Good Credit Saves Money and Opens Doors
With the Open
SkySM Secured Visa Credit Card from Capital
Bank, you don’t have to lose sight of your financial goals.
Applying for an Open SkySM Secured Visa Credit Card is easy and
there is no credit check required for approval.
complete our secure online application, select how you would like to send your
security deposit and agree to our electronic terms and agreement. All that will
be left is for us to verify your identity and ability to pay. Once we’ve
received your security deposit and your funds have cleared, your new Open SkySM
Secured Visa Credit Card will be on its way.
Open SkySM Secured Visa Credit Card Features
No Credit Check Required
Lack of credit history and past mistakes should not stand in the way of you
achieving your financial goals. The Open SkySM Secured Visa Credit Card is committed
to working with every person who is seeking to rebuild credit or establish
credit. We do not look at your credit score or pull your report upon applying, like
other credit cards who initiate credit inquiries that show on your report. This
means that you can apply for the Open SkySM Secured Visa Credit Card worry free.
Monthly Reporting to All 3 Major Credit Bureaus
Bank knows that you need a card that will help you rebuild credit that you can
use for the significant events in your life like home ownership, getting a car,
landing a job, and more. That’s why the Open SkySM Secured
Visa Credit Card features monthly reporting to all three major credit bureaus (TransUnion, Experian,
Choose Your Credit Limit from $200 to $3000
choice is yours. You have the ability to set your own available credit limit by
choosing your security deposit amount. You can fund your security deposit with
as little as $200 or as much as $3,000. If you choose to pay an optional $50 RUSH
service fee you can receive your card in 4 business days after we confirm your
identity and your security deposit clears.
to increase your credit line? No problem!* After 120 days, you may request a
credit line increase of up to $5,000. To make a credit line increase request,
just contact one of our Customer Care Representatives at 267-317-4507 between
8:30 AM and 5:00 PM Eastern, Monday-Friday.
*Please note: All requests are subject to underwriting review.
4 Ways to Fund Your Card - No Checking Account Required!
offer 4 easy ways to fund your security deposit so you can start to rebuild
credit and achieve financial freedom.
Mail a Check or Money Order
An email with instructions on how to send your deposit will be sent upon approval of your application.
No Monthly Maintenance Fees
Open Sky® Secured Visa Credit Card gives
you the worry-free experience of no monthly maintenance fees. We charge a
simple, $29 annual fee to your account when the account is first opened and
each year on the anniversary of your account.
The Open SkySM
Secured Visa Credit Card offers one of the lowest variable APR's available for secured cards at 17.50%.
CLICK HERE to see additional terms and conditions of the Open Sky® Secured Visa Credit Card.
RUSH Shipping Available
know that you want to get your hands on your new Open SkySM Secured Visa Credit Card as soon as possible so that you can
start to rebuild credit history and enjoy the financial freedom a major credit
card gives you. That’s why we offer our exclusive $50 RUSH service which lets
you get your card in as little as 4 business days after your identity is
confirmed and your security deposit clears.
Please note: Depending on how you choose to fund your
security deposit, it may take up to 7 business days for your security deposit
Accepted Everywhere You See the Visa Logo
Capital Bank Open SkySM
Secured Visa Credit Card is
accepted worldwide, everywhere you see the Visa logo. Forget worrying about
being able to make online purchases, trying to arrange travel or getting a
hotel room. With the Open
SkySM Secured Visa Credit Card you can make purchases everywhere Visa is
may be additional currency exchange fees and other fees that will apply. Please
refer to your Cardholder Agreement.
$0 Fraud Liability
No need to worry about fraudulent charges running up your credit card bills. The Open SkySM Secured
Visa Credit Card guarantees $0 Fraud Liability.
FREE 24/7 Online Account Access
on to view and manage your Open
SkySM Secured Visa Credit Card account online, anytime, anywhere 24/7 at
FREE Visa Benefits
Secured Visa Credit Card includes
great benefits including automatic auto rental insurance, travel and emergency
assistance, and emergency card replacement.
Better Than a Prepaid Card
The Open SkySM Secured Visa Credit Card is better than a
prepaid card. With an Open SkySM secured credit card you will enjoy
all the benefits of an unsecured credit card. Your balance is not drawn down
like a prepaid card. Each month there is a balance on your account you will be
required to make at least the minimum payment as shown on your monthly billing
statement. Unlike a prepaid card, the Open SkySM Secured Visa Credit Card reports monthly to the three (3) major credit bureaus.
Easy Online Application
Applying for the Open SkySM
Secured Visa Credit Card is easy in just 7 convenient steps. Just complete the secure on line application
and choose your method of payment. Once the funds are received and your information is verified, we’ll send you your new card along with a welcome kit.
Complete an Application. Start the process that will put you
on the path to building your credit with our quick and easy online application.
Remember, the information that we require is your name, physical address, contact
information, driver’s license, income and expense information.
2. Choose Your Credit Amount. The
choice is yours. You can fund your security deposit with as little as $200 or
as much as $3,000.
3. Choose Your Funding Method.
Fund your pledge deposit account by choosing 1 of our 4 funding methods. Bank Wire
transfer, Western Union® Quick Collect®, Electronic Check – ACH, or by mailing a
check or money order to us.
4. Agree to Electronic Disclosures. There are three disclosures that you
must agree to in order to process your application:
Disclosure Consent Statement -
This document gives us authorization to communicate with you and provide your
b. Secured Credit
Cardholder Agreement - This
document outlines rates, fees, and responsibilities as a cardholder.
c. Pledged Deposit
Account Agreement – This
document details the terms of your security deposit.
5. Sign and Submit Your Application.
Confirm Your Email
Address. Once your
application is completed you will receive an email in your inbox. All you need
to do is click on the link provided to confirm your application.
7. Verify Your Identity. Capital
Bank will verify your identity. In some cases, you may be required to answer
additional questions or provide supporting documentation.
Now your card will be on its way! After
receiving your card in the mail, all you have to do is call the number provided
Once you have activated your card you can
begin to use your secured credit card up to your available credit line. Pay at
least the minimum payment before the due date each month.
Questions? If you have any questions regarding
your application status, please email us at CustomerCare@openskycc.com
or call toll free 855-763-OPEN (6736) between 8:30 AM and 5:00 PM Eastern,
Monday through Friday.
you for your interest in the Capital Bank Open SkySM
Secured Visa Credit Card.
look forward to helping put you on a path toward financial success!