The Open Sky Secured Visa® Credit Card is a secured card from Capital Bank that you can use to help rebuild your credit. Your credit limit is determined by the security deposit you provide. Credit lines range from $200-$3,000.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $35
- Intro Purchase APR -
- Regular Purchase APR 18.39% Variable
- Signup Bonus None
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 3%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR N/A
- Cash Advance APR 18.39% Variable
- Penalty APR 21.50% (Variable)
- Late Fee Up to $27
- Returned Payment Fee Up to $25
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- Reports to 3 Major Credit Bureaus
- No Credit Check
- This card comes with Visa benefits. You will be provided with a list of benefits available to you once you get approved for your card.
Read about experiences others have had with this card and leave your own review here.
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You will have to call this card company at least twice a month for issues and each time you will be on hold at least an hour. The actual card is an actual secured card but it will give you more problems than you can imagine. It also takes at least a week for them to transfer and post your payment. If you make a payment less than 6 days before it’s due, you will need to give them a $9.99 fee.
DO NOT GET THIS CARD! The only reason I chose THIS card is becasue they tell you that you do not need a bank account. I tried to make a payment and now they tell me I need a bank account. Then when I asked to cancel the card because I DON'T have a bank account they tell tha tthe balence must be at 0. So instead of them keeping the money I already paid them they want me to pay them again only to refund me money which can take up to TWO MONTHS. HORRIBLE CUSTOMER SERVICE. No response when my card took two weeks to get to me after multiple attempts in reaching them either. SAVE YOURSELF A WASTE OF YOUR TIME AND MONEY.