The OpenSky Secured Visa Credit Card offers consumers an opportunity to enjoy all of the advantages of credit cards with a little extra security and peace of mind. This product is part of a long-term joint venture between Visa and MasterCard. This credit card provides cardholders with a cash bonus each time they use their card for purchases or online transactions. Consumers can choose the OpenSky card by visiting their favorite banking or internet site. They will also be able to apply online, over the phone or in person at the Open Sky Customer Service Centre in North York, Toronto.
The OpenSky Secured Visa Credit Card provides cardholders with an opportunity to build their credit history by making purchases online. Cardholders have the option to pay for their purchase with their Visa or MasterCard debit card, or with a pre-approved credit check from a third party lender. Cardholders must maintain a specified monthly credit limit on their card or have an approved deposit in order to be issued an Open Sky Secured Visa Credit Card.
The benefits of having the Open Sky Secured Visa Credit Cards are pretty obvious. Cardholders are not required to have a credit history, and no credit check is required. Cardholders do, however, have the option to pay for purchases with a debit card, or with a pre-approved credit check from a third party lender. Cardholders also have the option to pay for their purchase with a regular Visa or MasterCard debit card, or with a pre-approved credit check from a third party lender.
Another benefit is the protection that is offered through the zero liability aspect of this particular card. The zero-liability protection allows you to avoid having to provide any funds beyond your original credit limit that was granted to you when you first opened your account. Should you end up exceeding your credit limit, you will not have to worry about providing any funds to pay off outstanding debts. However, should you end up not being able to pay your balance, you will still be required to make a payment to open a new account, but you will not be required to pay any fees for this. This is in contrast to some other cards that will require you to make a payment to ensure that you have enough funds to pay your balance.
As with all other cards, you can enjoy many perks when you have the Open Sky Secured Visa Credit Cards from Capital One. One of these perks includes the ability to enjoy higher credit limits for only a limited time period. If you have good financial status and good credit, you can enjoy higher credit limits that last for three years or less. This means that if you do not pay your bill on time, you can enjoy this benefit of the card and only have to make a lower payment every month until the full amount has been paid off.
Another benefit includes an annual fee that is only $100. Unlike most cards that charge a higher interest rate and a larger deposit, you will enjoy a lower interest rate and a smaller deposit when you have the Open Sky Secured Visa Card from Capital One. This is due to the fact that this is an unsecured card and therefore does not need to secure any funds with collateral. The lower annual . . . . . . fee also allows for instant payments of any expenses that you incur throughout the year. If you want, you can also choose to pay off the entire balance every year instead of paying the lower one-time payment.
Capital One also offers a 100% cash back guarantee, which is great for people who prefer to have their purchases insured by cash rather than risk losing their money through an exchange rate error or loss. You can choose the percentage of your deposit, that you want to be refunded as well as how fast you would like your refunded amount to appear in your bank account. One of the major disadvantages of using the Capital One secured cards is that there is an annual fee that must be paid.
The Capital One card is issued by several different financial institutions including: Chase Bank, Discover Credit, First National Bank, and Capital One. While you will notice the familiar logos and design on the front of the card, you will also notice that there are several different options that you can select between such as the length of your grace period, the amount of available credit, what type of credit and/or debit cards that you can have attached to it, as well as the security features that are available. Some of these options include a no-fee ATM rebates, e-lockbox, gift rewards, air miles, free or discounted travel, roadside assistance, and rental car insurance. As you can see, there are many different benefits of having this secured visa credit card.
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