Accepted Credit Scores
Limited History, Bad Credit
OpenSky® Secured Visa® Credit Card
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- Issuer's Customer Service: 800-859-6412
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Existing Cardholders
- Issuer's Customer Service: 800-859-6412
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Editor’s Take
John Kiernan, Credit Card Editor
June 18, 2021
Review: OpenSky® Secured Visa® Credit Card
The OpenSky Credit Card is a good choice for people with a bad credit score who want high approval odds more than they want rewards. There is no credit check for new applicants, and the OpenSky Card’s main benefit is the opportunity to build credit at a reasonable cost, considering the card’s $35 annual fee.
Without a credit check, the OpenSky Card’s main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with monthly bill payments.
Below, you can find additional information to help you make up your mind about applying for the OpenSky Secured Visa.
For more help finding the best credit card to rebuild your credit, plus specific credit-improvement advice, sign up for a free WalletHub account. You can also track your progress with free credit scores and reports.
Without a credit check, the OpenSky Card’s main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with monthly bill payments.
Below, you can find additional information to help you make up your mind about applying for the OpenSky Secured Visa.
OpenSky Secured Credit Card Review Highlights
No credit check is great news for credit-rebuilders
Nearly all credit cards – including secured cards – require a credit check and have certain approval criteria that applicants must meet. For example, it can be difficult to get many secured cards if you have a recent bankruptcy or tax lien on your record. But that’s not the case with the OpenSky Credit Card. OpenSky simply needs to verify your identity. This saves you from a hard credit inquiry that could temporarily lower your credit score, while enabling you to begin adding positive information to your credit reports as soon as possible.$200 minimum security deposit
The OpenSky Visa is a secured credit card, which means you will be required to place a refundable security deposit, the amount of which will act as your credit limit. This limits the issuer’s risk, giving applicants higher approval odds and fairly low fees. At $200, OpenSky’s required security deposit is lower than that of most secured cards.$35 annual fee isn’t cheap or expensive
OpenSky’s annual fee is about average for a secured card, according to WalletHub data. So it isn’t necessarily a deal-breaker. But there are some secured cards with no annual fee, which you should definitely check out if your credit isn’t too severely damaged.There are more fees to watch out for
The OpenSky Secured Credit Card charges a 3% foreign-transaction fee.Average APR, but financing still isn’t wise
Carrying a balance from month to month with a secured card doesn’t make much sense because it’s basically the equivalent of charging yourself for a loan. But if you’re unable to pay your bill in full during a given month, your balance will accrue interest at a 17.39% (V), which is about what the average secured card charges, according to WalletHub’s latest Credit Card Landscape Report.For more help finding the best credit card to rebuild your credit, plus specific credit-improvement advice, sign up for a free WalletHub account. You can also track your progress with free credit scores and reports.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
June 18, 2021
OpenSky® Secured Visa® Credit Card's Key APRs & Fees
| ONE-TIME FEES
|
|---|
| None |
| ANNUAL FEE
|
| $35 |
| MONTHLY FEE
|
| None |
| REGULAR RATE
|
|---|
| 17.39% (V) |
| GRACE PERIOD
|
| 25 days |
OpenSky® Secured Visa® Credit Card's Highlights
| No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. |
| The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. |
| Build credit quickly. OpenSky reports to all 3 major credit bureaus. |
| 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months. |
| We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.) |
| *View our Cardholder Agreement located at the bottom of the application page for details of the card |
OpenSky® Secured Visa® Credit Card's Additional Info
| MAX LATE FEE
|
$38 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| FOREIGN TRANSACTION FEE
|
3% |
| SMART CHIP
|
Yes, chip-and-signature |
-
CASH ADVANCE APR
17.39% (V)
-
CASH ADVANCE FEE
5% (min $6)
- Last updated on 6/18/2021
at Capital Bank's secure site
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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.
Does the OpenSky credit card help build business credit as well as personal? Reply 4votes4votes
WalletHub
@WalletHub
The Open SkySecured Visa is a general-consumer credit card that reports monthly account information to the three major consumer/personal credit bureaus: TransUnion, Equifax and Experian.
With that being said, using the OpenSky Card responsibly and improving your personal credit standing will also help you get better business credit cards. Given that credit card issuers hold small business owners personally liable for unpaid balances, your personal credit is far more important to business credit card approval than your company’s standing.
You can learn more about building business credit here.
