OpenSky® Secured Visa® Credit Card

The OpenSky Secured Visa credit card is a good option for people with bad to fair credit because of its low APR and annual fee. You won't get any benefits, but you'll save money on extra fees, and you won't have to worry about a credit check if you apply for the card. The OpenSky Secured Visa is a fairly basic option when it comes to secured credit cards. You won't receive any rewards because your initial credit limit is equal to a security deposit. The card's extra features are modest, consisting primarily of fraud protection and account alerts. The low annual fee and APR, on the other hand, distinguish this card as a good choice for those who need to improve credit over time but may need to carry a balance.

This deserves your Attention!

• To apply, there is no need to run a credit check. OpenSky believes that everyone deserves a chance.
• Your Visa card's credit line limit is determined by the refundable* deposit you make. It starts at $200 and goes up from there.
• Quickly establish credit. All three major credit bureaus receive records from OpenSky.
• In as little as six months, 99 percent of our customers who started without a credit score were able to establish a credit score record with the credit agencies.
• Contact the bank through email or visit their nearest office and know all the details before signing for the card. You can also contact the bank through a phone call.
• Read all the reviews online before thinking about applying, it really helps with the decision making

Rates, fees & offers

• Annual fee- $35
• Rewards rate- N/A
• Bonus offer- None
• Intro APR-N/A
• Ongoing APR-APR: 17.39% Variable APR
  Cash Advance APR: 17.39%, Variable
• Foreign transaction fee - 3%

Advantages:

• No credit check: When you apply for the OpenSky Secured Visa Credit Card, Capital Bank does not check your credit, thus your credit score will not be affected.
• Refundable Deposit: A $200 to $3,000 security deposit is required for the OpenSky Secured Visa Credit Card, and the amount of your deposit determines your initial credit limit. Within ten weeks, you'll receive your entire money back.
• Credit reporting: Like other major credit cards, your activity on the OpenSky Secured Visa Credit Card is reported to all three main credit bureaus.

Disadvantages:

• There is no welcoming offer: There is no initial incentive with the OpenSky Secured Visa Credit Card.
• There are no rewards with this card because it does not have one.
• Card fees: In addition to a $35 annual fee, this card has a $6 cash advance cost or 5% of the value of each advance (whichever is greater), a 3% foreign transaction fee, a $38 late payment fee, and a $25 returned payment fee. This means that every month you have an account balance, you'll pay at least $1 in interest, even if your real interest is less than $1.
• A minimum interest cost of $1 applies to OpenSky Secured Visa Credit Card users.

Having Problem with OpenSky® Secured Visa® Credit Card?

The customer service phone numbers and addresses for the OpenSky® Secured Visa® Credit card are listed below. Just give them a phone call.

Customer Care number is 1-800-859-6412.Easily Reach out to them and get the problems resolved, You can also visit OpenSky 372 E 6th St. Chico, CA 95928 Or can write them at email address: help@opensky.com

Still having trouble! No problem, Cancel the Card!

Cancellation of card is an easy task. You can cancel your OpenSky credit card by calling their customer service 24/7 at 1-800-859-6412. Your security deposit will be refunded to you by mail once your account is closed and your balance is paid in full. This process could take up to 6 weeks.