F.A.Q.
87% average approval rate.
Got questions? We’ve got the answers.
Secured credit cards are an excellent way to rebuild credit or establish credit for the first time. Secured cards operate just like an unsecured card. At OpenSky, we report your credit activity to all three major credit bureaus, which is what helps you build your credit over time.A secured credit card requires a refundable security deposit that is equal to the credit limit of your credit card. For instance, if you deposit $200, you would have a $200 credit limit. The refundable deposit you make when opening your account is important, because it means you can open an account without a credit check. If you have a poor credit history or even no history at all, you can still get a credit card and use it right away to start improving your credit score. The security deposit remains as long as you have the card and is held in an FDIC-insured account. The full amount (less any amounts owed) will be returned to you after your account is closed.
One of the benefits of your account is automatic monthly reporting to the three major credit bureaus. Paying your account on time, even your minimum payment, can help build a history of financial responsibility for you. A credit card is an important tool that lays the groundwork for your future finances.
Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies—Experian®, TransUnion®, and Equifax®—once every 12 months. Don't be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report; only https://www.annualcreditreport.com/index.action is the official site authorized by the Federal government."
You can use your OpenSky credit card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.
Capital Bank, N.A., is a publicly traded bank headquartered in Rockville, MD. Capital Bank has been providing financial services since 1999 offering a range of financial services to businesses and consumers in the Washington metropolitan area. For more information, visit https://www.capitalbankmd.com. Member FDIC. An Equal Housing Lender.
OpenSky® does not pull your credit — there is no credit check. You can get approved for our OpenSky® Secured Visa® Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky® Secured Visa® Credit Card works.
Yes, there is a $35 annual fee for the OpenSky® Secured Visa® Credit Card. There is no annual fee for the OpenSky® Plus Secured Visa® Credit Card. OpenSky® believes in being upfront. There are no hidden fees or charges. All of our pricing and fee information is transparent and can be reviewed:
OpenSky Secured Visa Card - Review Pricing and fee info here.
OpenSky Plus Secured Visa Card - Review Pricing and fee info here.
The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.
If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:
Western Union®
Mail a check
or money order
If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.
Yes, you can. OpenSky is one of the few card issuers that doesn’t require a checking account to apply.
On the credit line confirmation page of the application, simply flip the toggle switch to “No” for the “I’m ready to fund my card today” option.
Then, after you've been approved, you will receive an email with instructions on how and where to send in your deposit via money order or Western Union®.
Your credit limit is the maximum amount that you have been approved for on your credit card to make purchases. In the case of the OpenSky® Secured Visa® Credit Card, you have the ability to set your own credit limit by choosing your security deposit amount. Your credit limit can be as little as $200 or as much as $3,000, once the underlying security deposit is provided and the requested credit limit is approved.* We want to ensure you can make those payments to succeed in building your credit history.
*All applications are subject to approval.
When you apply for an OpenSky® Visa® Credit Card, we will ask you for your name, address, date of birth and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Capital Bank, NA.
Applications are usually processed within 24-48 hours. If your application is approved you will receive an email letting you know. After application approval, receipt, and processing of your security deposit your credit card is made and then mailed to you. This can take up to 12-14 business days.
In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email. Your responsiveness to these questions will determine the timing of receipt of your credit card.
Always be on the look-out for emails from OpenSky. Please note: this email address does not receive incoming emails.
Regular email updates are sent to applicants providing the status of their application throughout the entire process. To ensure you are receiving our emails, please add OpenSky to your contact list.
You can also check the status of your application online anytime! Simply visit www.openskycc.com, open the menu and click on the “Already applied? Check Application Status” link to request online access.
We will ask you to verify a few pieces of information and then send an email with a unique one-time passcode that will give you access to the status of your application.
Federal law requires that all financial institutions know and confirm their customer’s identity according to the USA Patriot Act. The USA Patriot Act was created to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.
Should you choose to withdraw your application, you may do so by contacting Customer Service at 1-855-763-6736.
We will notify you with an email from OpenSky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.
Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412. We will review your account to determine if there has been any unauthorized charges and a new card will be issued.
No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.
No. Your secured card will stay a secured Visa® credit card.
No. Security deposit funds are placed in an FDIC-insured account that does not earn interest.
Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.
Please refer to your Card Agreement for additional details related to your security deposit.
Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, choose the “Request Credit Line Increase” option in the “Account Services” section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.
Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412. We will review your account to determine if there has been any unauthorized charges and a new card will be issued.
No. Security deposit funds are placed in an FDIC-insured account that does not earn interest.
Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.
Please refer to your Card Agreement for additional details related to your security deposit.
Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. You will be directed to the online account management login page.
On a mobile device: Select the Menu option at the top and click Activate Card. Simply follow the instructions.