4
Upvotes
What's the OpenSky income requirement? Reply 3votesvotes
Thierry Webster
@thierry_webster
The OpenSky credit card doesn't have an actual income requirement. You only need to have enough money to pay your monthly bills and afford at least a $200 security deposit.
Capital Bank, the issuer, will not do a credit check, and you don't need to have a stable income to get approved for it.
Since it's a secured card, your initial security deposit of at least $200 will serve as your credit limit. This way you won't be able to spend more than you can afford.
While it might seem like a great opportunity for people without an income or looking to build their credit, let's not forget that this credit card also has a $35 annual fee. You will be charged with it when you open your account.
3
Upvotes
How much is the OpenSky foreign transaction fee? Reply 3votes1votes
Jake Clark
@jake_clark
The OpenSky foreign transaction fee is 3% of any purchase you make in another country, or from merchants based outside the U.S.
So it's not ideal to use it for international online shopping, or while traveling.
If you're looking for a secured card without a foreign transaction fee, I'd suggest the Capital One Secured Mastercard.
3
Upvotes
How can I set my OpenSky credit card to paperless statements? Reply 3votesvotes
Michael Pike
@michael_pike
You can set your OpenSky credit card to paperless statements by accessing your account. What's more, you can access your monthly bills and set up recurring payments.
You can do this online or through the OpenSky Mobile app.
It's a good idea to go paperless, since OpenSky charges $3 for a paper statement. Make sure that after setting this option there won't be any charges to your account for it.
3
Upvotes
Can you get approved for the OpenSky card with no credit? Reply 3votesvotes
Gregg Powers
@gregg_p
Yes, you can get approved for the OpenSky credit card with no credit.
This card is a great choice for people with damaged or no credit, as it doesn't do a credit check during an application. By being a secured credit card, it should also help build credit by adding positive information to your credit reports.
For other credit cards not requiring credit, check out this list.
3
Upvotes
Do I need a checking account to get the OpenSky credit card? Reply 3votesvotes
Vivian Harper
@vivian_harper
You do not need a checking account to get the OpenSky credit card.
In addition to that, you can qualify for the OpenSky credit card with no credit check and no bank account. However, there's an annual fee, and the card doesn't give you a way to upgrade to a regular unsecured card.
3
Upvotes
What bank issues the OpenSky Credit Card? Reply 3votesvotes
Scott Ackerman
@scott_ack
The OpenSky Credit Card is issued by Capital Bank.
Capital Bank is a mid-sized bank focused on serving the diverse needs of business owners in the greater Washington, D.C. metropolitan area. You can learn more about them here.
3
Upvotes
When will my Opensky payment post? Reply 3votes1votes
Faith Massey
@faith_massey
Your Opensky payment is posted the same day the payment is made provided it is received before the daily cut off time.
However, it may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.
3
Upvotes
What happens if I overpay my Opensky? Reply 3votes1votes
Derek Miller
@DerekMiller
If you overpaid your Opensky credit card, simply leave the credit balance on your account and spend it down.
As your charge other purchases, the amount you overpaid will eventually be used up.
3
Upvotes
When can I get my Opensky credit card deposit refunded? Reply 3votes3votes
James Bronzz
@jbronz
It can take up to 50 business days to get your OpenSky credit card deposit refunded. That is normal for secured card cards since they want to make sure you don't have any auto pays that attempt to charge after closure.
3
Upvotes
OpenSky® Secured Visa® Credit Card Video Review
OpenSky® Secured Visa® Credit Card Reviews
Share your insights and review the OpenSky® Secured Visa® Credit Card.
Jun 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
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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
02/19/20
This isn't a prepaid card which deducts charges you make with it. It's a credit card backed by your deposit. Prepaid cards don't report to the credit bureaus. This one does.
If you can't pay your bills due to a payment that wasn't "acceptable" then that's probably why you got late fees. And it's YOUR responsibility to keep track of payment status, not theirs. Check your bank account or whatever you have to to make your payments! This is called responsible credit card use. If you screw up with this credit card, good luck trying to find credit with someone else.… show more
If you can't pay your bills due to a payment that wasn't "acceptable" then that's probably why you got late fees. And it's YOUR responsibility to keep track of payment status, not theirs. Check your bank account or whatever you have to to make your payments! This is called responsible credit card use. If you screw up with this credit card, good luck trying to find credit with someone else.… 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.
Dec 21, 2018
Love OpenSky! Went from a 500 credit score to a 715 score in less than a year. Didn't think that was possible, but here I am jet-lagged from being back from our one-week vacation in Honolulu, Hawaii. Lol.
