7d (edited) • Gems
The "Magic Eraser" — OpenSky® Secured Visa®
Best for: People who have been denied everywhere else (even after bankruptcy).
How it works: OpenSky is famous because they do not perform a credit check. Period. Your limit is based entirely on the deposit you send them ($200 to $3,000).
The Step-By-Step:
Go to the OpenSky website.
Fill out the basic info (Name, SSN, Income).
The Application Secret: When it asks for your income, remember the "Serial Entrepreneur" rule: include your job, your side hustles, and any shared household income.
Send your deposit via a debit card or bank transfer. Your card arrives in 7–10 days.
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The "Magic Eraser" — OpenSky® Secured Visa®
