No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. Build credit quickly. OpenSky reports to all 3 major credit bureaus. 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months. We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.) OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way. *View our Cardholder Agreement located at the bottom of the application page for details of the card.