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Opensky® Secured Visa® Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of OpenSky® Secured Visa® Credit Card
32 Reviews
Consumer Rating:
star ratingstar ratingstar ratingstar ratingno star rating

Apply Here apply here 4.1
Lowest:
450
Average Score:
527
Highest:
655
All
5 Star
56%
4 Star
18%
3 Star
9%
2 Star
6%
1 Star
9%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 548 Credit Limit: 200 Age: 55-64
Approved 20 yrs after Bankruptcy
Income On Application: $735
Posted 08/15 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
credit scores are 548
 
Credit Score: 586 Credit Limit: 500 Age: 35-44
Approved 2 years after Bankruptcy
Income On Application: $60000
Posted 06/13 2017
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
The application process was very easy and this card has done it's job. After 6 months, my score has increased from 586 to 650. I have no other card, so perhaps it is time to get an unsecured card.
 
Credit Score: 521 Credit Limit: 200 Age: 25-34
Posted 01/17 2016
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Here's my take on this card.

Pros
1. low starting deposit/limit ($200)
2. No hard pull

Cons
1. Payment hold (about 10 days) for up to 6 months before they process it in 48 hours.

BTW - my score went from 521 to 630 within a year.
 
Credit Score: 486 Credit Limit: 300 Age: 35-44
Posted 10/02 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I applied for both the Discover and Citi secured card and was denied. My Eq score dipped about 5 points because of the hard pull. I then applied for this card and cap one secured together (in 2 browsers) and got approved for both. My scores went up to 520 about a week later.

I like the fact that there are no credit checks. The bad thing is that they put your payments on hold for about 5-7 business days whereas with Cap One, they clear the next day.
 
Credit Score: 567 Credit Limit: 500 Age: 45-54
Posted 09/16 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My credit was destroyed after a job loss and to rebuild my credit, I tried applying for a couple of secured cards like Citi and Wells and was denied. I decided to apply for this card because they did not do any credit checks. I got approved and deposited $500.

It has been about 16 months and my score had improved over 70 points.
 
Credit Score: 475 Credit Limit: 200 Age: 35-44
Posted 07/07 2015
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
My credit was hit hard and my score was 475 with 15 collections. I applied for a few sub-prime card but was denied. And I was also denied for a few secured cards! But Opensky gave me a chance and I deposited the minimum $200. I would have given this a 5-star if not for the payment hold (about 5 days).