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Here’s how you can contact the OpenSky customer service:
Phone: To contact the OpenSky customer service over the phone, just call (800) 859-6412. Follow the prompts and you will be connected to a live representative. Online: You can also reach customer service through your OpenSky mobile app for iOS and Android..
How do I talk to someone at open sky?
Our Customer Service team is available by phone at 1-800-859-6412.
Would closing a credit card hurt?
A credit card can be canceled without harming your credit score; just remember that paying down credit card balances first (not just the one you’re canceling) is key. Closing a charge card won’t affect your credit history (history is a factor in your overall credit score).
Is OpenSky owned by Capital One?
OpenSky, A Division of Capital Bank N.A. | Better Business Bureau® Profile.
Does open sky raise credit limit?
You can get a OpenSky credit limit increase by requesting it through your online account and if approved, adding more funds to your security deposit. OpenSky does give credit limit increases, but you must request them.
How long does it take OpenSky to process payment?
Your Opensky payment is posted the same day the payment is made provided it is received before the daily cut off time. However, it may take up to five business days following the receipt of your payment to restore your Available Credit for future purchases.
Is OpenSky deposit refundable?
Is the OpenSky deposit refundable? Yes, your security deposit is fully refundable provided you close your account in good standing. This just means that you’ve paid all of your outstanding balance.
Does open sky charge annual fee?
Rates and fees
The $35 annual fee for the OpenSky secured card is higher than most since many secured cards are also no annual fee cards. However, the purchase APR is much lower than most other secured cards at 17.64 percent (variable), which is just above the current average interest rate.
Why is my OpenSky card declined? There can be many reasons why your OpenSky Credit Card application was denied: You’re not at least 18 years old. The issuer couldn’t verify your identity. You applied for a Capital Bank credit card 4 or more times in the past 60 days.
What bank owns OpenSky credit card?
The OpenSky® Secured Visa® Credit Card from Capital Bank is a good option to help rebuild your credit. There’s no credit report required to apply, so your credit score doesn’t matter like it will with traditional credit cards. It’s even possible to get approved for this card if you don’t have a credit score at all.
How do I close my OpenSky account?
You can cancel your OpenSky credit card by calling their customer service 24/7 at 1-800-859-6412. Your security deposit will be refunded to you by mail once your account is closed and your balance is paid in full. This process could take up to 6 weeks.
Can OpenSky be trusted?
If you’re still wondering, is OpenSky legit? As far as it being a real company, yes. It’s a legitimate business, despite the name confusion.
Can I withdraw money from OpenSky credit card?
You can get a cash advance with your OpenSky card at any ATM that accepts Visa. That is virtually any ATM in the world, as the Visa network benefits from extensive worldwide acceptance. Keep in mind that you’ll need a PIN to get an OpenSky cash advance from an ATM.
Does open sky charge a fee?
The OpenSky Secured Visa Credit Card charges a $35 annual fee each year you have the card. Since you can’t upgrade to a no-fee unsecured version of this card, take that into account before applying.
Does OpenSky refund deposit? Is the OpenSky deposit refundable? Yes, your security deposit is fully refundable provided you close your account in good standing. This just means that you’ve paid all of your outstanding balance.
How long does OpenSky take to approve? It usually takes 24-48 hours to get approved for the OpenSky credit card. So, the only thing that involves a bit more waiting is your credit card delivery, which should take about 2 weeks. Of course, application processing will take longer if they’re not able to verify your identity right away.
Does OpenSky increase your credit limit?
You can get a OpenSky credit limit increase by requesting it through your online account and if approved, adding more funds to your security deposit. OpenSky does give credit limit increases, but you must request them.
Is OpenSky a part of Capital Bank?
OpenSky, A Division of Capital Bank N.A.
How much should you spend on a $200 credit limit?
To keep your scores healthy, a rule of thumb is to use no more than 30% of your credit card’s limit at all times. On a card with a $200 limit, for example, that would mean keeping your balance below $60.
Does OpenSky give deposit back?
Is the OpenSky deposit refundable? Yes, your security deposit is fully refundable provided you close your account in good standing. This just means that you’ve paid all of your outstanding balance.
Can I use my OpenSky credit card at an ATM?
You can get a cash advance with your OpenSky card at any ATM that accepts Visa. That is virtually any ATM in the world, as the Visa network benefits from extensive worldwide acceptance. Keep in mind that you’ll need a PIN to get an OpenSky cash advance from an ATM.
Is it better to cancel unused credit cards or keep them?
In general, it’s best to keep unused credit cards open so that you benefit from a longer average credit history and a larger amount of available credit. Credit scoring models reward you for having long-standing credit accounts, and for using only a small portion of your credit limit.
What is a good credit score?
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Is it better to close a credit card or leave it open with a zero balance? The standard advice is to keep unused accounts with zero balances open. The reason is that closing the accounts reduces your available credit, which makes it appear that your utilization rate, or balance-to-limit ratio, has suddenly increased.
