Minimum Credit Score Needed 
Limited History
OpenSky® Secured Visa® Credit Card
Editor’s Take
John Kiernan, Credit Card Editor
Mar 30, 2020
Review: OpenSky® Secured Visa® Credit Card
OpenSky Review Summary: The OpenSky Credit Card is an affordable secured card with no credit check for new applicants – meaning there is no hard inquiry into your credit history when you apply. That’s why OpenSky is a great choice for people with damaged credit who want high approval odds. 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 a $35
annual fee and monthly bill payments.
Those are the most important things to know before applying for the OpenSky Secured Visa. Below, you can find additional information to help you make up your mind about this offer.
OpenSky Secured Credit Card Review Highlights:
Those are the most important things to know before applying for the OpenSky Secured Visa. Below, you can find additional information to help you make up your mind about this offer.
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 18.89% (V) , which is about what the average secured card charges, according to WalletHub’s latest Credit Card Landscape Report.
Mar 30, 2020
OpenSky® Secured Visa® Credit Card's Key APRs & Fees
| ONE-TIME FEES |
|---|
| None |
| ANNUAL FEE |
| $35 |
| MONTHLY FEE |
| None |
| REGULAR RATE |
|---|
| 18.89% (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.) |
| OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way. |
| *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
18.89% (V)
-
CASH ADVANCE FEE
5% (min $6)
at Capital Bank's secure site
Editor's Pick
OpenSky® Secured Visa® Credit Card is an Editor's Pick for:
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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.
How long does it take to get the OpenSky card in the mail? Reply 5444
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.
54
Upvotes
What are the payment methods? Reply 5440
WalletHub
@WalletHub
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.
54
Upvotes
What's the OpenSky Secured Visa card credit limit? Reply 4736
WalletHub
@WalletHub
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.
47
Upvotes
Can I pay my OpenSky credit card deposit in increments? Reply 2623
WalletHub
@WalletHub
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.
26
Upvotes
Why was my debit card declined when I tried to pay my Opensky security deposit? Reply 2521
WalletHub
@WalletHub
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.
25
Upvotes
Can I rent a car with Opensky? Reply 2412
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.
24
Upvotes
What is the minimum age to apply for the OpenSky Secured Visa card? Reply 2310
WalletHub
@WalletHub
You have to be at least 18 years old to get your own credit card account. So your daughter won’t be able to apply independently. But you can easily add her to your credit card account. This will help her build some credit history before she starts shopping for her own starter credit card. We have an article on authorized users that you both may find useful: https://wallethub.com/edu/authorized-user/24717/ .
23
Upvotes
Can I apply for Opensky with an EIN? Reply 1914
WalletHub
@WalletHub
You will not be able to open the OpenSky card with a EIN, or under the business name, however, it's important to note that financial institutions consider a small business owner's personal credit standing to be far more important than that of his or her company and typically report business credit card account information to a cardholder's personal credit reports as well as to those of his or her business.
Banks simply consider a small business owner's personal and company finances to be intertwined, especially since business owners are held personally liable for business card debt. Nevertheless, a business credit card will likely help you improve both your personal and business credit standing. You can find our selection of business credit cards here.
19
Upvotes
How do I close my OpenSky credit card? Reply 154
WalletHub
@WalletHub
To cancel an OpenSky credit card, call customer service 24/7 at (800) 859-6412. A customer service representative will guide you through the process. You can also cancel the card by mail. Send your request to the OpenSky address for correspondence, billing disputes and general questions: OpenSky Card Services, PO Box 9224, Old Bethpage, NY 11804-9224. Be sure to include your account number on any written correspondence.
Once you cancel, OpenSky may request immediate payment on the total balance due. It may apply part or all of your security deposit toward any outstanding balance. If your remaining security deposit balance is more than $1, OpenSky will refund that amount within 6 weeks after you close the account.
15
Upvotes
When will I get my deposit back? Reply 1311
WalletHub
@WalletHub
You will get your security deposit back when you close your account. Until then, the deposit will serve as collateral, ensuring OpenSky gets paid back for any balances you incur.
13
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.
