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FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard®

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

Most Asked Question About opensky®



The most common question people ask about opensky® is "How do I get my security deposit back?". This is followed closely by questions related to approval, fees, and customer service.

Here is a breakdown of the most asked questions about the opensky® secured credit cards:

1. How do I get my security deposit back?

  • You must either close your account with a zero balance or be invited to upgrade to an unsecured opensky® Gold Visa® Credit Card.

  • The card issuer, Capital Bank, can take up to 8 weeks to send the refund after you have closed your account and paid your balance in full, though it often takes less time.

  • Some customer complaints describe delays and difficulty in getting their security deposit returned.

    • 2. Can I get approved for an opensky® card?

  • opensky® is known for being highly accessible because it does not require a credit check for approval.

  • This makes it a popular option for those with poor or no credit history.

  • The main requirements are being at least 18 years old, having a U.S. address and a Social Security or Tax ID number, and making the minimum security deposit..

    • 3. What are the fees?

  • The opensky® Secured Visa® Credit Card has a $35 annual fee.

  • The opensky® Plus Secured Visa® Credit Card has no annual fee.

  • The opensky® Launch Secured Visa® Credit Card has a $24 annual fee during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.

  • A high variable APR is applied to balances carried over from month to month, so it is best to pay your balance in full.

    • 4. How can I build my credit with an opensky® card?

  • opensky® reports your payment activity monthly to the three major credit bureaus (Experian, Equifax, and TransUnion).

  • Making consistent, on-time payments and keeping your credit utilization low (under 30%) are the best ways to build your credit score.

  • In some cases, opensky® may offer a path to an unsecured credit card after six months of responsible use.

    • 5. What about the customer service?

  • Customer reviews on platforms like Trustpilot and the Better Business Bureau are mixed.

  • While some users report positive experiences, others complain about long hold times, difficulties reaching a representative, and poor communication.

    • 6. Is opensky® legitimate?

  • Yes, opensky® is a legitimate product offered by Capital Bank N.A., a public financial institution.

  • It functions as a legitimate secured credit card for building credit.





    • Found this guide helpful? Bookmark it for future reference as you continue your financial journey!

    Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score

    FICO® Credit Scores

    A FICO® Score is a specific, proprietary type of credit score created by the Fair Isaac Corporation (FICO). It is the most widely used credit scoring model, with approximately 90% of top U.S. lenders using a FICO® Score to make lending decisions.

    FICO® Score Ranges:

    • Exceptional: 800–850
    • Very Good: 740–799
    • Good: 670–739
    • Fair: 580–669
    • Poor: 300–579
    While many people (and credit education websites) use "Excellent" and "Bad" as general, descriptive terms, FICO® officially categorizes its score ranges as Poor, Fair, Good, Very Good, and Exceptional.

    What is a Credit Score?

    A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.

    Why is a Credit Score Important?
    A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.

    FICO® Credit Score Facts

    Key Characteristics of FICO® Scores

    • Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.

    • Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.

    • Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.

    • Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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