Yes, by applying for an OpenSky secured Visa card, you can provide a refundable security deposit that equals your credit limit. This deposit allows you to open an account without a credit check, allowing you to use the card immediately and begin improving your credit score regardless of your past credit history.

The OpenSky® Secured Visa® Credit Card is tailored to assist people in quickly improving their credit score with a suite of online and mobile tools, such as alerts and an app. The card’s effectiveness in increasing your score depends on several factors, including your present financial standing, payment habits, and credit management. Furthermore, you may be eligible for credit line increases that accelerate your progress.

No, a checking account is not required to apply for the OpenSky® Secured Visa® Credit Card. Instead, you can choose to pay your security deposit at a later date on your application. Once you are approved for the card, you will receive an email with instructions on how and where to fund your account. OpenSky is one of the few issuers that offer this flexibility to its applicants.