Mar 26, 2020
This card is trash , I keep making payments on time and it says they are late , it took weeks for them to take the payment and it doesn’t reflect on my account yet , they took it on the 21st it is now the 24th , you can’t talk to anyone personally, don’t get this stupid card
Comment
Jan 27, 2020
Beware! Applied for this card in December. Several emails received asking for more information. Always asking for a clear copy of Drivers ID and SSN card. 4 separate time I had provided a clear photograph copy of both SSN and DL. A week would go by and I would get another email asking for the same information already provided. We have done this 4 times over the past 6 weeks. Clearly this is a delay to provide a simple secure credit card. I looked up this company with the Better Business Bureau and they hold a 'D' rating for complaints similar to this complaint. They have our deposit and now we are chasing them. Provided them the funds in December. Uploaded the documents in clear color photograph (4) times! Finally called to withdraw the application and get my deposit back. First thing they ask is did I perform a name change, then they claim they cannot find the information. Finally, after being on the phone 45 minutes I had to threaten a charge-back with my bank (being I used a debit card it is a little tricky). There is nothing unusual here, I have the deposit, exact credentials with clear copies. I just don't have any need for credit and sought to improve my credit score. This was all to improve a 702 credit score. What a hassle. Had to withdraw the application and find an alternate solution. Could have done this several months ago. If possible, try to avoid OpenSky. They are not what they represent.… show more
Jan 13, 2020
I like this card. As long as u make your paynents on time , they report to the 3 major burueas . im using this card to get my credit score up to buy a home . and you can get increases too long as u make payment on time
Dec 26, 2019
Verified Customer
Trash !! ZERO STARS!! card works fine till theres a problem. there is no email, live chat or direct line so pray you never have to contact them, they are the absolute worst. horrendous automated phone system is very hard work to navigate and takes for ever. i called to replace lost card and by the time i finally got a hold of someone i just went ahead and cancelled it, might as well , no way i was ever going thru that hell again. Its been couple weeks now and they have managed to send me mail twice now. One was a statement for the 45 balance they already said they would deduct from my deposit and the other was a letter saying that i should continue to make payments on my balance till they feel like mailing me my deposit. Cant make payments on closed accounts STUPIDS !! Only mail i want to see from these losers is my deposit refund !… show more
Nov 07, 2019
I'm encouraged by these reviews. I've applied for other secured cards and been denied which makes no sense i mean they're secured. I'm going to apply for this card and am looking forward to rebuilding my credit. Thanks!
Oct 12, 2019
Reviewing this card is fairly straightforward.
OPENING AN ACCOUNT: Very simple. No major issues.
USING THE ACCOUNT: No major issues. The biggest issue I saw is that it's harder than it needs to be to just increase the limit. It's a SECURED card. This is a matter of depositing funds into a checking account. You should not have to 'request approval' to give cash to someone. It's silly.
CLOSING THE ACCOUNT: Nightmare, because (A) you can't do it online and (B) it's extremely difficult to get to a rep. It's doable, but you need to trick their IVR. First, after it validates you, press '1' for account info, then keep pressing '0'. When I say "keep pressing" - you're going to be pressing it a LOT before it actually gives up and transfers you. This was on a Saturday, so I don't know if it's any different during the week. Then the hold times are extremely high. Your only other option is to mail them correspondence - which of course takes days to complete.
Once you do get to a rep, the actual close process took seconds. He asked the reason (too many hoops to increase the limit), then clicked a thing and it was done. Quickly hung up on me, which is fine, as long as it's closed. No retention, nothing. Which again, I'm fine with.
It is true that your credit is temporarily impacted because (A) your age of accounts is affected and (B) your total credit limit across accounts goes down a bit, but I have another card that's well over this limit and am not worried about this one. It's a temporary hit worth doing because this card doesn't do me any good.… show more
OPENING AN ACCOUNT: Very simple. No major issues.
USING THE ACCOUNT: No major issues. The biggest issue I saw is that it's harder than it needs to be to just increase the limit. It's a SECURED card. This is a matter of depositing funds into a checking account. You should not have to 'request approval' to give cash to someone. It's silly.
CLOSING THE ACCOUNT: Nightmare, because (A) you can't do it online and (B) it's extremely difficult to get to a rep. It's doable, but you need to trick their IVR. First, after it validates you, press '1' for account info, then keep pressing '0'. When I say "keep pressing" - you're going to be pressing it a LOT before it actually gives up and transfers you. This was on a Saturday, so I don't know if it's any different during the week. Then the hold times are extremely high. Your only other option is to mail them correspondence - which of course takes days to complete.
Once you do get to a rep, the actual close process took seconds. He asked the reason (too many hoops to increase the limit), then clicked a thing and it was done. Quickly hung up on me, which is fine, as long as it's closed. No retention, nothing. Which again, I'm fine with.
