Open Sky Credit Card Login: How To Make Your Payment

The OpenSky Secured Visa Credit Card is a secured credit card that’s not only packed with features, it’s also a powerful credit-building too. However, the Open Sky Credit Card Login portal is an online portal that allows you to manage your payments and monitor your credit card online right from your mobile device.

This article contains general information regarding managing your Open Sky Credit Card online account. Additionally, it discusses steps you need to take in order to register and activate your Open Sky Credit Card online for the first time, including when and how to pay your Open Sky Credit Card Bill online. This guide will help you understand everything you need to know about the Open Sky Credit Card.

What you should know about the OpenSky Secured Credit Visa Card

The OpenSky Secured Credit Visa Card is a relatively simple card to understand, which is great for a secured card. Since this is a card with simple features, you can focus on the important things like on-time payments without getting distracted.

Depending on how you use this card, it can be expensive if you carry a balance. This is the case with virtually all credit cards. But if you use your secured card carefully, you can avoid costs and fees outside of the $35 annual fee. To avoid interest, you should pay off the card in full every month by the due date. This helps build your credit and saves you money. Try to avoid putting big purchases on a credit card you can’t afford to pay off in full and on time.


1: Flexible credit limit: One of the best features of this card is the option to pick your own credit limit — a common feature with secured cards. This card gives you a broad range of credit limits when getting started. Since it’s a secured card, you have to put down a refundable cash deposit.

With the OpenSky Secured Credit Visa Card, your deposit is equal to your credit limit. For example, if you want a $1,000 credit limit, you would put down a $1,000 deposit. For this card, you can choose a limit from $200 to $3,000.

If you close your account in good standing and with no balance, you should get your full deposit back within eight weeks. But if you’re building credit, you may not want to rush to close any credit account in good standing. Keeping cards open can help build your credit over time.

2: No credit check required: While many credit card issuers will check your credit scores and reports, OpenSky won’t check your credit when you apply. Because you put down a deposit equal to your credit limit, there’s little risk to the credit card company, therefore eliminating the requirement of a check of your credit. In fact, this card doesn’t even require you to have a checking account.

Quick Facts

  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.
  • Get considered for a credit line increase after 6 months, with no additional deposit required.
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months.
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card.
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months.
  • Your refundable deposit, as low as $200, becomes your OpenSky Visa credit limit.
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule.

How To Enroll In Online Access To Your Open Sky Credit Card Account

To use the Open Sky Credit Card Login portal, you must create an account, including a username and password, which you will use to log in to the system. The process of creating a new account on Open Sky Credit Card Login portal is very easy, please follow the steps given below for registration.

How To Enroll In Open Sky Credit Card Online Access

Go the Open Sky Credit Card Login page and click on “‎Need to Enroll?” button. Be sure to fill the enrollment form with your;

  • Credit card number
  • First name
  • Middle initial
  • Last name
  • Last four digit of social security number
  • Email
  • Secret word
  • CVC/CVV Number. Your CVC/CVV Number is found on the back of your card on the signature panel. It is comprised of the last three digits appearing on the signature panel.

The credentials you create for your online account management are the same ones that you can use to log in to the OpenSky app.

You can manage your payments and transactions in the OpenSky app right from your mobile phone or tablet, see your minimum payment due and next payment date, view recently posted transactions — even make payments right from your device.

Open Sky Credit Card Login Steps

If you have an Open Sky Credit Card online account, you may access it at any time. It’s simple to go into your online account, and you’ll need your login information. You may also use your account to manage your payments and monitor your credit card online right from your mobile device. To log into your online account, follow these simple steps:

Open Sky Credit Card Login Steps

Step 1: Go to the Open Sky Credit Card login page:

Step 2: Upon reaching the Open Sky login page, provide your Username followed by your password in the blank spaces below and then press “Log In”. If the particulars entered are correct you will also be taken to your account dashboard.

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How To Make Your Open Sky Credit Card Payment

You can make your Open Sky Credit Card payments by signing up for Auto-Pay through your online account or via the OpenSky mobile app, both on iOS and Android devices. Just select the “Payment Services” tab and from the drop-down menu you have the option to set up one-time or recurring online payments by linking your bank account to your OpenSky. You can also make payments by mail or calling OpenSky customer service at (800) 859-6412.

Here’s how to make an OpenSky payment:

1: Online: Log in to your online account and select the “Payment Services” tab. From the drop-down menu, you’ll have the option to link a bank account and set up recurring or one-time payments.

2: By phone: Simply call (800) 859-6412 and make a payment through the automated system. Payments made through the automated phone system are free, but if you choose to make a payment through a customer service agent, there will be a $10 fee.

3: Mail: Send a check along with the remittance slip that is included in your monthly billing statement to the following address:

OpenSky Card Services
P.O. Box 660924
Dallas, TX 75266-0924

Open Sky Credit Card Contact Information

Payments Include your name and account number
PO Box 660924
Dallas, TX 75266-0924

Overnight Payments Include your name and account number
Lockbox Operations #660924
2701 East Grauwyler Rd., BLDG 1
Irving, TX 75061

Correspondence, Billing Disputes, General Questions
OpenSky® Card Services
PO Box 9224
Old Bethpage, NY 11804-9224

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