How can I change my legal name?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back on your credit card. You may be required to show proof of name change prior to having your name updated in our system.

How do I report suspected fraud?

Please contact our Customer Service Department by calling 1-800-859-6412.  We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.

How do I close a deceased cardholder's account?

Please contact our Customer Service Department by calling 1-800-859-6412 (24/7). We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service. You may be required to provide a copy of the death certificate prior to closing the account.

How do I add or remove an authorized user?

You can add or remove an authorized user by calling the number on the back of your card. Please note that to add an authorized user, you must be the primary cardholder on the account. Adding an authorized user can be done only after you have been approved for an account – not during the application process.

How do I dispute a transaction?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card, or you can click Contact Us.

What should I do if my card is lost or stolen?

You can report your card lost or stolen by phone by contacting us directly at 1-800-859-6412.  We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.  We will immediately place a block on your card and issue you a replacement card with a new card number.

How do I request a replacement credit card if my card is damaged or no longer works?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

I want to manage my card online. Can I do that?

Yes. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top to log in. Bookmark the My Account page as one of your favorites and log in whenever you need.

What should I do if my card is expired or is due to expire?

Your new card will be automatically reissued to you the month prior to the expiration on your current card. If you have not received your new card, please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

How do I log in to the OpenSky App?

Once your credit card has been activated, you’ll need to create credentials to log in to your Mobile App. First, enroll in online account management. Simply visit www.openskycc.com, open the menu and click the “My Account” button located at the top. Select the hyperlink “Need to Enroll?” It can be found below the Log In button. The credentials you create for your online account management are the same ones that you can use to log in to the OpenSky app. You can manage your payments and transactions in the OpenSky app right from your mobile phone or tablet, see your minimum payment due and next payment date, view recently posted transactions -- even make payments right from your device.

What should I do if I've forgotten my username or password?

You’ll need to reset your credentials. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. On the MyAccount screen, choose Forgot Password, located below the Log In button, and follow the instructions. If you're still unable to sign in, please call us at the phone number listed on your billing statement or on the back of your credit card.

How do I access my account if I am locked out?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card for assistance.

How can I obtain my statements?

The quickest way to access your account statements is by visiting our website at www.openskycc.com. Open the menu and click the “My Account” button located at the top and log in. To view or print a copy of your statement, Click on Account Information, and from the drop-down menu select Online Statements. You can also access your statements from within the OpenSky Mobile App. Simply login to your app to view your statements or download them to print copies. Statements are FREE online and via our Mobile App.

How do I set up recurring monthly payments?

Visit www.openskycc.com, open the menu and click the “My Account” button located at the top and log in. Select the Payment Services tab and choose to set up one-time or recurring online payments from the drop-down menu.

How do I enroll in paperless statements?

You can enroll in paperless statements from within My Account online ( visit www.openskycc.com, open the menu and click the “My Account” button located at the top) or from within your OpenSky Mobile App. After logging in, select Account Services, Paperless Statements, and then follow the prompts.

Why does it take so long for my payment to post?

Your payment is posted the same day the payment is made provided it is received before the daily cut off time. It may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.

How do I cancel a payment I have set up?

You may cancel a payment by logging into your account online at www.openskycc.com, opening the menu and clicking the “My Account” button located at the top, or via the OpenSky Mobile App and viewing the pending payments. This is only if the payment has not already been processed.

What if I max out my credit limit?

You must pay off all or part of the balance before you can charge any more purchases. Regular monthly payments that pay down the balance frees up credit, no matter how much you have charged. If you charge up to your credit limit and fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus.

Can I change my due date?

Yes, you may change your payment due date once per year by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Can I use my card outside of the United States?

Your card can be used everywhere you see the Visa® logo, worldwide.  All you have to do is notify us you will be traveling outside the US.  Sign In to your account and update your Travel Notifications under the Service tab or call us.

Why isn’t my credit information being updated at the credit bureaus?

