OpenSky Secured Visa Credit Card
in Personal Credit Cards from Capital Bank
Would you recommend OpenSky Secured Visa Credit Card to your friends?
| Community Rating | Mostly recommended |
| Annual Fee | $35 |
| Purchase APR (Variable APR) | 19.64% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 300 - 700 |
| Number of Reviews | 5 |
Overview
Who is OpenSky Secured Visa Credit Card designed for?
OpenSky Secured Visa Credit Card is a secured credit card credit card issued by Capital Bank, which is based in Horsham, PA.
Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.
OpenSky Secured Visa Credit Card is designed for people who have bad credit. The minimum credit score to apply is only 300.
This card has a credit limit of up to $3000.
What are the relevant APRs for OpenSky Secured Visa Credit Card?
OpenSky Secured Visa Credit Card has a variable purchase APR of 19.64%.
It also has a variable cash advance APR of 19.64%.
Does OpenSky Secured Visa Credit Card have an introductory APR offer?
OpenSky Secured Visa Credit Card does not offer an introductory rate on new purchases.| Purchase APR | 19.64% |
| Cash Advance APR | 19.64% |
What are the OpenSky Secured Visa Credit Card fees?
The following fees apply to OpenSky Secured Visa Credit Card:
- An annual fee of $35.
- A late payment penalty of up to $38.
- A returned payment fee of up to $25.
- There is no overlimit fee
Does OpenSky Secured Visa Credit Card have a foreign transaction fee?
OpenSky Secured Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.| Fees | Amount |
|---|---|
| Annual Fee | $35 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $25 |
| Late Payment Fee | $38 |
Is there a OpenSky Secured Visa Credit Card cash back or rewards program?
No, OpenSky Secured Visa Credit Card does not offer a rewards program.
What are the OpenSky Secured Visa Credit Card benefits?
OpenSky Secured Visa Credit Card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
Does OpenSky Secured Visa Credit Card report your account activity to credit bureaus?
OpenSky Secured Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
How to apply for OpenSky Secured Visa Credit Card
- Visit the Capital Bank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Contact
- Headquarters
-
P.O. Box 539
Horsham, PA 19044 USA - Visit Site
Message from Capital Bank
About OpenSky Secured Visa Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Grace Period for Late Payment (Days) | 25 |
| Over-Limit Fee | $0 |
| Returned Payment Fee | $25 |
| Minimum Interest Charge | $1 |
| Annual Fee | $35 |
| Late Fee Amount | $38 |
| Foreign Currency Transaction Fee | 3% |
Reviews
Would you recommend OpenSky Secured Visa Credit Card to your friends?