Dec 04, 2018
Payment processing is honestly horrible. I've had them issue payment reversals twice. Twice may not seem significant, however, it is because they report to the credit bureaus monthly. Yes, the money has been available. It seems as if they reverse the payments to charge you. I literally just finished talking to customer service with a couple thousand in my account trying to find out how my payment wasn't accepted. My credit limit is $200 on the card. If your credit needs help, don't let Opensky hurt you. It's trash. This is a sincere and honest review.… show more
Nov 20, 2018
so far, I’m loving this card! I opened it because, I had NO credit history. It’s been almost 5 months, and I have not had any problems with this card. Transactions are quickly processed, and payments are quickly processed. My credit score is doing well. I’ve never missed a payment. I always pay in full. I always only use 9% of my card each month to increase my credit score.
Oct 25, 2018
Worst customer service I've ever dealt with. No one cares at all and they're all rude. Do yourself a favor and use a different card. Dont want your time with these people. ......................................
Oct 22, 2018
I was very skeptical going with Opensky after reading a lot of unpleasant reviews, but i decided to give them a chance. I got approved and sent my deposit via wire transfer through my bank. They received my deposit the very next day. I received an email that my new credit card was on the way and I got it in the mail about 3/4 days later. I’ve been a cardholder since September 2018. The only thing I don’t like is when you make a payment your credit isn’t available for 5 days. Other than that so far so good!… show more
Sep 27, 2018
Not the best card, but it gets the job done. My credit was a 485 in April 2018. I used opensky to help build my credit. I paid my balances in full for 2 months and my score shot up 80 pts! I qualified for better, unsecured, cards and my credit score is increasing month over month. I will potentially close this account when my score gets to 699 and I get my deposit back. I only have 45 more points to go ??????… show more
Sep 03, 2018
My payment due date on this card is the 10th of each month. I made a payment on July 25th. I waited and waited and the due date was approaching and the payment wasn’t yet applied to my account. Finally on the 10th of August my payment was applied right on time. Then I waited for my available credit to be updated. It took literally 3 weeks for this whole process between processing the payment and updating my available credit! By August 20th around there, my available credit was updated. I really want to cancel this card. I never seen a credit card company take this long to process a payment and update your account. Literally almost a month! It’s ridiculous! I would have kept this card if it wasn’t for the delay payment processing they have going on. Overall it would’ve been a great card aside from this.… show more
09/05/18
I had that same issue for what seems like a year when I got this card. It's been 2.8 years now and they process my payments in 3 days or less. I don't know if it's because I use my Bank of America checking account to pay or what...
Aug 17, 2018
Depending on when you make your payment you could wait for up to 8 days to have available credit. They take 5 business days to process payments over $50. So if you’re depending on the funds to process like any other card I would look else where.
Aug 10, 2018
Dont believe the idiots writing bad reviews for Opensky!!! I am a born complainer and i hate pretty much everything, but one thing i love is my Opensky card. I only paid $200 to have it opened. At first i was skeptical that it would help my credit but thought for $200 it was worth the risk. I chose Opensky over thr other cheap secured cards because it had the best terms and conditions, and no crazy stuff like the other companies. I got it and started using the card once a month, the tip is to NEVER charge more than $35 to the card or your credit rating will go down a pretty significant number. I made that mistake when i first got it and racked up nearly $100 on it and my score went down 52 points. I paid that off quickly after i saw my score dropped and for the past 4 months ive kept it at no higher than $35, and paid the minimum $25 every month. They offer an automatic payment option which will take the money out of your bank account on the due date which is great for people like me that is very forgetful. Over a total of 5 months, my credit score has gone from 514 to 652. This card is the best option you can go with if you want to rebuild ur credit, if youre thinking about it dont hesitate go to their site and get one right now!!!… show more
Aug 08, 2018
Worst customer service EVER!!!! How can you not see what a previous agent told a customer when I quote,” you say all calls are monitored and recorded”. Never received my original card which was mailed on July 25 and here it is August 8 and still no card. Spoke to a manager yesterday August 7 about not getting the card and she assured me she could order a new one and have it sent via FrdEx in 2 business days(Thursday) and told me to call back the next day(Wednesday) for the tracking number. Upon calling I was told it would take a day to close the account and would not get the card until Friday and to call back tomorrow for the tracking number. No one at this place has any idea on what to do and how to do it. Closing my account if the card is not here but Friday, will be doing an update.… show more
Aug 07, 2018
This card is horrible! It stated I owed $160, so to get it paid off and be done, I sent in the exact amount, but my card was never paid off! I haven't used this card in over 6 months, but yet I'm still paying on it, how? I have a $200 credit line, but yet I have paid over $600 and it's still holds a balance! Idk what to do!?
