Please contact our Customer Service Department by calling 1-800-859-6412.
Where do I find my account number for OpenSky?
Enter account number shown on your card. *Your CVC/CVV Number is found on the back of your card on the signature panel. It is comprised of the last three digits appearing on the signature panel.
How do I log into my open sky account?
To log in to your OpenSky® Secured Visa® Credit Card account, go to the login page on the Capital Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log In” to access your online account.Jul 7, 2021
How do I speak to an open sky representative?
Our Customer Service team is available by phone at 1-800-859-6412.
How do I get my money back from OpenSky?
Upon the closure of your Deposit Account, Deposit Funds greater than $1.00 will be refunded within six (6) weeks. If the Bank determines the Deposit Funds shall be released, we will either return the funds using an account which the Bank has previously verified, or by some other method The Bank deems sufficient.
Who owns OpenSky CC?
Capital Bank N.A.
Does OpenSky increase your credit limit?
You can get a OpenSky credit limit increase by requesting it through your online account and if approved, adding more funds to your security deposit. OpenSky does give credit limit increases, but you must request them.
Is OpenSky a real credit card?
The OpenSky® Secured Visa®Credit Card is a secured credit card that's not only packed with features, it's also a powerful credit-building tool. Instead of being offered a credit line based on your past credit history, you choose your credit line and secure it by making a one-time, refundable deposit .
How do I increase my credit limit with open sky?
Simply log in to MyAccount at OpenSkycc.com 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 the increase to your credit limit.
How often does OpenSky increase your credit limit?
Does OpenSky increase your credit limit? You must request all credit increases. In your first year, you can increase your credit limit for free up to a maximum of $3,000 by sending in an additional deposit. In your second year, you will pay $25 to make any changes to your credit limit.
Does OpenSky upgrade to unsecured?
Can I upgrade OpenSky Secured to an unsecured card? The issuer of the OpenSky® Secured Visa® Credit Card doesn't offer the option to upgrade to an unsecured credit card. Once your credit improves, you can apply for an unsecured card from another issuer, close your account and get your deposit back.
Does open sky raise credit score?
OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years. Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card. Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months.
How do I get approved for open sky?
Without a credit check, the OpenSky Card's main approval requirements are being 18+ years old and having enough income to afford a $200+ security deposit, along with monthly bill payments. Below, you can find additional information to help you make up your mind about applying for the OpenSky Secured Visa.
How long does open sky take to approve?
24-48 hours
Does OpenSky do a hard inquiry?
No, the OpenSky card does not do a hard pull on your credit report. In fact, OpenSky does not perform any credit checks. OpenSky is a secured credit card designed for those looking to rebuild their credit, so it is available to applicants with bad or no credit. OpenSky requires a minimum security deposit of $200.