No Credit Check Secured Visa That Graduates To Unsecured
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Easy approval secured credit card that graduates to an unsecured card
For people with poor credit, a secured credit card can help you build it back up and establish a positive payment history. But not everyone with poor credit can get approved for even a secured credit card.
That’s where no-credit-check secured cards come in, offering an inclusive option for everyone to build their credit responsibly.
In this review we look at the OpenSky Plus® Secured Visa® that does not require a credit check to apply plus it graduates to an unsecured credit card.
OpenSky® Plus Secured Visa® Credit Card
Highlights
- No annual fee
- No credit check to apply. Find out instantly if you are approved-
- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- Get considered for an unsecured credit line increase after 6 months – no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit – as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
OpenSky® Plus Secured Visa® Credit Card Review
A secured credit card can act as a stepping stone toward better credit options. The best secured cards offer an opportunity to upgrade to an unsecured one.
The OpenSky® Plus Secured Visa® Credit Card is tailored for people with limited or no credit history. It helps you build credit quickly without a hard credit inquiry, which can temporarily lower your score. Even with past credit issues, you have high approval odds thanks to the required security deposit that secures your credit line.
Requirements to apply for the OpenSky® Plus Secured Visa® Credit Card
That doesn’t happen when you apply for the OpenSky® Plus Secured Visa® Credit Card. Instead of checking your credit report,
Capital Bank issues the OpenSky® Plus Secured Visa® Credit Card and requires the following to apply:
evaluates whether you have enough money for a deposit and subsequent payments for your purchases. They’ll also confirm you meet other basic credit card requirements, like being at least 18 years old, having a Social Security number or tax ID number, and having a U.S. address.
Boost your chances of scoring an unsecured card
There are some basic credit card management habits to boost your chances of being upgraded to an unsecured card:
- Pay all of your obligations, on time every time.
- Keep the credit utilization ratio low, if possible.
- Stay within your deposit limit.
- Keep track of your credit score and other accounts.
- Make payments in excess of the minimum due.
OpenSky® Plus Secured Visa® Credit Card Review
More Credit Boost Resources
- Check out how to legally change your credit scores.
- Learn the different ways to pad your credit history when you have mostly negative accounts.
- Discover a no-credit check secured visa that upgrades to an unsecured.
- Find out why authorized user tradelines might be a good option for people with really bad credit.
- Get a quick boost in credit scores just by paying your cell phone, streaming service, rent and utilities.
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