On a desktop: Look for the bright green Activate Card button on the top right. Simply follow the instructions.
You can update your contact information online. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. Log into your account, select the Account Services tab, and click on Update Contact Information.
Please contact our Customer Service Department at the phone number listed on your billing statement or on the back on your credit card. You may be required to show proof of name change prior to having your name updated in our system.
Requesting an increase is easy and can be done at any time. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. Log in and choose the Request Credit Line Increase option in the Account Services section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.
You can add or remove an authorized user by calling the number on the back of your card. Please note that to add an authorized user, you must be the primary cardholder on the account. Adding an authorized user can be done only after you have been approved for an account – not during the application process.
Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card, or you can click Contact Us.
Please contact our Customer Service Department by calling 1-800-859-6412.
Please contact our Customer Service Department by calling 1-800-859-6412. You may be required to provide a copy of the death certificate prior to closing the account.
You can close your account at any time by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.
Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.
Please refer to your Card Agreement for additional details related to your security deposit.
You can report your card lost or stolen by phone by contacting us directly at 1-800-859-6412. We will immediately place a block on your card and issue you a replacement card with a new card number.
Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.
Your new card will be automatically reissued to you the month prior to the expiration on your current card. If you have not received your new card, please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.
Yes. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top to log in. Bookmark the My Account page as one of your favorites and log in whenever you need.
Once your credit card has been activated, you’ll need to create credentials to log in to your Mobile App. First, enroll in online account management. Simply visit www.openskycc.com, open the menu and click the “My Account” button located at the top. Select the hyperlink “Need to Enroll?” It can be found below the Log In button.
The credentials you create for your online account management are the same ones that you can use to log in to the OpenSky app.
You can manage your payments and transactions in the OpenSky app right from your mobile phone or tablet, see your minimum payment due and next payment date, view recently posted transactions -- even make payments right from your device.
You’ll need to reset your credentials. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. On the MyAccount screen, choose Forgot Password, located below the Log In button, and follow the instructions. If you're still unable to sign in, please call us at the phone number listed on your billing statement or on the back of your credit card.
Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card for assistance.
The quickest way to access your account statements is by visiting our website at www.openskycc.com. Open the menu and click the “My Account” button located at the top and log in. To view or print a copy of your statement, Click on Account Information, and from the drop-down menu select Online Statements. You can also access your statements from within the OpenSky Mobile App. Simply login to your app to view your statements or download them to print copies. Statements are FREE online and via our Mobile App.
You can enroll in paperless statements from within My Account online ( visit www.openskycc.com, open the menu and click the “My Account” button located at the top) or from within your OpenSky Mobile App. After logging in, select Account Services, Paperless Statements, and then follow the prompts.
You can make monthly credit card payments using the following methods:
Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.Send in a check with the remittance slip that is included in your monthly billing statement.
Visit www.openskycc.com, open the menu and click the “My Account” button located at the top and log in. Select the Payment Services tab and choose to set up one-time or recurring online payments from the drop-down menu.
Your payment is posted the same day the payment is made provided it is received before the daily cut off time. It may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.
You may cancel a payment by logging into your account online at www.openskycc.com, opening the menu and clicking the “My Account” button located at the top, or via the OpenSky Mobile App and viewing the pending payments. This is only if the payment has not already been processed.
Yes, you may change your payment due date once per year by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.
You must pay off all or part of the balance before you can charge any more purchases. Regular monthly payments that pay down the balance frees up credit, no matter how much you have charged. If you charge up to your credit limit and fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus.
Your card can be used everywhere you see the Visa logo, worldwide. Additional currency exchange fees and other fees may apply. All pricing and fee information is transparent can can be reviewed:
OpenSky Secured Visa Card - Review Pricing and fee info here.
OpenSky Plus Secured Visa Card - Review Pricing and fee info here.
Yes. This is a great way to build credit while keeping your monthly expenses the same. Simply select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.
We report credit card account information to the credit bureaus once a month at the time your billing statement is generated.
Please contact the credit bureaus directly. You may need to authorize them to report the account.
Experian 1-888-397-3742
TransUnion 1-800-916-8800
Equifax 1-866-349-5191
It is not always necessary to alert us of your travel plans. However, you can advise us before traveling by calling the number on the back of your card. If you are already outside of the country, please give us a call using our international collect telephone number, 516-576-8685.
No credit check to apply
Easy application
No hidden fees
Turbocharged growth
- Build Your Credit
- Credit Line Increases
- Graduate to Unsecured Card
- F.A.Q.
- Contact Us
- Lost/Stolen Card
- Check Application Status
- Build Your Credit
- Credit Line Increases
- Graduate to Unsecured Card
- F.A.Q.
Already Applied? Check Your Status
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High 87% avg approval rate.