Please contact the credit bureaus directly. You may need to authorize them to report the account. Experian 1-888-397-3742 TransUnion 1-800-916-8800 Equifax 1-866-349-5191

What should I do if I am traveling?

It is not always necessary to alert us of your travel plans. However, you can advise us before traveling by calling the number on the back of your card. If you are already outside of the country, please give us a call using our international collect telephone number, 516-576-8685.

What is a "secured" credit card and why is a security deposit required?

A secured credit card requires a one-time refundable security deposit to open and is equal to your credit limit. For example, if you deposit $100, your credit limit becomes $100. The beauty of the OpenSky secured credit card is that you can open an account without undergoing a traditional credit check. This is especially beneficial if you have a poor credit history or no credit history at all.

How will getting a secured credit card build my credit?

One of the benefits of your account is automatic monthly reporting to the three major credit bureaus. Paying your account on time, even your minimum payment, can help build a history of financial responsibility for you. A credit card is an important tool that lays the groundwork for your future finances.

How can I obtain a copy of my credit report?

Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies—Experian®, TransUnion®, and Equifax®—once every 12 months. Don't be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report; only https://www.annualcreditreport.com/index.action is the official site authorized by the Federal government."

Is there an annual fee for this card? Are there any hidden charges?

Yes, there is a $35 annual fee for the OpenSky Secured Visa® Credit Card. There is no annual fee for the OpenSky Plus Secured Visa® Credit Card. OpenSky believes in being upfront. There are no hidden fees or charges. All of our pricing and fee information is transparent and can be reviewed:

What is a "credit limit" and how is my credit limit decided?

A credit limit represents the maximum amount you can spend on your credit card subject to approval. You decide the deposit amount, which directly determines your credit limit. It can range from as low as $100 to as high as $3,000, depending on the card you choose. The goal is to ensure you can manage payments effectively and succeed in building your credit!

*All applications are subject to approval.

How can I withdraw or cancel my application?

Should you choose to withdraw your application, you may do so by contacting Customer Service at 1-855-763-6736.

How long does it takes to receive my card?

We will notify you with an email from OpenSky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

Will the secured credit card ever change to unsecured?

No. Your secured card will stay a secured Visa® credit card.

Will my security deposit earn interest?

No. Security deposit funds are placed in an FDIC-insured account that does not earn interest.

Can I get approved for a secured credit card even if I've had bad credit in the past?

OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Secured Visa® Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky Secured Visa® Credit Card works.

Will this be flagged as "secured" on my credit bureau report?

No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.

How can I increase my credit limit on my secured card?

Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, choose the “Request Credit Line Increase” option in the “Account Services” section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.

How do I pay the required security deposit?

The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.

If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:

  • Western Union®
  • Mail a check or money order

If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.

Where is the OpenSky credit card accepted?

You can use your OpenSky credit card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.

What do I need to apply?

When you apply for an OpenSky Visa® Credit Card, we will ask you for your name, address, date of birth and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Capital Bank, NA.

Can I get a card if I don't have a checking account?

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.

How long will it take to process my application?

Applications are usually processed immediately. If your application is approved you will know immediately and also receive an email. After application approval and processing of your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email or a text notification. Your responsiveness to these questions will determine the timing of receipt of your credit card.

Always be on the look-out for emails from OpenSky. Please note: this email address does not receive incoming emails.

How do I check the status of my application?

Regular email updates are sent to applicants providing the status of their application throughout the entire process. To ensure you are receiving our emails, please add OpenSky to your contact list. You can also check the status of your application anytime! Simply visit www.openskycc.com and click on the Check Application Status link to request online access. We will ask you to verify a few pieces of information and then we will send you an email with a unique one-time passcode that will give you access to the status of your application.

Why do you need to verify my identity?

Federal law requires that all financial institutions know and confirm their customer’s identity according to the USA Patriot Act. The USA Patriot Act was created to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.