It is true that your credit is temporarily impacted because (A) your age of accounts is affected and (B) your total credit limit across accounts goes down a bit, but I have another card that's well over this limit and am not worried about this one. It's a temporary hit worth doing because this card doesn't do me any good.… show more
Sep 24, 2019
I have the Open Sky Secured Visa card. I opened my account with $3000 initial deposit and use it to pay bills then pay it off twice a month to avoid paying much in interest charges . 2 Months after opening I was able to request a credit line increase to $5000. Of course I had to pay the 5k security deposit out of pocket but my credit score increased increased by almost 60 points in a period of 2 months as a result. I'm rebuilding my credit after several years of bad luck and bad decisions and Open Sky has helped me get things back in order. Happy to report that I was finally approved for a Citi Unsecured card recently where I would have never been before had it not been for the Open Sky Secured Card. Sounds like a sales pitch I know. I don't work for Open Sky but I stand behind their product. I've had no problems whatsoever with customer service.… show more
09/29/19
Thank you for sharing your experience, recently I was approved for an Open Sky card. My question is what are the payment options available? I have Discover and I have automatic draft. I can also setup payments through the discover app on my phone. I'm super excited to get this card!
Sep 06, 2019
You should only use this if you are desperate. There is no way to speak to ANYONE, NO customer service. It is all automated. You cannot argue about anything they do. For example I paid on tve first but the cycle ended on tve 6th so even though I had paid in full and only used it a minimal amount after that by the due date later that same month they called me delinquent. Don’t pay early or you WRECK your credit. No live person to discuss. Impossible.… show more
10/17/19
The only way I got a live person was to call to report the card lost. I then canceled the card. I was told that a payment would be due the following month. I completely closed the account. This angered the customer service rep who be came very curt. after that I was an annoyance ushered off as quickly as possible. No monthly payments, no annual fees, no worries. SATISFIED CUSTOMER.
Mar 08, 2018
In the beginning they were ok, then when I asked to close this account and what were the steps to take. They made sure That I couldnt catch up on the added fees and when I called them back to ask for a explanation of the charges and fees, I was basically snubbed. Then, my account was reported as late, then ultimately now charged off!! I had to file a dispute just to get the accurate amount to be reported?? I am confused, a card that once seemed to want to help you rebuild your scores, turned a complete 180 when you decide to end your debt. I am just wondering how can they get away with such practices? Is this because they are the reporters? and I am the little individual who's word was not valid. Thank God I had my final statement to prove Opensky aka Capital bank did not report my true balance. If I had not kept that, i would be looking at a double bill that i never owed...… show more
Aug 19, 2019
I've had this card for about 5 months and I have seen my credit scores increase over 100 points in that time. In addition bto this card I suggest anyone with credit issues to pay off your collections, open a self lender secured CD loan, open a few secured credit cards and watch your credit score increase with responsible use.
02/19/20
SOLID advice. It astounds me that people want to get more credit cards when they should pay off their old collection accounts FIRST. You're looking at an 80-point increase if you do that. And a self-lended loan is also a great point. It makes your credit mix more diverse and causes your score to go up.
Aug 15, 2019
OpenSky helped re-establish credit immediately after my bankruptcy. I started with $200 deposit, used the card sparingly for two months, paying balance each month to avoid interest fees. Credit score increased, allowing me to qualify for other non-annual fee cards. Closed the card and requested refund of my $200 and received it, no problems. Be sure to read all requirements carefully regarding payments. Also, a little hint. When going to cancel the card, there is no option for that on the phone, so chose "lost/stolen card" option. The customer service rep that answers can help with cancelling the card.… show more
Jul 25, 2019
I would not recommend open sky! I mailed a payment, on time, open sky held that payment for 3 weeks! Don’t waste your time! I tried calling customer service, they were no help. Open sky even assessed a late fee?
Jun 24, 2019
I was able to increase my credit score with an OpenSky credit card as part of the process. It is a great card for rebuilding your credit! As long as you keep your purchases low and paid off each month.
Jun 19, 2019
The first thing I want to say is that as I was in a very bad credit situation I understood that I could not wine about the limited credit line, interest rate, fees etc that this or any card for people like me offered. I am the one ultimately responsible for my position and I felt very fortunate that OpenSky gave me any chance to start to fix my credit. OpenSky has been fair and upfront about this card and in a very short time it has contributed to raising my score. To those out there who also are in a bad credit rating position, realize there is no quick fix but this card and other programs are what HAS TO BE DONE in the short term to get back on track. OpenSky has helped and for that I am grateful. Remember, if you want to dance, you gotta pay the piper.… show more
Jun 19, 2019
I got the Open Sky Secured credit card in December & here it is June. My credit score has went up more than 60 points!! Great card for rebuilding credit or even establishing credit. I would definitely recommend this card to my family and friends.
