- Credit Cards
- Capital Bank

Capital Bank Credit Card Offers
Ongoing APR (Purchases):
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Annual Fee:
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Instant Response:
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Credit Check:
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Credit Agencies Report:
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29.74% (variable)
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$0
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No
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No
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Yes
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Ongoing APR (Purchases):
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Annual Fee:
|
Instant Response:
|
Credit Check:
|
Credit Agencies Report:
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22.39% (variable)
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$35
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No
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No
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Yes
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All about Capital Bank Products
Capital Bank offers a variety of banking products and services along with the Visa OpenSky credit card. Some of the products and services offered by Capital Bank include personal banking accounts and business banking accounts. In addition, Capital Bank also offers several personal loan options, including home equity, mortgage and automobile loans.
The OpenSky Visa credit card offered by this bank comes with several benefits. It is easy to use and it has a quick application process with no credit checks. This card comes with a large range of credit limits from $200 up to $3,000 and rather low interest rate.
Additional benefits of this credit card include credit reporting to the credit bureaus. The cardholders will be able to build their credit score by simply managing their account responsibly. In addition, this credit card can be used anywhere Visa is accepted and comes with Visa's Zero Liability fraud protection program.
Frequently Asked Questions:
Yes. The OpenSky secured card is reported to the three major credit bureaus monthly. Therefore, making your monthly credit card payments on time can help build your credit history. Skipped or missed credit card payments are also reported, so try to avoid being late. Late payments can easily damage your credit score.
The credit card issuer will refund your security deposit after you close your credit card account and pay off the card balance in full. To get you deposit back, you should contact the credit card issuer and request a refund.
If you charge your credit card up to the available credit limit, you should pay off all or a part of the balance before you can continue using your credit card and to avoid possible penalty fees. If you fail to make timely monthly payments, then your card will be considered overdue, which will be reported to the credit bureaus and will lower your credit score. If you are unable to pay off your card balance, you should contact customer service at the number shown on the back of your card.
Currently the OpenSky secured credit card cannot be updated to an unsecured account. Capital Bank does not offer unsecured credit cards for consumers. You can keep your secured card as an oldest credit account to continue building a good credit history.