Credit Cards
OpenSky® Secured Visa® Credit Card Review: poor credit accepted!
If you plan on improving your financial situation this year and putting your credit score back in shape, take a closer look at the OpenSky® Secured Visa® Credit Card in this full review.
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Get your OpenSky® Secured Visa® Credit Card and write a new credit history
No more begging for a credit card. Our OpenSky® Secured Visa® Credit Card review will show you a better option than those expensive unsecured credit cards.
Apply for OpenSky® Secured Visa® Credit Card
Learn how to apply for the OpenSky® Secured Visa® Credit Card with a $200 security deposit and get a chance to rebuild your credit score.
Because if you think an unsecured credit card is not a good deal, you should think again. They are very efficient! Keep reading to understand what we’re talking about!
Credit Score | Any credit score is accepted; |
Annual Fee | $35; |
Purchase APR | 25.64%; |
Cash Advance APR | 25.64%; |
Welcome Bonus | No bonus for new cardholders; |
Rewards | You’ll get no rewards out of this plastic. |
The ins and outs of the OpenSky® Secured Visa® Credit Card
Let’s face reality: getting a credit card will put a spotlight on your credit history. If you haven’t done the work, you’ll get no applause from your credit issuer.
So let’s hire a good actor for this show. The OpenSky® Secured Visa® Credit Card is perfect for the role and will not review your credit score for the application.
This means you’ll get an open gate to ride the credit-score-building road. And all you have to do is pay the security deposit of at least $200. And pay the $35 annual fee.
Then, all you have to do is use your card like a responsible adult. This means paying your bills always on time to show the credit bureaus you have learned your lesson.
Moreover, this credit card has no fancy rewards programs or exclusive benefits. But you’ll get free credit score monitoring and don’t even need a bank account.
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OpenSky® Secured Visa® Credit Card: is it worth it?
We understand that many people are unwilling to pay $200 upfront to get a credit card. But believe us, this might be your better and more advantageous chance to access credit.
After all, if you have a poor or no credit score, you don’t have too many good options available.
So you must review the OpenSky® Secured Visa® Credit Card benefits and weigh the possible disadvantages.
Pros
- Straightforward application that will take you only a couple of minutes;
- Visa® network will give you wide acceptance;
- The refundable deposit can be as low as $200 (but as high as $3,000);
- Keep an eye on your credit score without paying a cent for it;
- Add your OpenSky® Secured Visa® Credit Card to your digital wallet;
- No scratch on your credit score to apply for this card;
- No need to get a bank account, as you’ll have other methods to make payments.
Cons
- It charges an annual fee;
- The interest rate can add pretty quickly to your balance, so pay attention to it;
- Some secured cards give rewards. But that’s not the case with the OpenSky® Secured Visa® Credit Card.
Credit score requirements for card application
Even though you don’t need to show your credit history, there are still a few requirements, and approval is not 100% guaranteed.
But there is nothing out of this world: SSN, US residency, legal age, income, just the regular documentation.
Apply for OpenSky® Secured Visa® Credit Card
Learn how to apply for the OpenSky® Secured Visa® Credit Card with a $200 security deposit and get a chance to rebuild your credit score.
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