Capital Bank N.A., is a Maryland chartered commercial bank offering business and consumer banking services through branches in the greater Washington D.C. metropolitan area alongside two nationwide lending brands: Capital Bank Home Loans, their mortgage division, and the OpenSky Secured Visa Credit Card. Since opening in 1999 amid a banking contraction and industry-wide consolidation, they have defied the odds and demonstrated consistent high performance with double-digit asset growth in the past seven successive years. Capital Bank’s personalized approach to business banking and the creative delivery of technology has helped fuel their continued growth.
Today, as a subsidiary of Capital Bancorp, Inc., they are a publicly traded company with more than $1 billion in assets (NASDAQ:CBNK).
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/03/2021.
6,588 reviews
from WalletHub and across the web
Do Not Recommend. The 5 stars are a front! Worst credit card I’ve personally owned. Contacting company is anything but convenient. Making a payment is anything but convenient or timely. I set up electronic arrangements, it's the only way to make sure it’s paid on time.. but they will take the money from bank.. after pending for 3/4 days the money is still not available for use, the longest I’ve waited was literally 3.. not 2 weeks and 3 days. 3 entire weeks. I called customer service and he claims in order to have funds posted to account faster I have to call my bank, get verification it’s been paid, call them back fax, or email over the verification and it will take a few hours up to 72. Most times I wouldn’t notice because I didn’t need to use the card, but once I did and couldn’t access my funds. Livid! They’ve also lost track of money in my account, after noticing an off-balance they counted it down and had no explanation on where the funds could have went.. supposedly to be investigated, haven’t heard anything back in over 2 months account is balanced now but still off by a measly 5cent but still no explanation on how the funds were not accounted for if everything is done electronically. Not to mention the fact that I’ve requested a PIN number for my card for over a year and then some, after ordering it at least 7 times, one actually finally showed up right before my two year anniversary with them, so sweet.. but with that.. after so much time not having a pin, customer service recommended I take advantage of the cash advance feature. Not until my second advance I noticed and called.. they casually tell me “oh yeah there’s a $6 charge for every advance.“ After a good two years I’ve had enough. I read the reviews and seemed like a good idea, they said they loved it and all these cute things.. No. I Do Not Recommend.
It's highly recommended! Just pay your balance on time in full and don't go over 30% of your credit limit,otherwise will be a temporary bump on your credit score.
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
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.
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