How Often Does Opensky Report To Credit Bureaus

OpenSky reports to credit bureaus once a month, specifically within days after your billing statement is generated. This means that all three major credit bureaus (Experian, TransUnion, and Equifax) will receive updates on your OpenSky Secured Visa® Credit Card account, including information about your credit limit, current balance, and payment history.

The exact timing can vary depending on the issuer’s reporting cycle and the credit bureau’s processing schedule.

It may take a few days for the updates to appear on your credit report after OpenSky reports the information to the bureaus. Additionally, new OpenSky cardholders may not see any information on their credit reports for one or two billing periods after being approved for the card.

OpenSky® Secured Visa® Credit Card
Learn More	Earn up to 10% cash back on everyday purchases No credit check required – 89% approval rate with zero credit risk to apply! Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Start with just $200—secure your credit line with a refundable deposit Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Learn More
Purchase APR Rate: 24.64% (variable) – Annual Fee: $35 – Credit Needed: No credit, Poor, Fair – Credit Line: $200-$3000 at time of application – Late Payment Fee: Up to $41

OpenSky Launch Secured Visa® Credit Card
Learn More	Start building credit with just $100 – secure you line with a low, refundable security deposit No credit check required – 89% approval rate with zero credit risk to apply! Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter Earn up to 10% cash back on everyday purchases Affordable payments – minimum payment as low as $10 Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Learn More
Purchase APR Rate: 28.99% (variable) – Annual Fee: $24 during the first year, paid in installments of $2 per month. $36 after the first year, – Credit Needed: No credit, Poor, Fair – Credit Line: $100- $1,000 – Return Payment Fee: See Terms* – Late Payment Fee: Up to $41 – Foreign Transaction Fee: 3%

OpenSky® Plus Secured Visa® Credit Card
Learn More	No annual fee – keep more money in your pocket! No credit check required – 89% approval rate with zero credit risk to apply! Earn up to 10% cash back on everyday purchases Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months Track your progress with free access to your FICO® score in our mobile app Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay Start with as little as $300 – Secure your line with a refundable security deposit Fast and easy application—apply in minutes with our mobile-first experience Flexible payment options—pick a due date that works for you More time to fund—spread your security deposit over 60 days with layaway Join 1.6 million+ cardholders who have used OpenSky® to build better credit! Learn More
Purchase APR Rate: 28.99% (variable) – Annual Fee: $0 – Credit Needed: No credit, Poor, Fair – Credit Line: $300-$3000 at time of application – Late Payment Fee: Up to $41

Frequent and on-time payments to OpenSky will help in building and improving your credit score over time. However, keep in mind that the exact impact on your score depends on various factors, including your overall credit history and utilization rates across all your credit accounts.