{"buyer_scenarios":[{"fit":"best_suited","scenario":"Have limited cash and can fund approximately a $200 minimum deposit"},{"fit":"best_suited","scenario":"Have poor, limited, or no credit history and want to avoid a hard credit inquiry"},{"fit":"best_suited","scenario":"Do not have a traditional bank account and need to fund via money order or wire transfer"},{"fit":"best_suited","scenario":"Prioritize approval accessibility over rewards or the lowest possible fees"},{"fit":"not_best_suited","scenario":"Need the absolute lowest possible security deposit, since competitors like Capital One Platinum Secured offer deposits as low as $49 or $99 for a $200 credit line"},{"fit":"not_best_suited","scenario":"Want a no-annual-fee card at the $200 deposit level, since the standard card carries a $35 annual fee while competitors like Discover it Secured charge $0"},{"fit":"not_best_suited","scenario":"Want a clearly documented, guaranteed automatic graduation path to an unsecured card"},{"fit":"not_best_suited","scenario":"Plan to carry a balance and need a low APR, since reported APRs range from 19.99% to 28.24% depending on tier and source"}],"citations":{"source_mix":{"company_owned":13,"independent":16,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":25,"partial":3},"total_sources":29,"unique_domain_count":16},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Secured Credit Cards With Low Security Deposits","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"final_consensus_rank","qualifier":"Low-Deposit Secured Credit Cards","subject":"OpenSky","unit":"rank","value":4},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","grok","kimi","openai","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OpenSky","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"OpenSky","unit":"platforms","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"OpenSky","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OpenSky","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-04","platform_support":["kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"OpenSky","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.333333333333333,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"OpenSky","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/low-deposit-secured-credit-cards/opensky.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/low-deposit-secured-credit-cards/opensky","report_type":"fit_review","study_id":"CCI-STUDY-E1FBE0E93B48","title":"OpenSky for Secured Credit Cards With Low Security Deposits Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","The deterministic identity audit contains qualification notes that must be disclosed where relevant."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-04 07:46:51.384646+00","research_date":"2026-09-04","source_snapshot_sha256":"9f32077ab172f45081d079b35626aaba405f8de6b65f454784da07dfed659127","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":7,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"OpenSky is a good but contested fit for consumers seeking Low-Deposit Secured Credit Cards, according to the AI platforms that evaluated it. Six of seven platforms named OpenSky during the ranking stage, and fit ratings split across the spectrum: two rated it \"strong,\" two \"good,\" two \"mixed,\" and one \"weak.\" The strongest reason to consider OpenSky is its approval accessibility—no traditional credit check and no bank account required—combined with a relatively low $200 minimum deposit on the standard card and monthly reporting to all three major credit bureaus. The main limitation is cost…","target_buyer":"Consumers rebuilding credit who have limited cash available for a security deposit and want a lower-entry-cost secured card","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Minimum security deposit","three-bureau reporting","annual and other fees","approval accessibility","APR","graduation potential","credit-limit policy"],"geography":"United States","slug":"best-secured-credit-cards-with-low-security-deposits","title":"Best Secured Credit Cards With Low Security Deposits","use_case":"Low-Deposit Secured Credit Cards"}}