OpenSky® Secured Visa® Credit Card

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.

The OpenSky Visa Card is safe. It offers the same $0 liability guarantee as any other credit card. In other words, if unauthorized purchases are made on your account, you won’t have to pay for them.

It is worth noting that OpenSky currently doesn’t come with an embedded computer chip. But that shouldn’t be too big of a concern. Traditional magnetic stripe credit cards are plenty secure, especially with the backing of $0 liability protection. You can learn more about why that’s the case here.

At the end of the day, even if other cards may be slightly more secure, that concern does not outweigh the importance of getting approved for a credit card and beginning to add positive information to your credit reports each month. So if you have very damaged credit and can’t get approved for a cheaper secured card, OpenSky is a solid choice.

You can check your OpenSky credit card application status on this page: https://www.openskycc.com/app/checkapplicationstatus.

You can pay your monthly bill electronically, by check or money order. There are more options for funding your security deposit, however: debit card, check, money order or wire transfer. Hope this helps.

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.

The OpenSky Visa Card credit limit is the amount of your security deposit, up to a maximum $3,000. You’re required to put down at least a $200 deposit to open the account. It’s important to know that OpenSky Secured Visa has a $35 annual fee which, when applied to the security deposit, will reduce the amount your credit limit.

You can increase your credit limit any time by adding to your security deposit – up to the $3,000 maximum. But make sure you do so during the first year you have the card. After 12 months, OpenSky charges a $25 fee to add (or withdraw) from your security deposit.

You should be able to use your debit card to pay your Opensky security deposit without it being declined. The notable exceptions would be if you’re using a temporary, anonymous prepaid card or you don’t have sufficient funds in your bank account.

To determine exactly what’s going on, you may want to contact your debit card issuer and Capital Bank, the issuer of the Open Sky Secured Card. Capital Bank can be reached at 855-763-6736.

You cannot pay your Opensky credit card deposit in increments. You have to pay the deposit in full before you can open an account. But you can certainly save in small increments and then apply when you have at least $200 to spare.

Remember, you can fund your deposit by debit card, check, money order or wire transfer. 

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.