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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 $150, your credit limit becomes $150. 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.

Your rate of improvement depends on a few factors, including your current status, payment habits, and your management of this and any other lines of credit. Opensky is designed specifically to help people improve their credit fast, with an online/mobile app and tools like alerts to help monitor your account. Plus you will get considered for credit line increases that turbocharge your growth.

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.

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 (See cardholder agreements at the bottom of this page).

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 $150 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.