OpenSky Plus Secured Visa Credit Card
The OpenSky Secured Visa credit card differentiates itself by not requiring a credit check or even a bank account to obtain approval. This is particularly advantageous for individuals who have overcome bankruptcies or late tax payments, since many other secured credit cards do not approve applicants in these circumstances. This flexibility allows a broader range of individuals to benefit from credit-building opportunities.
Therefore, with the OpenSky Secured Visa, it is possible to start a new financial journey, regardless of past experiences.
OpenSky Plus Secured Visa Card Benefits:
These privileges are made available by Visa as part of its standard set of benefits:
- No-Cost Fraud Protection: Rest assured that you will not be held responsible for fraudulent charges that may appear on your card account. This provides peace of mind and protection against unauthorized transactions.
- Identity Theft Safeguards with ID Navigator: When you sign up for the free Norton LifeLock service, you’ll receive credit monitoring and support if your identity is compromised. This ensures you have resources to address any identity theft issues promptly.
- Emergency Roadside Assistance: If you have trouble with your vehicle, simply contact Visa and they will arrange roadside assistance wherever you find it. Please remember that you will be responsible for the costs associated with the services provided by roadside assistance.
- 24-Hour Cardholder Support: Have constant access to a Visa representative to answer any questions related to your account. This ensures you receive timely help whenever needed.
Set your own credit limit:
One of the advantages of having a secured credit card is the flexibility of determining your own credit limit, working like secured cards, which require a cash deposit to be opened, and this deposited amount works as your line of credit. With OpenSky, the limit can range from $200 to $3,000. If you feel the need to have more credit available to improve your score, it’s simply a matter of adding additional funds through the OpenSky website. This flexibility supports your credit-building goals and financial management.
Rates and fees:
Interest rate
- Normal APR: 22.64% (variable)
Rates
- Annual Fee: $35
- Foreign transaction fee: 3% of each transaction in US dollars
Payment of invoices and bills:
As a practical, fast, easy, and highly accessible method, the OpenSky Plus Secured Visa credit card offers customers an application, available for Android and iOS, that allows payment of invoices. However, in addition to using the app, you can make payments through the OpenSky website, or by calling OpenSky customer service at (800) 859-6412. This variety of payment options ensures that managing your account is convenient and straightforward.
How to speed up the credit establishment process?
- Make sure you make bill payments on time.
- Make regular and frequent payments.
- Request higher credit limits when possible.
- Dispute errors on credit reports.
- Become an authorized user on third-party accounts.
- Use a secured credit card.
- Keep your credit cards open.
- Diversify your credit sources.
How to get the card?
Signing up for OpenSky is hassle-free, involves no credit checks and no risk of denial, with an incredible average approval rate. What you need to do is answer a few simple questions, provide basic personal information and details, and click the “Submit” button to submit the form. Your approval will be granted immediately.
OpenSky typically makes orders available within 24 to 48 hours in most cases. If approved, you will receive a congratulatory email from OpenSky, along with notification that the deposit amount has been deducted from your account, excluding the annual fee. This efficient process ensures you quickly gain access to your new credit card.
When applying for the OpenSky Plus credit card, you will need to provide basic information such as name, address, date of birth, and other details. In some cases, you may be required to present your driver’s license or other identification documents.
After approval, you will receive your physical credit card within 12 to 14 business days. Additionally, you can activate your credit card by calling the number indicated in the welcome letter that accompanies your OpenSky credit card.
Final considerations:
Therefore, with all these characteristics described about the card, it is seen that OpenSky Plus encourages strong financial habits, and aims to take care of your finances, desires, and values related to your credit. Through the application, notifications about payments, and built-in spending limits help you manage your monthly budget and ensure payments are made on time. This holistic approach supports financial stability and growth.
With this, the OpenSky Plus Secured card gives you the opportunity to start over and follow a new path, without your historical past being an impediment.
