Cardholders can set up OpenSky® Secured Visa® Credit Card automatic payments through their online account or the Capital Bank mobile app. Calling customer service at 1 (800) 859-6412 also is an option. Once you're enrolled, Capital Bank will withdraw the payment amount from your linked bank account on the scheduled date.

How to Set Up OpenSky Automatic Payments:

1. Log in to your online account via the Capital Bank website or mobile app.
2. Find the “Payments” on the account home page and then select “Monthly payments.”
3. Enter your bank account routing number and account number. This is the account from which Capital Bank will deduct your payment each month.
4. Select your payment amount. Choose from the minimum amount due, the current balance, the statement balance, or a customized amount that is more than the minimum payment.

You should always make sure your bank account has enough funds for the payment a few days before the due date, to be safe. And once you're in enrolled in automatic payments, don't forget to review your recent transactions regularly.

A credit balance refund on the OpenSky® Secured Visa® Credit Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they...

The OpenSky card's late fee is up to $38. You will be charged with it if you fail to pay your monthly minimum by its due date.

To avoid being late with your payments, I suggest setting up autopay from your online account or via the OpenSky Mobile...

You cannot go over your OpenSky credit limit. Capital Bank won't approve purchases that exceed your limit.

Going over your credit limit isn't a good idea, anyway. It's best to just request a credit limit increase online or over the phone at (800) 859-6412. If approved, a customer...

The OpenSky grace period is 25 days. It's the time between the close of a billing cycle and when your bill is due. If you pay your bill in full in these 25 days, you won't be charged with interest.

Keep in mind, though, that grace periods aren't permanent. You...

You can unblock your OpenSky credit card by calling 1-800-859-6412 or the number on the back of your card.

You could also send OpenSky a request to unblock your card via mail to the following address:

OpenSky Card Services
PO Box 9224
Old Bethpage, NY 11804-9224

The OpenSky APR for purchases is 21.64% (V). The V at the end stands for “variable” and it means that the APR can changed based on the economy. There's no balance transfer APR since balance transfers are not supported.

This card comes with a 21.64% (V) cash advance...

You can get the OpenSky Secured card without an SSN by using a ITIN (Individual Taxpayer Identification Number) instead. Other requirements for getting this card are:

• Being at least 18 years old
  
• Being a U.S. citizen or a permanent resident
  
• Having enough income to cover your expenses
  
• Not having more...

You can set up autopay for your Opensky credit card from your online account or through the OpenSky Mobile App for iOS and Android.

In the Payment Services tab's dropdown menu you have the option to set up the recurring online payments.

To cancel a payment you've...

You cannot get an Opensky credit card with a cosigner, unfortunately. However, it accepts applicants with bad credit, so you should qualify for it with ease.

You can also add an authorized user to your OpenSky credit card. Call customer service at 1-800-859-6412 for specific guidelines or consult your cardholder...