Credit Score: 486 Credit Limit: 200 Age: 35-44

Posted 05/23 2017

Everything is great about this card except for one thing, the 5-7 day payment hold. For this, I am giving this a 3-star instead of 5.

 

Credit Score: 513 Credit Limit: 200 Age: 35-44

Posted 04/14 2017

I got this card and the application process was easy. You have to send in your deposit when you apply. The thing I like about this card is that they is no credit checks and you do not need a bank account. I used my debit card to fund my deposit.

However, your deposit does not earn interest. So I would recommend not putting any more than you need in the account. They also have a payment hold of about 5 days for your account (at least for me until the 6th month).

 

Credit Score: 554 Credit Limit: 200 Age: 25-34

Posted 01/24 2016

Opensky puts a payment hold on your account for about 10 days. So my suggestion is to use just fraction of your limit and pay in advance if you want the full credit limit to be available for the next cycle.