10/17/19
Get copies of all bills and payments. Compare the two, then if there is a discrepency, contact OS in writing to resolve issue. thereafter you can dispute your account. Written response must be given.
Jul 27, 2018
These are Professional Thieves. This is the worst credit card company ever, if there was a zero that would be my rating for them. They'll make sure they steal from you in one way or the other.
If not false charges, its interest fee or late payment fee even if you're not late or some mailing statement fee. Just to make sure they get some money from you. If you see them--- One word---RUN !!!
If not false charges, its interest fee or late payment fee even if you're not late or some mailing statement fee. Just to make sure they get some money from you. If you see them--- One word---RUN !!!
Jul 19, 2018
Horrible experience with this company! Terrible customer service! Huge waste of time...so frustrated! They wouldn't process my payment and wouldn't give an explanation as to why, there was more than enough money in the bank and my bank said they "pinged" (whatever that means) them for the charge and it was approved yet they didn't take the money. then when I called the customer service line they wanted me to mail...yeah MAIL them a check and refused to take the payment from my debit card over the phone.… show more
Jul 07, 2018
This thing and this company that issues it is pure trash. Sure you get an instant boost to your credit score. Then you use the thing.
They are so slow at processing payments that my magic boost in credit score was eradicated by a very quick report that I was over limit ( due to the very slow payment process and a $3 paper fee). I have consistently paid to keep the balance as close to zero as possible, but it takes 5 full business days for them to do anything.
Customer service is atrocious. I regret opening this thing. Do yourself a favor and take the higher interest rate option with the legitimate banks Capital One or Chase. These people that run Open Sky are terrible in every way imaginable.
Oh and since they are so slow to process payments to make absolutely sure you have a balance they will only take four payments during a 30 day period. Who issues credit secured or not and doesn\'t want repayment?
This thing is not worth the time or effort.… show more
They are so slow at processing payments that my magic boost in credit score was eradicated by a very quick report that I was over limit ( due to the very slow payment process and a $3 paper fee). I have consistently paid to keep the balance as close to zero as possible, but it takes 5 full business days for them to do anything.
Customer service is atrocious. I regret opening this thing. Do yourself a favor and take the higher interest rate option with the legitimate banks Capital One or Chase. These people that run Open Sky are terrible in every way imaginable.
Oh and since they are so slow to process payments to make absolutely sure you have a balance they will only take four payments during a 30 day period. Who issues credit secured or not and doesn\'t want repayment?
This thing is not worth the time or effort.… show more
Jun 25, 2018
Update: My card came on 6/5 and I set up my bank account for the payment draft. I paid the $35 fee in full and I saw a disclaimer that said that payments could take up to seven business days to post. I’ll be paying my Netflix account each month with this card and will pay the card balance in full each month. I haven’t had an occassion to contact customer service yet so I can’t comment on that but my credit score did go up 15 points on Transunion and 14 points on Equifax. I need to check my Experian score to see if has benefited from being approved for this card. So far, so good! ??????
