OpenSky CC Customer Service Number — complete guide for cardholders

Where to find the official OpenSky customer service number

The single most reliable way to get the correct OpenSky customer service phone number is to check the physical card and the most recent statement. The issuer prints the current contact number on the back of every OpenSky Secured Visa card and in the “Contact Us” footer of the official site (https://www.openskycc.com). Because issuers sometimes route different kinds of inquiries to different call centers, the number printed on your card and on your statement is the authoritative number for your account.

If you do not have the card physically available, log into your OpenSky account online and open the “Messages” or “Contact” area: the secure portal will display the correct telephone numbers for general service, payments by phone, and lost/stolen cards. Do not rely on third‑party aggregators or forum posts for a phone number — always validate against the card, statement, or openskycc.com to avoid scams and misdialed hotlines.

Typical contact channels and what each is for

OpenSky maintains multiple contact channels: a general customer service line for billing and account questions, a 24/7 lost/stolen card hotline for emergency card blocking, a payments-by-phone line (often with separate instructions or fees), and a secure messaging/complaint process through the online account portal. Each channel has a different handling protocol: fraud and lost/stolen calls are prioritized and usually routed to a dedicated team, whereas credit line requests or disputes may require documentation and longer resolution windows.

• General account service: use the number on your card or the secure portal for balance inquiries, payment posting questions, address changes, and general support during business hours.
• Lost or stolen cards / suspected fraud: call the emergency number printed on the back of your card immediately; this line is typically staffed 24/7 and will cancel and reissue a card.
• Payments by phone: an automated or live-pay line may be available; verify any convenience fees before authorizing a card or third‑party payment.
• Secure messages & disputes: submit billing disputes and documentation through the account portal or by certified mail to the issuer address on your statement — this creates a paper trail and complies with the Fair Credit Billing Act and issuer dispute procedures.

How to prepare before calling OpenSky customer service

Preparation speeds resolution. Before you call, have your account number (from the front of your statement or online portal), the last four digits of your Social Security number, your full name as it appears on the account, billing address, and one or two recent transaction dates and amounts. If the call concerns a payment, be ready with the payment method (bank routing and account number if ACH, or debit/credit card number if paying by card) and the exact amount you want to post.

Use a clear, concise script so you provide data efficiently and record the representative’s name, reference number, and the time and date of the call. If the inquiry is a dispute, note that issuers generally require you to submit supporting documents — copies of receipts, merchant communications, or proof of return — and they may acknowledge receipt within 30 days and resolve within a longer statutory window (commonly reviewed and updated by the card issuer and regulator).

• Essential items: account number, last 4 of SSN, DOB, billing address, and two recent transactions (date, amount, merchant name).
• For disputes: copies/screenshots of receipts, merchant emails, order numbers, shipment tracking, and the date you first attempted to resolve directly with the merchant.
• For payments: bank routing number (9 digits), account number, or debit/credit card number and expiration date if using card payment.

If you can’t reach OpenSky by phone: escalation and written options

If the phone queue is long or if you need a documented escalation, use the secure messaging system in the online account portal or send a certified letter to the issuer address shown on your monthly statement. Certified mail creates proof of delivery, which is useful if the issue turns into a billing dispute or regulatory complaint. Keep copies of everything you send and record the certified tracking number.

If internal escalation does not resolve the problem, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov or by calling the CFPB consumer helpline. Provide your account reference, copies of correspondence, and a timeline. The CFPB and state banking regulators will forward the complaint to the issuer for a response, which often results in a written reply and a resolution timeline.

Practical numbers and product details to be aware of

OpenSky Secured Visa cardholders should be aware of key product numbers that affect strategy and costs. Historically, OpenSky’s secured product required a refundable security deposit (commonly in the range of $200 to $3,000) that establishes your initial credit line. Many cardholders report an annual fee in the mid‑$30 range and APRs for purchases in a variable high‑teens to mid‑20s percentage range; exact APR and fee amounts are shown in your cardholder agreement and can change, so verify the current terms on openskycc.com or on your statement.

OpenSky typically reports account performance to all three major credit bureaus (Equifax, Experian, TransUnion) monthly, which is the primary mechanism by which secured cards help build credit. If your goal is to graduate to an unsecured product or to improve your credit score, ask customer service about their upgrade policies, required on‑time payment history (commonly 6–12 months), and any minimum score or deposit requirements for conversion.

Does OpenSky refund your money?

Yes, opensky will refund your money within 4 to 8 weeks after you close your account and pay off your balance. As secured credit cards, the opensky® Secured Visa® Credit Card and opensky® Plus Secured Visa® Credit Card require a security deposit to cover any balance you don’t pay off.

How to cancel opensky credit card without calling?

You may also terminate your right to credit under the Account by calling Customer Service or writing to the OpenSky Card Services, P.O. Box 9224, Old Bethpage, NY 11804-9224. Any request to terminate your credit privileges will be effective only after we have had a reasonable opportunity to act on such request.

What credit card has a $2000 limit for bad credit?

The opensky® Plus Secured Visa® Credit Card is one of the best credit cards with a $2,000 credit limit for bad credit. You can get a credit limit of $2,000 by placing a $2,000 security deposit, and there’s neither a credit check when you apply nor an annual fee.

How often does OpenSky increase credit limits?

After your first six months of on-time payments—and every three months after that—you may be eligible for a credit line increase without adding to your original deposit. This means more to build with and more spending power when you need it most.

Is OpenSky a bad credit card?

The opensky® Secured Visa® Credit Card and opensky® Plus Secured Visa® Credit Card, issued by Capital Bank, are legitimate credit cards. The latter card is among NerdWallet’s list of the best credit cards for building credit.

What is the phone number for Openskycc customer service?

1-800-859-6412
Please contact our Customer Service Department by calling 1-800-859-6412. We welcome relay calls, please dial 711 (Nationwide) to engage Telecommunication Relay Service.