The OpenSky Credit Card is intended for individuals looking to enhance their credit score through a secured credit card. Nevertheless, there might be a point where you find yourself no longer in need of the card, possibly due to an improved credit score that allows you to qualify for a card offering lower interest rates. This article aims to assist you in understanding the steps involved in canceling your OpenSky Credit Card.
Things to Consider Before Cancelling Your OpenSky Credit Card
Prior to canceling your OpenSky Credit Card, it is crucial to undertake a series of steps. Initially, if you have intentions of canceling your card in the near future, it is advisable to refrain from using it. Subsequently, it is important to inform any authorized users and request them to discontinue using the card as well. Additionally, arrangements should be made to transfer any automatic charges to an alternative credit or debit card to ensure uninterrupted service. Lastly, it is imperative to promptly settle the outstanding balance in order to relieve yourself from any obligations to the company. By adhering to these measures, you can guarantee a seamless transition when canceling your card.
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Prepare for Cancellation
Before moving forward with the cancellation, there are several steps that must be taken:
- Cease card usage: If you intend to cancel your credit card in the near future, refrain from using it.
- Notify authorized users: Request that any authorized users discontinue using the card.
- Update automatic payments: Ensure that any automatic charges are transferred to a different credit or debit card.
- Settle outstanding balance: Repay the remaining balance promptly to avoid any further obligations to the company.
Contact OpenSky Customer Service
The next step is to get in touch with OpenSky’s customer service department:
- To locate the customer service contact information, kindly refer to the company’s website where cardholders are advised to utilize the phone number provided on their billing statement or on the reverse side of their credit card.
- Contact customer service by dialing the number 1-800-859-64121 as mentioned on the website.
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Contact details
| Information | Details |
| Customer Support Phone | 1-800-859-64121 |
| Customer Support email | OpenSky@Card Services |
| Mail address | OpenSky Card Services P.O. Box 660924. Dallas, TX 75266-0924 |
| Official website | https://openskycc.com/contact |
How to Cancel via Phone
- Contact the customer service number found on your billing statement or the back of your card to cancel your OpenSky Credit Card over the phone.
- The website indicates the customer service number for cancelling your OpenSky Credit Card as 1-800-859-64121.
- To initiate the cancellation process for your OpenSky Credit Card via phone, reach out to the designated customer service number.
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How to Cancel via Email
- To cancel your card through email, make sure to contact OpenSky’s customer service.
- Include all required details and clearly communicate your desire to cancel the card.
- Although the exact procedure for cancellation via email is not specified, reaching out to OpenSky’s customer service should help facilitate the process.
How to Cancel through Customer Support
- Canceling your OpenSky Credit Card can also be done through customer support.
- The cancellation process is comparable to canceling over the phone or via email.
- You will be required to furnish your card details and explicitly communicate your desire to cancel your card.
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Request Cancellation
- Contact customer service to initiate the cancellation of your credit card.
- Follow the guidance given by the customer service representative.
- Request the cancellation of your credit card through the appropriate channels.
- Adhere to the instructions provided by the customer service representative.
- Ensure that you follow the necessary steps to cancel your credit card.
Cancellation Policy of OpenSky Credit Card
After initiating the cancellation process for your OpenSky Credit Card, it is essential to reach out to their customer service department and adhere to their provided guidelines. Once you have requested the cancellation, it is crucial to verify the successful termination of your OpenSky credit card.
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Alternatives of OpenSky Credit Card
Certainly, below are a couple of other options to consider instead of the OpenSky Credit Card:
- Discover it Secured Credit Card: This card offers cash back rewards, reports to all three major credit bureaus, and has no annual fee. It also provides an opportunity to transition to an unsecured card after responsible use.
- Citi Secured Mastercard: With this card, you can start building or rebuilding your credit with a low security deposit. It also offers fraud protection and access to your FICO score for free.
Please keep in mind that the most suitable choice will vary based on your individual requirements and financial circumstances. It is advisable to conduct thorough research and compare various alternatives before finalizing your decision.
Confirm Cancellation
It is essential to verify that your OpenSky credit card has been successfully cancelled after submitting the cancellation request. This confirmation is a crucial part of ensuring the completion of the cancellation process.
Video Guide for cancelling OpenSky Credit Card
Conclusion
In conclusion, canceling your OpenSky Credit Card can be a straightforward process, but remember to prioritize a few key steps first. Settle any outstanding balance, notify authorized users to stop using the card, and update automatic payments to avoid disruption. Once prepared, contact OpenSky customer service by phone at 1-800-859-6412 to initiate cancellation.
While email cancellation isn’t explicitly confirmed, contacting customer service can still facilitate the process. Remember, canceling a card can impact your credit score. If building credit remains a priority, explore alternatives like Discover it Secured or Citi Secured Mastercard before making your final decision. By following these steps and considering potential alternatives, you can confidently cancel your OpenSky Credit Card and move towards your financial goals.
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FAQs
Does OpenSky refund your money
After closing your account, the entire sum (minus any outstanding balances) will be refunded to you.
Is it better to cancel a credit card or let it close?
Canceling a credit card will cause a direct hit to your credit score, so more often than not, you’ll want to keep the account open. Correctly managing an open, rarely-used account may require some extra attention, but the added effort will help your credit in the long run.
Is it better to close a credit card or keep it open?
Credit professionals strongly discourage closing credit cards, even if they are not being utilized, for a valid reason. “Terminating a credit card has the potential to lower your credit score, rather than improving it.”