Jun 19, 2019
Opensky wanted me to give a review so here goes , this company says congrats for my score increase im in the high 700's now but i cant give them credit for my hard work. I mean i asked for an increase on credit in order to help protect against my credit usage which helps my credit score right i mean thanks for the 300 dollar card but i was recently denied by opensky for a credit limit increase which again help my credit score so no thanks too you guys at opensky for my current rise in score but anyway i was told better luck next year by opensky....l.m.a.o… show more
Jun 19, 2019
This is a great card to help start or rebuild your credit. Yes, you might have to pay a security deposit, but it's worth it in the end. My score has gone up over 100 points since having this card. I've also been able to establish credit history. The interest rate is a bit high, but if you pay off you balance you should be good. Great card!
Jun 16, 2019
This is the correct card is you have no history or bad credit score since they no check your credit at all. They only need to verify your identity. If you work smart with them, you will see a score increase sooner.
Jun 13, 2019
I am very grateful to have the OpenSky Secured Visa. It was my first step in the right direction. It reports my payments to the credit bureaus allowing me to begin to create a positive payment history for myself. This is such a great tool if you're trying to rebuild credit worthiness. I have to admit I love having a great credit score and having major companies seek me out with credit card offers. That's an amazing feeling. I have recommended this card to others. If you want to rebuild your credit it isn't too late and you are definitely worth it!
Good Vibes and Great Scores!!!… show more
Good Vibes and Great Scores!!!… show more
Jun 13, 2019
I love this card.. .my credit has went up almost 100pts and I havent had it a full year yet. If you figure out your formula u got it and just pay your balance on time or b4 time and i would also pay full balance if i can, not just the minimum. Also monitor your credit and put small revolving accounts on this card to have a constant card usage reflecting helps build credit. I have my spotify, netflix and other minor membership accounts paid for on this card monthly. This really helped me.… show more
Jun 12, 2019
Hi OpenSky I want to thank you for the opportunity to build my credit score. I’m very happy with my results, I give OpenSky 5 star because, not only did my score up but I now have a credit card to pay bills and get the things I would like have. Thank you OpenSky for everything. L.G.
Jun 12, 2019
Do not open a credit card with Open Sky because their interest rate is over 20% and you will never get your deposit back and they will never increase your credit line.
When you finally have to close the account to get your $200 back your score will drop more than it ever went up.
(Hint: your credit score will go down when you close credit card accounts .)
Go to Discover and open a secured credit card with them. You’ll get your $200 back within a year and they will raise your credit line to $2000.… show more
When you finally have to close the account to get your $200 back your score will drop more than it ever went up.
(Hint: your credit score will go down when you close credit card accounts .)
Go to Discover and open a secured credit card with them. You’ll get your $200 back within a year and they will raise your credit line to $2000.… show more
Jun 12, 2019
I applied for this card because I needed to rebuild my credit. Always made on time payments and saw my score improving after 6 months. I had to put two hundred into it but that also helps you to not overextend yourself as well. Thanks
Jun 12, 2019
It’s bad reviews like the ones I’m reading that almost caused me to not apply for this card. But listen, if your looking for a good starter card to help build credit, then I’m telling you now this is the one! I’ve built my credit pretty damn high thanks to open sky. Thanks to opensky since opening my credit has went up giving me the opportunity to get more credit cards.Apartment lease approval as well as an auto loan! It began with open sky!… show more
Jun 10, 2019
I made a payment 7 days ago and it has yet to post! The Opensky app shows the last payment amount and nothing has posted. The funny thing is when I made the payment they deducted the money from my account the very next day. I am thankful for the card however I recently received my Citi secured card and I will use that card moving forward. I will keep the Opensky card for a couple of years then close it. I definitely only use it once a month and pay it off the next day. #OpenSky Get your payments to Post faster!… show more
May 11, 2019
PLEASE PLEASE DONT GET THIS CARD ITS A RIP-OFF LISTEN ITS YOUR OWN $ you should have to paid any late fees for your shit. They will never contact u and tell u the payment wasn’t acceptable they will make it pass your due date then charge you like $124. 00 plus your payment that’s due.smfh then my credit score suffered ALOT. listen they make $from last fees that they causes by not informing you of your payment status. DONT GET DONT GET YOU CAN GET BETTER… show more
Apr 04, 2019
I mean it's been good for what I needed, but the fee's were INSANELY high and when I was ready to cancel there was NOTHING on the website, nor could I reach a real person on the phone. Just another endless circle of useless information. My suggestion - avoid them!