I just applied for this card about an hour ago. The application process was seamless and about 15 minutes after I applied, I received two confirmation emails letting me know that the card would be delieved in 7 to 10 days and that my $300 deposit has been drafted from my bank account. I saw that they had a $35 annual fee up front and saw the interest rate was 18.99% (and I think that I saw a 3% cash advance fee or something to that effect). I read through all of the terms and conditions and didn\'t see any hidden fees or the like. My plan is to set up my Netflix and Hulu payment to come out of this card for the next 8 to 12 months and once my credit score improves (currently 562 Transunion, 594 Equifax, and 594 Experian) I will consider applying for an unsecured card with Discover or some other company. The only real negative that I see with this card is that it takes up to 14 days for payments to post so I will make sure that I am very strategic regarding when my payments are drafted from my bank account in relation to when Hulu and Netflix takes their fees. Overall, I\'m not expecting more than this card to help me repair / build my credit. Use it responsibly folks and it ought to do what you need it to do.… read more… show more
I just applied for this card about an hour ago. The application process was seamless and about 15 minutes after I applied, I received two confirmation emails letting me know that the card would be delieved in 7 to 10 days and that my $300 deposit has been drafted from my bank account. I saw that they had a $35 annual fee up front and saw the interest rate was 18.99% (and I think that I saw a 3% cash advance fee or something to that effect). I read through all of the terms and conditions and didn\'t see any hidden fees or the like. My plan is to set up my Netflix and Hulu payment to come out of this card for the next 8 to 12 months and once my credit score improves (currently 562 Transunion, 594 Equifax, and 594 Experian) I will consider applying for an unsecured card with Discover or some other company. The only real negative that I see with this card is that it takes up to 14 days for payments to post so I will make sure that I am very strategic regarding when my payments are drafted from my bank account in relation to when Hulu and Netflix takes their fees. Overall, I\'m not expecting more than this card to help me repair / build my credit. Use it responsibly folks and it ought to do what you need it to do.… read more… show more
May 10, 2018
The WORST! First, HOOORRIBLE “Customer Service.” I’ve had to call 4 different times in the last nine months about mysterious, INCORRECT, charges (that they added on my card again) and every single time, I was astounded by the absolutely horrible customer service. I know I might come across as rude right now with some of my all caps, but I am extremely kind and pleasant when treated nicely. Unauthorized hidden fees disguised as foreign things, or cash advances you’ve never taken. I’ve had to decline paper statement THREE times now because they keep adding it back on (and its ridiculously high charge), and then even when they’re completely in the wrong, they refused to take it off and since we’re at their mercy, there’s not a damn thing we can do.… show more
Apr 18, 2018
I’ve been trying to move but my credit was at a 560 and realators want you to have at least a 620. So i went ahead and applied for Opensky. I deposit $500 and was approved on March 2,2018. The $35 annual fee was taken out right away. I made 2 purchases totaling $75. April 12 i checked my account online and there was a balance of $110 but only $35 was due not until May 13. I went ahead and paid the $35 right then And there. Today April 18 i Wakes Up To a notification from Experian saying that my score has changed. I was afraid at first because the notification icon was Red. I logged into Experian to see that Opensky was added to my credit and my score went up 49pts. I have nothing bad at all to say about this card. My plan is to never purchase more then 30% of my limit and whatever purchases i make to pay in full within a month.… show more
Mar 25, 2018
Great credit card for rebuilding credit. Just when I thought I'd never have another for awhile I was approved to help start working on my credit after a costly divorce. Now I have 2 more cards added & even though they are all secured credit cards it's better than where I was at to begin with. Thank You Open Sky.
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
Feb 26, 2018
If your denied for the secured credit card will it go on your credit report for a hard inquiry.? Also is everybody approved for this card as long as you can identify their identity? And have the security deposit
03/23/18
From what I’ve read as long as you have the security deposit and a bank account you will not be denied. I know some credit companies do pull your report and it will be a hard inquiry. So I suggest before applying for any secured card you call the company and verify.
Feb 26, 2018
Sent in money to increase my balance on 2/6/18. The money has yet to be applied to my account as of 2/26/18. The company has been less than helpful and very unprofessional in resolving this issue. No one seems to have the authority to help.
04/15/18
Laura My name is Cliff I have mainly medical on my credit report that are mainly with one company. How much does he charge for services? If it's reasonable I'll tell him you referred me. What is this with the trial you mentioned?
Thanks, Cliff
Thanks, Cliff
04/14/18
I used to have a very poor credit score until I was referred to [email protected] He help me revive my poor credit score.. I couldn't believe it myself until I check and confirm that my credit score has changed from poor to excellent.. He's a professional in this you also can give it a trial.. tell Him Laura referred you. Thank me later
Feb 21, 2018
Opensky is the best! They helped me get my credit back on track. The customer service are actual people with real concern for their customers, they explain everything to you to keep you on track. I recommend Opensky to everyone trying to rebuild their credit.
Feb 14, 2018
I have read some of the success stories and they are great. Mine is similar. A five year road that has not been pretty. Opensky has been a tool/solution to get to the 700 club (fico). Very efficient and I will continue to use them even after full repair because they have been with me the whole way. The new website is much more efficient. For those nay sayers. Step back and maybe examine with enlightenment. Top Tier cards still have their issues too. Pay your bills and be frugal and the process will slowly be true to you. As with all good things, it is what you put in to the process.… show more
Feb 13, 2018
Gets the job done. If you use it correctly you can and will see an increase on your credit score. Im satisfied with it so far. Unfortunately, your credit limit will not increase unless you put more money down.
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
Pramod Iyer
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.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: Jun 18th, 2021 at 08:44 ET
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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: Jun 18th, 2021 at 08:44 ET