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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: opensky secured


dalasdon wrote:

so from the looks of it, the opensky secured card seems like the best option for getting a secured credit card.  i mean there is no credit check, you can make additional deposits to have cli, and it reports to all 3 bureaus, along with just reporting as cc, not secured.  thoughts?


Since this card is not available, I would recommend Cap1. reports to all 3 bureaus, easy to work with and gets your foot in the door for unsecured.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 229
Registered: ‎12-12-2010
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Re: opensky secured


LS2982 wrote:

dalasdon wrote:

so from the looks of it, the opensky secured card seems like the best option for getting a secured credit card.  i mean there is no credit check, you can make additional deposits to have cli, and it reports to all 3 bureaus, along with just reporting as cc, not secured.  thoughts?


Since this card is not available, I would recommend Cap1. reports to all 3 bureaus, easy to work with and gets your foot in the door for unsecured.


I would also recommend Cap 1 secured if able to be approved, however the Open Sky Card IS still available. The website is www.openskycc.com


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650


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Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
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Re: opensky secured

@ Lois:

FProg hit your report? Was it a HP, or SP?

 

I had applied for this card back in Nov '11, and it did no checks whatsoever.

 

Guessing they're getting pickier, as their popularity is increasing.

I do vouch for this card's value though. Better terms, as compared to the

Opensky (not nickle/diming you to death with the small things, like $3 mailed statements).

Anyone pushing the opensky obviously needs to take the time to read the cardholder agreement

 

Coming from a mid 500's mean avg, already with a car loan (almost 1 yr old when app'd in Nov), it

has helped jack my score up by PIF, and I've gotten the preapproval/app/HP approval for the Cap One cash card (avg cred version)

in the beginning of March, and helped me to get a low end Disc More card (just a few days ago).

Gotta start somewhere, just as long as you keep your eye on the destination.

Frequent Contributor
Posts: 342
Registered: ‎02-10-2012
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Re: opensky secured


Burned2manybridgesB4 wrote:

@ Lois:

FProg hit your report? Was it a HP, or SP?




It was a HP but only on EX.


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
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