Apr 04, 2019
Great starter card to build credit. I got my card in October with $200 down and a credit score of 530 and it's has gone up over 100 points already!!! I have never had any problems. If you make your payment on time every morning month it's rewarding. Opensky reports to your credit report once a month..
Apr 03, 2019
I love OpenSky! My credit score has jumped tremendously and couldn’t be more happier!! I’ll keep this card a little longer and hopefully raise my score even more! Keep the utilization low and pay on time is the key! Hopefully I’ll get a credit increase soon and be even more happier!!
Apr 01, 2019
This is a good credit building card. I did lots of research after bankruptcy to find a card with fees I could live with and that did not want a fortune in high interest or yearly fees. Open sky was reasonable for a secured cared and I was able to build my credit rather quickly. I have had the card for almost a year now and it has proved to deliver as promised. I can not comment on what it takes to get your credit limit increased or how difficult it may be to close account and get your money back as I have not yet attempted those things. All in all it is as depicted.… show more
Mar 28, 2019
Not only did Open Sky raise my credit score faster than other credit cards but it gives me more points. I figures it was like any other card but it is better. I appreciate Open Sky approving me in my time of need when other did'nt. If you need or want credit score success like me and so many others, choose Open Sky and have a blessed day.
....G.Erwin
....G.Erwin
Mar 27, 2019
Like many of their users, OpenSky helped me build my credit by giving me a chance. When no other credit card company would, OpenSky trusted me. By trusting them, I am now moving to a house because they have helped me increase my credit score.
Mar 16, 2019
So if you open the card with a $200 deposit is there a way that you can increase your deposit after a few months or so? If so how would you go about processing something like that? And you guys should really think about lowering the character amount for this questions
Mar 14, 2019
Very good Secured credit card to start out with. When no one else would approve me not even for a secured credit card Open Sky did. Don’t hesitate, start your new journey to excellent credit. You won’t regret it !
Mar 13, 2019
Credit card has been amazing to me! My credit score was very low at 523 and was sitting at the score for a couple of years until I found open sky secure credit card I honestly didn’t know what to expect and after 11 months my credit went from 523 to 676!
Mar 13, 2019
Before I applied to OpenSky I had no credit history or even a credit score. In a matter of a few months ( 3 literally) my credit score was almost 700. I've had this card almost a year now and my credit score is 710. I am very pleased with their overall service. It's also easy to increase your limit just a simple phone call. I would recommend this card to anyone.
Jan 04, 2019
I love Open Sky. They were my first card when I needed to repair my credit a few years back. I made a $200 deposit and charged my Netflix account every month then paid in full. It reported as a regular credit card. I just closed my account and customer service was very friendly. I will be getting my deposit back within 30 days as I now have high limit cards through several major banks. Open Sky served its purpose well for me and I am very grateful.… show more
Jan 03, 2019
My bank sends payments by mail. Anytime the payment arrives close to due date, they claim it arrived a week too late and slam me with a fee. Can't do anything about it, although my bank assures me it was sent on time, it was deducted on the expected arrival date, other bill payments made it when they were supposed to... OpenSky claims payment late, late fee applied, interest applied - on an account paid in full. I've used the card once or twice last year, and the fees they've charged me exceed the purchase amounts by far. Ridiculous. Customer service is absolutely useless, they won't listen, just keep reading your account statement like you haven't seen it yourself and repeating a rehearsed spiel. It's extortion. I'm closing the card, don't care what it does to my credit.… show more
Dec 22, 2018
I'm a fan of open sky they have done me right since the start. I tried to get a loan in 2016 and found mr score was a 401. So I applied for this card and paid faithfully on it and I bought a new house in Sept of 18. It helped me go from a 401 to a 675 in 21 mo. I've never had the problems with customer service I hear about.
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Last updated on: March 30th, 2020 at 07:37
Editor's Pick
OpenSky® Secured Visa® Credit Card is an Editor's Pick for:
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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.
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 issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Mar 30th, 2020 at 07:37 ET