Who should I contact if I have not received my new credit card?

Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412 (24/7). We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.  We will review your account to determine if there has been any unauthorized charges and a new card will be issued.

Who is Capital Bank?

Capital Bank, N.A., is a publicly traded bank headquartered in Rockville, MD. that has offered a range of financial services to businesses and consumers since 1999, in addition to owning and operating a nationwide mortgage business and card company, OpenSky. Member FDIC. An Equal Housing Lender.

How do I activate my credit card?

Visit www.openskycc.com and click the blue MyAccount button located at the top. You will be directed to the online account management login page.

On a mobile device: Select the Menu option at the top and click Activate Card. Simply follow the instructions.

On a desktop: Look for the bright green Activate Card button on the top right. Simply follow the instructions.

Can I pay my other bills using my OpenSky credit card?

Yes. This is a great way to build credit while keeping your monthly expenses the same. Simply select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.

When do you report to the credit bureaus?

We report credit card account information to the credit bureaus once a month at the time your billing statement is generated.

How do I close my credit card account and when will I receive my refund check?

You can close your account at any time by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

When do I get my security deposit back?

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

How do I make monthly credit card payments?

You can make monthly credit card payments using the following methods:

Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.

Send in a check with the remittance slip that is included in your monthly billing statement.

How can I update my contact information such as address, phone number, and/or email address?

You can update your contact information online. Visit www.openskycc.com and click the blue MyAccount button. Log into your account, select the Account Services tab, and click on Update Contact Information.

Does OpenSky support mobile wallets?

Yes, OpenSky currently supports Apple Pay, Google Pay, and Samsung Pay.

How do I add my OpenSky credit card to my mobile wallet?

Go to your preferred digital wallet app, tap the “add,” button. Tap “Debit or Credit Card” to add a new card then select continue. Take a photo of your card, or enter the details manually. Review and accept the terms and conditions, and follow the remaining verification steps.

Do I need to verify my card with OpenSky when I add it to my digital wallet?

For security purposes, we will send you a one-time passcode via email or text depending on which option you choose. This step allows OpenSky to confirm your identity and protect your personal information.

How do I use my mobile wallet?

Engage the mobile wallet of choice on your mobile device. Hold the device near the payment terminal. A confirmation message on the payment terminal will let you know your purchase was successful. For specific information on using your mobile wallet, refer to the wallet's website.

How do mobile wallets keep my card information protected?

Your card information is never stored on the physical device or shared with the merchant when you shop. When you make a purchase, a digital account number along with a dynamic, transaction specific code is used to process your payment.

How do I remove a card from my mobile wallet?

To remove a card from a mobile wallet, simply select the card in the wallet app and select the option to remove the card. For specific information related to your mobile wallet, refer to the wallet's website.

How can I change my legal name?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back on your credit card. You may be required to show proof of name change prior to having your name updated in our system.

How do I report suspected fraud?

Please contact our Customer Service Department by calling 1-800-859-6412.  We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.

How do I close a deceased cardholder's account?

Please contact our Customer Service Department by calling 1-800-859-6412 (24/7). We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service. You may be required to provide a copy of the death certificate prior to closing the account.

How do I add or remove an authorized user?

You can add or remove an authorized user by calling the number on the back of your card. Please note that to add an authorized user, you must be the primary cardholder on the account. Adding an authorized user can be done only after you have been approved for an account – not during the application process.

How do I dispute a transaction?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card, or you can click Contact Us.

What should I do if my card is lost or stolen?

You can report your card lost or stolen by phone by contacting us directly at 1-800-859-6412.  We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.  We will immediately place a block on your card and issue you a replacement card with a new card number.

How do I request a replacement credit card if my card is damaged or no longer works?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

I want to manage my card online. Can I do that?

Yes. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top to log in. Bookmark the My Account page as one of your favorites and log in whenever you need.

