Oskar Blue offers its customers a choice between a secured credit card and a unsecured credit card. Credit cards that have an increased risk of non-payment come with a higher credit limit and thus the name secured Visa card. An increase in the credit limit lowers your risk to the lender and thus you are granted an increase in credit score. If you choose to go in for such an increase, your monthly payments also go up. Hence you will have to pay more as a security deposit.
Oskar Blue has chosen to launch their business from its home base in America. This gives it the advantage of being the pioneer in the field of secured Visa card processing. The manner in which it processes credit cards is top class and thus makes it stand out amongst the rival credit card companies.
In case you have a poor credit score or no credit score at all, you can apply for an unsecured card without making a deposit. You will be required to make an annual fee as a security deposit against the card but your credit score will not get affected in any way. This means that you can use the card without having to worry about the risk factor. The annual fee and the deposit are both necessary to maintain your account balance. Once the balance reaches a certain level, you may need to pay an additional maintenance fee.
You will also need to make monthly deposits to pay off your bills and meet monthly operating expenses. Your security deposit will be determined by your credit score. The higher the score, the higher will be your deposit amount and the lower your credit limit. If you fail to repay your bill in full, this results in a negative remark on your credit report. Thus you will be denied access to facilities available on the market.
However, if you manage to keep your balance low or pay your bills on time, you will be granted with an increase in your credit limit. You will be able to avail of competitive rates from the credit card issuer. To apply for a new account, you will be required to fill up an application form with details of your personal as well as credit history. The forms can be downloaded from the company's website or printed out.
After your application has been approved, you can easily get an openskycc online account. Online applications will not only save your time but will also ensure that your application is processed in a quick manner. Once your application has been approved, you will receive an activation notice. Using the secured card online will require you to log on to your secure credit card website and follow the instructions. You will be required to enter your login ID and password. Once you are done with the initial step of registration, you can access your secured card and start using it.
Once you are done with this, you will receive an activation link which you should print and give to the customer service department. They will then process your application by conducting a credit check. If you have successfully registered your secured card, then you can proceed to the next step which is borrowing money.
You can apply for an openskycc unsecured card by making use of your credit card to make payments for purchases you make online. Make sure to pay your dues on time as this will help you in getting an increase in your credit limit. Once you have obtained approval for an openskycc unsecured visa card, you need not worry about making payment for loans or bills as these will not be charged from your security deposit. However, if you fail to make payment for a fixed length of time, your security deposit will be decreased until you pay your dues on time.
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OpenSkycc – Secured Visa Credit Card : No credit history check ! – openskycc | openskycc
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