{"id":155,"date":"2026-05-15T15:29:09","date_gmt":"2026-05-15T19:29:09","guid":{"rendered":"https:\/\/www.us.eloanex.com\/how-to-apply-for-opensky-secured-visa-with-itin-step-by-step\/"},"modified":"2026-05-15T15:29:09","modified_gmt":"2026-05-15T19:29:09","slug":"how-to-apply-for-opensky-secured-visa-with-itin-step-by-step","status":"publish","type":"post","link":"https:\/\/www.us.eloanex.com\/es\/how-to-apply-for-opensky-secured-visa-with-itin-step-by-step\/","title":{"rendered":"How to Apply for OpenSky Secured Visa With ITIN (Step-by-Step)"},"content":{"rendered":"<h2>How to Apply for the OpenSky Secured Visa Using Your ITIN<\/h2>\n<p>The OpenSky Secured Visa is one of the easiest credit cards to get with an ITIN \u2014 no credit check, no bank account required, and it reports to all 3 bureaus. Here is exactly how to apply.<\/p>\n<h2>What You Need Before Applying<\/h2>\n<ul>\n<li><strong>Your ITIN number<\/strong> (9-digit number starting with 9)<\/li>\n<li><strong>Valid photo ID<\/strong> (passport, state ID, or consular ID)<\/li>\n<li><strong>US mailing address<\/strong><\/li>\n<li><strong>Email address<\/strong><\/li>\n<li><strong>Deposit amount ready<\/strong> ($200 minimum, up to $3,000)<\/li>\n<li><strong>Debit card or bank account<\/strong> to pay the deposit<\/li>\n<\/ul>\n<h2>Step-by-Step Application Process<\/h2>\n<h3>Step 1: Go to OpenSky.com<\/h3>\n<p>Visit the official OpenSky website. Click &#8220;Apply Now&#8221; on the Secured Visa page.<\/p>\n<h3>Step 2: Select ITIN as Your ID Type<\/h3>\n<p>When the application asks for your Social Security Number, look for the option that says <strong>&#8220;I don&#8217;t have an SSN&#8221;<\/strong> or <strong>&#8220;Use ITIN instead&#8221;<\/strong>. Select it and enter your 9-digit ITIN number.<\/p>\n<h3>Step 3: Fill in Personal Information<\/h3>\n<ul>\n<li>Full legal name (as it appears on your ITIN letter)<\/li>\n<li>Date of birth<\/li>\n<li>US mailing address<\/li>\n<li>Phone number<\/li>\n<li>Email address<\/li>\n<\/ul>\n<h3>Step 4: Choose Your Deposit Amount<\/h3>\n<p>Your deposit becomes your credit limit. Choose between $200 and $3,000. Start with at least $200 \u2014 you can increase later.<\/p>\n<p><strong>Tip:<\/strong> A higher deposit means a higher limit, which makes it easier to keep utilization under 10%.<\/p>\n<h3>Step 5: Pay Your Deposit<\/h3>\n<p>Pay using a debit card or bank transfer. This is NOT a fee \u2014 it is a refundable security deposit that you get back if you close the account in good standing or upgrade.<\/p>\n<h3>Step 6: Wait for Your Card<\/h3>\n<p>Approval is usually instant (no credit check). Your card arrives by mail in 7-10 business days.<\/p>\n<h2>After You Receive Your Card<\/h2>\n<ol>\n<li><strong>Activate it<\/strong> by calling the number on the sticker or going online<\/li>\n<li><strong>Set up autopay<\/strong> for the full balance (prevents missed payments)<\/li>\n<li><strong>Make one small purchase<\/strong> ($5-$15) like a streaming subscription<\/li>\n<li><strong>Keep utilization under 10%<\/strong> \u2014 with $200 limit, spend max $20<\/li>\n<li><strong>Never miss a payment<\/strong> \u2014 this is the #1 rule<\/li>\n<\/ol>\n<h2>Key Facts About OpenSky<\/h2>\n<table>\n<tr>\n<th>Feature<\/th>\n<th>Details<\/th>\n<\/tr>\n<tr>\n<td>Annual Fee<\/td>\n<td>$35<\/td>\n<\/tr>\n<tr>\n<td>Deposit Range<\/td>\n<td>$200 &#8211; $3,000<\/td>\n<\/tr>\n<tr>\n<td>Credit Check<\/td>\n<td>None<\/td>\n<\/tr>\n<tr>\n<td>Reports To<\/td>\n<td>Experian, Equifax, TransUnion<\/td>\n<\/tr>\n<tr>\n<td>Bank Account Required<\/td>\n<td>No<\/td>\n<\/tr>\n<tr>\n<td>ITIN Accepted<\/td>\n<td>Yes (online)<\/td>\n<\/tr>\n<tr>\n<td>Approval Time<\/td>\n<td>Instant<\/td>\n<\/tr>\n<tr>\n<td>Card Delivery<\/td>\n<td>7-10 business days<\/td>\n<\/tr>\n<\/table>\n<h2>Common Questions<\/h2>\n<h3>Will I get approved with no credit history?<\/h3>\n<p>Yes. OpenSky does not check your credit at all. As long as you can pay the deposit and verify your identity, you will be approved.<\/p>\n<h3>Does the $35 annual fee count toward my deposit?<\/h3>\n<p>No. The annual fee is separate from your deposit. Your first statement will show the $35 fee charged to your card.<\/p>\n<h3>Can I increase my credit limit later?<\/h3>\n<p>Yes. You can add to your deposit at any time (up to $3,000 total) to increase your limit.<\/p>\n<h3>When will I see my credit score?<\/h3>\n<p>After 6 months of activity, your credit score will appear on Credit Karma and Experian. OpenSky reports monthly to all 3 bureaus.<\/p>\n<h2>What to Do After 12 Months<\/h2>\n<p>After 12 months of on-time payments with OpenSky:<\/p>\n<ul>\n<li>Your score should be 620-680+<\/li>\n<li>Apply for an unsecured card (no deposit needed)<\/li>\n<li>Consider a credit builder loan for credit mix<\/li>\n<li>Keep OpenSky open \u2014 don&#8217;t close your oldest account<\/li>\n<\/ul>\n<p><a href=\"\/es\/itin-credit-cards\/\">\u2192 See all ITIN credit card options<\/a><\/p>\n<p><a href=\"\/es\/credit-builder-itin\/\">\u2192 Full credit building roadmap<\/a><\/p>\n<p><a href=\"\/es\/7-mistakes-that-destroy-your-credit-when-building-with-itin\/\">\u2192 7 mistakes to avoid<\/a><\/p>\n<div style=\"background:#f8f9fa;border:1px solid #e9ecef;border-radius:10px;padding:20px;margin-top:40px\">\n<h3 style=\"margin-top:0\">\ud83d\udccc Ready to Apply?<\/h3>\n<p>Visit <a href=\"https:\/\/www.opensky.com\" target=\"_blank\" rel=\"nofollow\"><strong>OpenSky.com<\/strong><\/a> and select &#8220;ITIN&#8221; when asked for identification type.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>How to Apply for the OpenSky Secured Visa Using Your ITIN The OpenSky Secured Visa is one of the easiest [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[17],"tags":[],"class_list":["post-155","post","type-post","status-publish","format-standard","hentry","category-itin-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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