xtina14366

2 Contributions 217 People Helped

Member Since: December 2011

Most Helpful Contribution

OpenSky® Secured Credit Visa® Card

Jun 20, 2019
Thank you Open Sky
Helpful to 217 out of 222 people

I dont understand why anyone would think of this card in a negative way. Chances are you're interested in this card because you either have poor or no credit. The deposit of $200 is a small price to pay to improve/build your credit. Applying for this card does not put an inquiry on your credit. What I did was save my deposit (and I mentally pretend that i'll never get that $$ back), I bill my Netflix to it every month and set up auto pay to pay the balance in full and then I sit back and just let time do its thing. It takes a few months for the card to start reporting- so be patient. Building/rebuilding credit takes time. And chances are if you're looking into getting this card, you've probably made some poor credit decisions in the past AND that's ok. However, there is no quick fix. This card has improved my credit scores by roughly 40 points in less than 4 months. I do not use this card for anything other than paying Netflix, so therefore I do not worry about how long it takes for my payment to post to the available balance. My goal is to show credit worthiness by making ontime payments. If you have challenges with maxing out credit cards then my advice is to avoid credit cards at all costs and as I said above, save the $ for the depost and pretend it never exsisted... do not rely on this card to get you through the month or to get you between paychecks... remember, utilization is key and you never want to carry significant balance and that is easy to do with a credit limit of only $200. For me, I see no negatives about this card. Open Sky CC does it exactly what it says it will. Think of your credit as a garden....plant the seed (get this credit card), water it (set up monthly autopay) and just sit back and watch your garden grow... it's really that simple!!!

Activity (2 Total Contributions)

OpenSky® Secured Credit Visa® Card

Jun 20, 2019
Thank you Open Sky
Helpful to 217 out of 222 people

I dont understand why anyone would think of this card in a negative way. Chances are you're interested in this card because you either have poor or no credit. The deposit of $200 is a small price to pay to improve/build your credit. Applying for this card does not put an inquiry on your credit. What I did was save my deposit (and I mentally pretend that i'll never get that $$ back), I bill my Netflix to it every month and set up auto pay to pay the balance in full and then I sit back and just let time do its thing. It takes a few months for the card to start reporting- so be patient. Building/rebuilding credit takes time. And chances are if you're looking into getting this card, you've probably made some poor credit decisions in the past AND that's ok. However, there is no quick fix. This card has improved my credit scores by roughly 40 points in less than 4 months. I do not use this card for anything other than paying Netflix, so therefore I do not worry about how long it takes for my payment to post to the available balance. My goal is to show credit worthiness by making ontime payments. If you have challenges with maxing out credit cards then my advice is to avoid credit cards at all costs and as I said above, save the $ for the depost and pretend it never exsisted... do not rely on this card to get you through the month or to get you between paychecks... remember, utilization is key and you never want to carry significant balance and that is easy to do with a credit limit of only $200. For me, I see no negatives about this card. Open Sky CC does it exactly what it says it will. Think of your credit as a garden....plant the seed (get this credit card), water it (set up monthly autopay) and just sit back and watch your garden grow... it's really that simple!!!

Avant

Jan 21, 2016
Customer service could be improved.

I had an Avant loan and had been paying it on time for nearly a year. My husband had applied because we were trying to consolidate debt but he was denied.. when he asked why, he was told they only allow one loan outstanding per household and that was the only reason he was denied. So we paid off my loan and my husband reapplied but was denied! It was very upsetting. Customer service gave us the run around and we never got a solid denial reason. Now whenever my husband logs into Avant to try reapplying, he is directed to an incomplete vehicle title loan, which has been that way for nearly 4 months now. Considering his credit has greatly improved, there is no way for him to apply for anything other than the title loan. Website is poorly done also.