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opensky secured

Mega Contributor

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.




EQ FICO 548 3/3/16
Message 11 of 14
Regular Contributor

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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Message 12 of 14
Valued Contributor

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.

Message 13 of 14
Frequent Contributor

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)
Goal Score: 700+


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Message 14 of 14