Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
Easy application, apply in less than 5 minutes right from your mobile device
No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
Excellent option for a low fully refundable security deposit, get started with just $100
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
Earn up to 10% cash back on everyday purchases
Minimum payment as low as $10
Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
Monitor your credit progress with free access to your FICO Credit Score.
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
Now you can make smaller partial payments towards funding your security deposit over 60 days
Over 1.4 million cardholders have used OpenSky Secured Credit Card to improve their credit"
**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply!
Fast and easy application process; results in seconds
See if you’re Pre-Qualified without impacting your credit score
Initial Credit Limit of $300 – $1,000* (subject to available credit)
Monthly reporting to the three major credit bureaus
Use your card at locations everywhere that Mastercard® is accepted
Free online account access 24/7
Mastercard Zero Liability Protection (subject to Mastercard Guidelines)
35.90% Fixed Apr
Please note this offer has: upfront processing fees, annual fee, and monthly maintenance fees
*See all terms in conditions on website.
This offer is NOT available in the following states: MA, CO, WV, IL
Some Requirements (Not limited to)
You need to have an existing checking account
note: Having the above does not auto approve you. The bank will still look at other factors when making a decision.
Is there a credit check when I apply?
The pre-qual process is a soft pull (page 1 when consumer submits an app).
If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.
How long does it take to make a decision about my application?
In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.
About Continental Finance:
Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.
Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!
Who is Celtic Bank?
Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.
Anyone is eligible, as long as we can verify your identity and business. Perfect for people with thin or no credit, since there is no credit check and no minimum credit score
Business requirements, the company must:
Have a registered EIN (Employer Identification Number issued by the IRS
Be at least 3 months old
Be a LLC, partnership, or Corporation
Be located in the United States and have a physical US address place of business
Individual requirements:
Own at least 25% of the business
Have no co-owner(s) that individually own 25% or more of the business
Be at least 18 years old and be a permanent US resident
Have a physical US residence
Have a valid SSN or ITIN
Have a valid identification document (Drivers license, State ID, Passport, Permanent Resident Card)
Impacts 90% of the factors used to calculate your credit score
Payment history (35%)
Amount of credit (30%)
Length/age of credit (15%)
Credit Mix (10%)
New Credit (10%)
We’ll report loan payments each month. Making on-time payments are a positive signal to credit bureaus and help your score.
All credit products are designed to give customers the ability (but not requirement) to demonstrate good financial behavior. The reverse is also true - Late payments are also reported!
The account is reported and will appear on a customer’s credit profile within 30-60 days after the first loan payment due date
The first payment is due 30 days from account opening date and due on the same day each month
How CreditStrong Business works:
A secured loan is issued to you, and deposited in a locked savings account in your name held at Austin Capital Bank, the 5* rated community bank that powers CreditStrong
These funds are secured, meaning they are not made available to you immediately
Each month, you make monthly payments towards the secured loan which pay down the loan balance
Each payment is split into 2 portions
Interest: Cost for keeping the account open, account maintenance, reporting, etc. Think of this as the money you pay CreditStrong to build your credit.
Principle: this goes towards the loan balance and principal payments will be available for withdrawal on completion of your loan. Think of this as money you pay to yourself each month for future use.
Each month, we report payment behavior to Equifax, PayNet, and SBFA. (remember:
make complete, on-time payments so we’re reporting GOOD credit behavior!)
We plan to expand commercial credit reporting to Experian and Dun & Bradstreet in the near future.
What happens when the loan is paid off?
Once the loan is paid off, the secured savings account is unlocked
The funds in the unlocked savings account can then be withdrawn
Once the account is paid off, it will be reported to credit bureaus as “Paid in full with a $0 balance” / ”Paid off”
Canceling:
You can choose to cancel early with no prepayment or early termination fees.
If you cancel early, the difference is unlocked, and the funds in your saving account (if any) can be accessed and transferred to your payment method on file with no fees or penalties
If you have already made the admin fee payment and 1 or more loan payment (It will be closed out and reported as “Paid in full with a $0 balance” / ”Paid off” (which is the same as if you were to pay it off fully – there is no difference in reporting))
If you have not made any payments or have made the admin fee payment but not a loan payment. It will not be reported and will not show on your credit report o If you have made more than 1 loan payment and want to cancel early. We use your secured savings to pay off the remaining loan balance
Access the Nav Prime Card as part of Nav Prime — the only solution that lets you track your credit progress while simultaneously building your business credit.
Nav Prime gives you up to two tradelines, detailed credit health data, business banking, and access to the Nav Prime Card — the only business credit-building charge card with no credit check, no personal guarantee, and no security deposit required. Access Nav Prime’s benefits without any big bank barriers².
Access the Nav Prime Card¹ as part of Nav Prime — trusted by 250,000+ for building business credit history and managing credit health.
Build business credit from your everyday purchases with the Nav Prime Card — no time in business, credit, or annual revenue minimums.
Get up to two tradelines from Nav Prime membership payments ($49.99/mo) and Nav Prime Card use for business credit-building.
Nav is the only place you can see both business and personal credit data lenders see for confident decision-making.
Access Nav Business Checking to manage money with no domestic fees or minimum balance.
Nav Prime customers are nearly 2X more likely to get approved for lending through Nav. ¹
Disclosures:
¹Compared to customers without Nav Prime who were approved for lending through Nav. All offers are subject to lender underwriting and approval, which does not include status as a Nav Prime customer. Individual results will vary.
²There are no requirements to get Nav Prime. To get the Nav Prime Card, you are required to be an active Nav Prime member, have an approved Nav Business Checking application, and a successfully linked bank account to use as repayment for your Nav Prime Card balance. The Nav Prime Card is currently not available in ND, SD, NV, and CA.
Nav Technologies, Inc. is a financial technology company and is not a bank. Banking services are provided by Blue Ridge Bank and Thread Bank, N.A; Members FDIC. The Nav Business Checking account is offered by Blue Ridge Bank N.A., Member FDIC. The Nav Prime Visa® charge card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa charge cards are accepted.