With a relatively low APR and annual fee, the OpenSky Secured Visa credit card is a great card for those with bad to fair credit. You won't earn any rewards, but you'll keep additional charges to a minimum, and you can qualify for the card without a credit check.
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.
OpenSky Reviews | Is OpenSky Legit? (
OpenSky is legally registered with the New York State Department of State's Division of Corporations in the state of New York. The company has been registered in this state since 2009.
Is OpenSky a good secured credit card? The OpenSky® Secured Visa® Credit Card doesn't require a credit check or a bank account, so it can be a great option for people with poor credit or who are unbanked. The card reports account activity to all three major credit bureaus, so responsible use can help you build credit.
No credit check is required when you apply for The OpenSky® Secured Visa® Credit Card, meaning there won't be a hard inquiry. This also means you won't be denied if you have a poor credit history. There are, however, a few minimum requirements you must meet.
Yes, the OpenSky Visa can be used everywhere Visa credit cards are accepted, including car rental agencies. ... So you'll need to have enough money in your account to cover the hold as well as the initial rental fees.
You can build credit with a secured credit card in as little as 1 month, but it will take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you're building credit from nothing or rebuilding damaged credit.
The OpenSky® Secured Visa® Credit Card reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. OpenSky reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian.
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.
Refunds. Your Deposit Account will be closed once you satisfy in full all your Account obligations under this Agreement. Upon the closure of your Deposit Account, Deposit Funds greater than $1.00 will be refunded within six (6) weeks.
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OpenSky doesn't require any credit check to apply for the card and offers everyone who is approved the same APR and credit limit range.
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