{"citations":{"source_mix":{"company_owned":8,"independent":14,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":17,"partial":4},"total_sources":22,"unique_domain_count":13},"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 That Graduate to Unsecured Credit","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Secured Cards With Unsecured Graduation","subject":"OpenSky Plus Secured Visa","unit":"rank","value":5},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-04","platform_support":["anthropic","deepseek","kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"OpenSky Plus Secured Visa","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-04","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"good","subject":"OpenSky Plus Secured Visa","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-04","platform_support":["openai","anthropic","perplexity","google"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"OpenSky Plus Secured Visa","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-04","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"weak","subject":"OpenSky Plus Secured Visa","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":5.5,"best_rank":3,"entity_id":"entity-001","entity_type":"company","final_rank":5,"name":"OpenSky Plus Secured Visa","platform_mentions":4,"platform_share":0.5714285714285714}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-building-rebuilding/secured-cards-unsecured-graduation/opensky-plus-secured-visa.json","page_url":"https://creditconsensusindex.com/credit-building-rebuilding/secured-cards-unsecured-graduation/opensky-plus-secured-visa","report_type":"fit_review","study_id":"CCI-STUDY-908A5038C7B5","title":"OpenSky Plus Secured Visa for Secured Credit Cards That Graduate to Unsecured Credit 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 10:57:50.217222+00","research_date":"2026-09-04","source_snapshot_sha256":"d4ec8b8fb32fc684b2386f0b9e89a8dfb536d0f0416aa9751c60da0e7cd8f8c1","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":15,"qualified_finalists":8,"ranking_unit":"Secured credit card"},"schema_version":4,"summary":"The OpenSky Plus Secured Visa is a mixed-to-weak fit for consumers seeking a secured card with a realistic path to unsecured credit. Four of seven AI platforms named it during ranking discovery, with an average listed rank of 5.5 and a best rank of 3. The strongest reason to consider it is its combination of no annual fee, three-bureau reporting, and no credit check at application, which makes it accessible to applicants with damaged or thin credit. The main limitation is the fundamental uncertainty about graduation: platforms disagreed sharply on whether the card graduates at all, with two…","target_buyer":"Consumers who want a secured card with a realistic path to unsecured credit and potential return of the security deposit while keeping the account open","topic":{"base_category":"Credit building & rebuilding","category_criteria":["Graduation policy","review timing","deposit return process","three-bureau reporting","annual fees","APR","long-term account value"],"geography":"United States","slug":"best-secured-credit-cards-that-graduate-to-unsecured-credit","title":"Best Secured Credit Cards That Graduate to Unsecured Credit","use_case":"Secured Cards With Unsecured Graduation"}}