What should I do if my card is expired or is due to expire?

Your new card will be automatically reissued to you the month prior to the expiration on your current card. If you have not received your new card, please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

How do I log in to the OpenSky App?

Once your credit card has been activated, you’ll need to create credentials to log in to your Mobile App. First, enroll in online account management. Simply visit www.openskycc.com, open the menu and click the “My Account” button located at the top. Select the hyperlink “Need to Enroll?” It can be found below the Log In button. The credentials you create for your online account management are the same ones that you can use to log in to the OpenSky app. You can manage your payments and transactions in the OpenSky app right from your mobile phone or tablet, see your minimum payment due and next payment date, view recently posted transactions -- even make payments right from your device.

What should I do if I've forgotten my username or password?

You’ll need to reset your credentials. Visit www.openskycc.com, open the menu and click the “My Account” button located at the top. On the MyAccount screen, choose Forgot Password, located below the Log In button, and follow the instructions. If you're still unable to sign in, please call us at the phone number listed on your billing statement or on the back of your credit card.

How do I access my account if I am locked out?

Please contact our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card for assistance.

How can I obtain my statements?

The quickest way to access your account statements is by visiting our website at www.openskycc.com. Open the menu and click the “My Account” button located at the top and log in. To view or print a copy of your statement, Click on Account Information, and from the drop-down menu select Online Statements. You can also access your statements from within the OpenSky Mobile App. Simply login to your app to view your statements or download them to print copies. Statements are FREE online and via our Mobile App.

How do I set up recurring monthly payments?

Visit www.openskycc.com, open the menu and click the “My Account” button located at the top and log in. Select the Payment Services tab and choose to set up one-time or recurring online payments from the drop-down menu.

How do I enroll in paperless statements?

You can enroll in paperless statements from within My Account online ( visit www.openskycc.com, open the menu and click the “My Account” button located at the top) or from within your OpenSky Mobile App. After logging in, select Account Services, Paperless Statements, and then follow the prompts.

Why does it take so long for my payment to post?

Your payment is posted the same day the payment is made provided it is received before the daily cut off time. It may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.

How do I cancel a payment I have set up?

You may cancel a payment by logging into your account online at www.openskycc.com, opening the menu and clicking the “My Account” button located at the top, or via the OpenSky Mobile App and viewing the pending payments. This is only if the payment has not already been processed.

What if I max out my credit limit?

You must pay off all or part of the balance before you can charge any more purchases. Regular monthly payments that pay down the balance frees up credit, no matter how much you have charged. If you charge up to your credit limit and fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus.

Can I change my due date?

Yes, you may change your payment due date once per year by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Can I use my card outside of the United States?

Your card can be used everywhere you see the Visa® logo, worldwide.  All you have to do is notify us you will be traveling outside the US.  Sign In to your account and update your Travel Notifications under the Service tab or call us.

Why isn’t my credit information being updated at the credit bureaus?

Please contact the credit bureaus directly. You may need to authorize them to report the account. Experian 1-888-397-3742 TransUnion 1-800-916-8800 Equifax 1-866-349-5191

What should I do if I am traveling?

It is not always necessary to alert us of your travel plans. However, you can advise us before traveling by calling the number on the back of your card. If you are already outside of the country, please give us a call using our international collect telephone number, 516-576-8685.

What is a "secured" credit card and why is a security deposit required?

A secured credit card requires a one-time refundable security deposit to open and is equal to your credit limit. For example, if you deposit $100, your credit limit becomes $100. The beauty of the OpenSky secured credit card is that you can open an account without undergoing a traditional credit check. This is especially beneficial if you have a poor credit history or no credit history at all.

How will getting a secured credit card build my credit?

One of the benefits of your account is automatic monthly reporting to the three major credit bureaus. Paying your account on time, even your minimum payment, can help build a history of financial responsibility for you. A credit card is an important tool that lays the groundwork for your future finances.

