off all my cards EVERY month, I went from having no credit score to a score of 756. No more worrying about being approved for car loans or high interest rates. I'm now looking at buying my first home and I never thought I would be in position to do it. I wouldn't be here without my OpenSky Visa. I recommend this card to anyone looking to build credit. If you pay off your balance every month, you will build a good credit rating in no time. Spend wisely and safely and you will see your hard work pay off.… show more
Jul 07, 2021
Verified Customer
I loved this card! This is not a scam, trust! This card was the only one that approve me with a 585 score, within a year with this card, I now have a 700 credit score and they increase my credit limit from 200 to 500! If you want a credit change please use them first!
Jul 07, 2021
Verified Customer
Opensky accepted me when no others would they helped me not only build my credit but learn and maintain positive budgeting habits. I am very happy to be a card holder with opensky and am excited and looking forward to building my credit with them!
Jun 30, 2021
Verified Customer
they reported a late payment during an investigation while I made several payments and I’m fighting to get them removed 4 months and nothing changes…all my payment attempts got blocked from their computer … and when I called .. their customer service is about it … bad experience … and at the end of the day they closed my account while it was legitimate… don’t think twice … This bad experience I’m sharing … hope no one get that … 84 points drop to my score for their mistake … my score was 813 excellent… now 729 good … it is unfairness … and abuse of power … I’m hiring a lawyer preparing to sue them at the court of law …… show more
Jun 25, 2021
Verified Customer
Great card to get started on you’re credit. APR just a lil too high but stay under 30% will have you looking good with the sky card.
Jun 18, 2021
Verified Customer
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!!!
Jun 17, 2021
Verified Customer
This was my first credit card, it is really helping me to build my credit.
Jun 16, 2021
Verified Customer
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 13, 2021
Verified Customer
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
Verified Customer
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
Verified Customer
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
Verified Customer
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!!!
05/23/21
what company was this pls ? i'm trying to raise my credit score ahead of a mortgage loan later this year.
05/23/21
may i know about this repair company ? I'm trying to get my credit score up for a mortgage loan hopefully this year.
05/23/21
Did a lot of help for me on my rebuild journey. Got a great repair company to help too.
May 20, 2021
Verified Customer
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
Verified Customer
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
">
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?
Pramod Iyer
Diogo Hildebrand
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.
Last updated on: Sep 20th, 2021 at 13:08 ET
Related Credit Cards
If you are interested in the OpenSky® Secured Visa® Credit Card, check out the following credit cards as well:
Related Credit Card Categories
OpenSky 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: Sep 20th, 2021 at 13:08 ET