How Does the OpenSky® Credit Card Work?

Posted on December 16, 2020 in Credit Cards

The OpenSky® Credit Card is a secured Visa® card that can be a great tool for building credit. You’ll get all of the benefits that a Visa card provides, such as universal acceptance, fraud prevention, and mobile use. Whether you’re looking to rebuild your credit or new to credit, when applying for the OpenSky credit card you won’t need to worry about your current credit score.

OpenSky doesn’t check your credit or conduct a hard credit pull. Instead, you can set your own credit limit, anywhere from $200 – $3,000, and secure it by making a fully-refundable, one-time deposit.

Additional key OpenSky Card Info:

  • APR for Purchases: 25.64% (variable)
  • APR for Cash Advances: 25.64% (variable)
  • Late Fee: Up to $40
  • Penalty APR: None
  • Annual Fee: $35

This secured visa card can be used with all kinds of everyday purchases, helping you to build up your credit.

Now that you know about the OpenSky Credit Card, read our full review to find out more about how it works and other OpenSky card services offered.

OpenSky Credit Card Application

The application process for the OpenSky Credit Card is a simple, user-friendly, 5 step process. You can find the application here:

Step 1: Provide Personal Information

You’ll be asked to provide your name and an email address for your application.

Step 2: Provide Contact Details

You’ll then be asked to provide a home address and at least one mobile or home phone number.

Step 3: Provide Financial Information

The next step involves providing important financial information. This includes your total annual income, housing payment and payment type, SSN, and DOB. You will also be asked to choose a security word that will be requested if you need to contact OpenSky.

Step 4: Read the Agreements

The next step is to read through and agree to the Terms and Conditions for the OpenSky Visa Credit Card.

Step 5: Provide a Security Deposit

The final step in the application process is to provide a security deposit. The amount that you provide as your deposit is the credit limit that you set for your card. You can deposit as little as $200 or up to $3000.

You will also need to provide your credit card details.

Note: OpenSky does not share any of your personal information without your consent.

With this 5 step application process, you don’t need to worry about your credit score. Eligible individuals can apply to the OpenSky Credit Card without having a credit check conducted.

Check OpenSky Credit Card Application Status

After you complete your application and submit it, you can easily view your application with the “Check My Application Status” tool located on the OpenSky website. This tool can be found here:

You will be asked to input your email, and other simple identification information before checking the status of your OpenSky credit card application. If need be, you may also call the OpenSky phone number to speak with a card services member and review your OpenSky Visa application status.

Once Approved, Use the OpenSky Credit Card for Everyday Purchases

The OpenSky Credit Card can be used with everyday purchases. Using the OpenSky secured Visa credit card when buying gas or groceries or paying your bills can help you to build and improve your credit  if you make the necessary minimum payments each month.

TurboFinance suggests that consumers keep their purchases small and within their monthly budget, to ensure that they don’t overspend. Another tip is to use the OpenSky credit card login to keep track of your balance over the course of the month to ensure your spending remains on track.

OpenSky Credit Card Payment Options

One of the benefits of the OpenSky Credit Card is its easy-to-use Bill Pay functions. Read on below to find out how to pay your OpenSky credit card bill and learn about your options.

You can pay your OpenSky credit card bill in three ways:

1. OpenSky Credit Card Auto-Pay: This tool allows you to set up recurring payments for your OpenSky credit card bill, and even have email alerts sent to you to remind you when your payments are due.

2. OpenSky Mobile App: Download and install the OpenSky Mobile App to quickly and easily make payments, check your balance, view recent transactions and more. The openskycc mobile app is available on both Google play and the Apple app store.

3. Pay by Check: OpenSky also accepts bill payments by credit. You will need to include the remittance slip that is included in your monthly billing statement when mailing your check payment.

For additional help making payments or with any questions on how to pay an OpenSky credit card bill, you can contact the OpenSky credit card customer service phone number at 1 (800) 859-6412.

Keep Using Your OpenSky Visa Credit Card Account to Build Credit

A review of the OpenSky Visa Credit Card determines it’s a great step to building credit and improving your credit score. With routine use of your OpenSky credit card and consistently making the required payments, you can be on your way to a solid path of credit. One of the benefits of using OpenSky is that OpenSky will report your activity to the 3 major credit bureaus every month, helping you to boost your credit score. With the help of Opensky card services, using your Visa credit card appropriately can lead to a boost in credit every month of the year!

Looking for another OpenSky Visa review? Be sure to see why Credit Card Rewards rates this secured Visa credit card as one of the best picks for bad credit.

Searching for more credit card ideas? Take a look at popular cards below:

Principal Platinum Merchandise® Credit Card
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Reflex Mastercard® Credit Card
Total Visa® Credit Card
Upgrade Visa® Credit Card
Milestone Gold Mastercard®
Grand Reserve™ World Mastercard®: A Wine Credit Card Worth a Review
Horizon Gold Credit Card
Freedom Gold Card
First Progress Credit Card

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