How can I obtain a copy of my credit report?

Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies—Experian®, TransUnion®, and Equifax®—once every 12 months. Don't be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report; only https://www.annualcreditreport.com/index.action is the official site authorized by the Federal government."

Is there an annual fee for this card? Are there any hidden charges?

Yes, there is a $35 annual fee for the OpenSky Secured Visa® Credit Card. There is no annual fee for the OpenSky Plus Secured Visa® Credit Card. OpenSky believes in being upfront. There are no hidden fees or charges. All of our pricing and fee information is transparent and can be reviewed:

What is a "credit limit" and how is my credit limit decided?

A credit limit represents the maximum amount you can spend on your credit card subject to approval. You decide the deposit amount, which directly determines your credit limit. It can range from as low as $100 to as high as $3,000, depending on the card you choose. The goal is to ensure you can manage payments effectively and succeed in building your credit!

*All applications are subject to approval.

How can I withdraw or cancel my application?

Should you choose to withdraw your application, you may do so by contacting Customer Service at 1-855-763-6736.

How long does it takes to receive my card?

We will notify you with an email from OpenSky once your application has been approved. Upon receiving and processing your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

Will the secured credit card ever change to unsecured?

No. Your secured card will stay a secured Visa® credit card.

Will my security deposit earn interest?

No. Security deposit funds are placed in an FDIC-insured account that does not earn interest.

Can I get approved for a secured credit card even if I've had bad credit in the past?

OpenSky does not pull your credit — there is no credit check. You can get approved for our OpenSky Secured Visa® Credit Card whether you have poor credit or no credit. The card is designed to help build credit history with its monthly reporting to all three major credit bureaus. As a secured card, it does require a security deposit. Click here to learn more about how the OpenSky Secured Visa® Credit Card works.

Will this be flagged as "secured" on my credit bureau report?

No. Only you will know this is a secured credit card. Your payment and account history will be reported monthly to all three major consumer credit bureaus without being flagged as a secured card.

How can I increase my credit limit on my secured card?

Requesting an increase is easy and can be done at any time. Simply visit openskycc.com, open the menu and tap on the “My Account” button. The My Account page will allow you to log in. Once you have logged into your account, choose the “Request Credit Line Increase” option in the “Account Services” section. If approved, you’ll receive an approval letter with instructions on how to send the additional security deposit to fund your credit limit increase.

How do I pay the required security deposit?

The fastest way to fund your security deposit and get your card is to use your debit card at the time of application. Simply enter your debit card information into the Security Deposit section of the application.

If you don’t have a debit card, you can fund your security deposit at a later date and choose from these easy options:

  • Western Union®
  • Mail a check or money order

If you choose to fund your security deposit at a later date you will receive an email with the instructions and details on the next steps.

Where is the OpenSky credit card accepted?

You can use your OpenSky credit card everywhere Visa is accepted. Plus, you’re eligible for special Visa discounts through www.visa.com/discounts.

What do I need to apply?

When you apply for an OpenSky Visa® Credit Card, we will ask you for your name, address, date of birth and other information that will allow us to identify you. You may be asked to provide your driver’s license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Capital Bank, NA.

Can I get a card if I don't have a checking account?

Yes! OpenSky is one of the few issuers that doesn’t require a linked checking account to apply. Simply choose to pay your security deposit at a later date on your application. Then, after you've been approved, you will receive an email back with instructions on how and where to fund your account.

How long will it take to process my application?

Applications are usually processed immediately. If your application is approved you will know immediately and also receive an email. After application approval and processing of your security deposit, your credit card is made and then mailed to you. This can take up to 12-14 business days.

In some instances, we may need clarification on information provided in your application prior to approval. If we do, we will send you an email or a text notification. Your responsiveness to these questions will determine the timing of receipt of your credit card.

Always be on the look-out for emails from OpenSky. Please note: this email address does not receive incoming emails.

