"Best Of The Worst"
Public Savings Open Sky Secured Visa Credit Card Review
Written by: roughdraft on 2010-08-21
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
roughdraft's review: 
This is probably the best card for rebuilding credit that I've come across so far. One time processing fee of $75 and then no annual fee! Your credit limit is the amount of your deposit. When I asked, should be return in as little as 10 weeks if card is paid in full each month. Reports to all three. FDIC insured. 0% introductory APR then only 11.29% that's a pretty good APR, even when compared to the big banks.
Will check my score again in 4 months to see what the improvement is.
This is probably the best card for rebuilding credit that I've come across so far. One time processing fee of $75 and then no annual fee! Your credit limit is the amount of your deposit. When I asked, should be return in as little as 10 weeks if card is paid in full each month. Reports to all three. FDIC insured. 0% introductory APR then only 11.29% that's a pretty good APR, even when compared to the big banks.Will check my score again in 4 months to see what the improvement is.
3 Comments
Comment 2 by roughdraft
Re: Best Of The Worst 
on 2010-08-22
Thanks Thomas, I've read some of your reviews, like one you made on a Discover Platinum card and then the Nationwide bank card. I had 3 cards 2 with 5,000 CL and one with 2,500 Cl before things started going sour. I'm just now starting to work on rebuilding my credit. I just went online today and opened an account with Crown Jeweler's. No credit check, and reports to all three. I've been having trouble checking my Fico with Fico Karma... Had to pay $30 to see mine. So I'm learning from you guys until I can start building some good credit again. Thanks again!
on 2010-08-22 Thanks Thomas, I've read some of your reviews, like one you made on a Discover Platinum card and then the Nationwide bank card. I had 3 cards 2 with 5,000 CL and one with 2,500 Cl before things started going sour. I'm just now starting to work on rebuilding my credit. I just went online today and opened an account with Crown Jeweler's. No credit check, and reports to all three. I've been having trouble checking my Fico with Fico Karma... Had to pay $30 to see mine. So I'm learning from you guys until I can start building some good credit again. Thanks again!
Comment 3 by wanderer
Re: Best Of The Worst on 2010-09-02
Good luck... I know nothing about this card but you are rebuilding and trying to minimize getting ripped off is ever important. You may want to explore a Bank of America Secured Card or Citi Bank Secured. Both are good on graduating folks to unsecured and the annual fees and interest are fair, unlike most of the sub-prime issuers.
on 2010-09-02 Good luck... I know nothing about this card but you are rebuilding and trying to minimize getting ripped off is ever important. You may want to explore a Bank of America Secured Card or Citi Bank Secured. Both are good on graduating folks to unsecured and the annual fees and interest are fair, unlike most of the sub-prime issuers.
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Disclaimer: This content is not provided by Public Savings Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Public Savings Bank. Review content is powered by Finance Globe.
