Open Sky Secured Card
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Open SkySM Secured Visa®Credit Card

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.

Simply 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

Capital 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, Equifax).

Choose Your Credit Limit from $200 to $3000

The 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.

Need 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!

We offer 4 easy ways to fund your security deposit so you can start to rebuild credit and achieve financial freedom.

Wire Transfer

Western Union®

Online Transfer

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

The 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.

Low APR

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

We 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 to clear.

Accepted Everywhere You See the Visa Logo

The 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 accepted.

There 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

Log on to view and manage your Open SkySM Secured Visa Credit Card account online, anytime, anywhere 24/7 at www.openskycc.com

FREE Visa Benefits

The Open SkySM 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.

 

1.      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:

a.   Electronic Disclosure Consent Statement - This document gives us authorization to communicate with you and provide your disclosures electronically.

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.

 

6.      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 for activation.

 

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.

 

Thank you for your interest in the Capital Bank Open SkySM Secured Visa Credit Card.

We look forward to helping put you on a path toward financial success!