How do I check the status of my application?

Regular email updates are sent to applicants providing the status of their application throughout the entire process. To ensure you are receiving our emails, please add OpenSky to your contact list. You can also check the status of your application anytime! Simply visit www.openskycc.com and click on the Check Application Status link to request online access. We will ask you to verify a few pieces of information and then we will send you an email with a unique one-time passcode that will give you access to the status of your application.

Why do you need to verify my identity?

Federal law requires that all financial institutions know and confirm their customer’s identity according to the USA Patriot Act. The USA Patriot Act was created to help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.

Who should I contact if I have not received my new credit card?

Please allow up 12-14 business days from the date of your approval letter to receive your new credit card. If you have not received your card within this time, please contact us by calling 1-800-859-6412 (24/7). We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.  We will review your account to determine if there has been any unauthorized charges and a new card will be issued.

Who is Capital Bank?

Capital Bank, N.A., is a publicly traded bank headquartered in Rockville, MD. that has offered a range of financial services to businesses and consumers since 1999, in addition to owning and operating a nationwide mortgage business and card company, OpenSky. Member FDIC. An Equal Housing Lender.

How do I activate my credit card?

Visit www.openskycc.com and click the blue MyAccount button located at the top. You will be directed to the online account management login page.

On a mobile device: Select the Menu option at the top and click Activate Card. Simply follow the instructions.

On a desktop: Look for the bright green Activate Card button on the top right. Simply follow the instructions.

Can I pay my other bills using my OpenSky credit card?

Yes. This is a great way to build credit while keeping your monthly expenses the same. Simply select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.

When do you report to the credit bureaus?

We report credit card account information to the credit bureaus once a month at the time your billing statement is generated.

How do I close my credit card account and when will I receive my refund check?

You can close your account at any time by contacting our Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

When do I get my security deposit back?

Your security deposit will be returned to you once your account is closed and the balance is paid in full. We may use your security deposit to expedite the pay down of your outstanding balance. In certain circumstances it can take eight (8) weeks however, it generally takes less than four (4) weeks to receive your security deposit refund in the mail.

Please refer to your Card Agreement for additional details related to your security deposit.

How do I make monthly credit card payments?

You can make monthly credit card payments using the following methods:

Via the OpenSky Mobile App or online account management- you can sign up for Auto-Pay and schedule recurring, monthly payments, or set up one-time payments.

Send in a check with the remittance slip that is included in your monthly billing statement.

How can I update my contact information such as address, phone number, and/or email address?

You can update your contact information online. Visit www.openskycc.com and click the blue MyAccount button. Log into your account, select the Account Services tab, and click on Update Contact Information.

Does OpenSky support mobile wallets?

Yes, OpenSky currently supports Apple Pay, Google Pay, and Samsung Pay.

How do I add my OpenSky credit card to my mobile wallet?

Go to your preferred digital wallet app, tap the “add,” button. Tap “Debit or Credit Card” to add a new card then select continue. Take a photo of your card, or enter the details manually. Review and accept the terms and conditions, and follow the remaining verification steps.

Do I need to verify my card with OpenSky when I add it to my digital wallet?

For security purposes, we will send you a one-time passcode via email or text depending on which option you choose. This step allows OpenSky to confirm your identity and protect your personal information.

How do I use my mobile wallet?

Engage the mobile wallet of choice on your mobile device. Hold the device near the payment terminal. A confirmation message on the payment terminal will let you know your purchase was successful. For specific information on using your mobile wallet, refer to the wallet's website.

How do mobile wallets keep my card information protected?

Your card information is never stored on the physical device or shared with the merchant when you shop. When you make a purchase, a digital account number along with a dynamic, transaction specific code is used to process your payment.

How do I remove a card from my mobile wallet?

To remove a card from a mobile wallet, simply select the card in the wallet app and select the option to remove the card. For specific information related to your mobile wallet, refer to the wallet's website.