OpenSky Credit Card

The only bad experience Im having with this car is the fact that it takes a whole week for my payment to actually post on my account. I HATE THAT! If I made a payment today(Thursday), why do I have to wait until next Thursday to actually use the money?!?! It makes no sense! Other than that, it help my credit tremendously! So I guess I will deal with it until my credit gets to where I need it to be.

Be aware, you may have to buy a Laptop or PC to access your account. On two of my Mobile Devices after FOUR YEARS I can not login. Nor can I from my mobile Web Browser. I was on the Phone with Their "Technicians" lol, and they couldn't tell me how to Navigate Open Skys landing page. Told me I have to do it myself and figure it out. Well, thankfully I understand Back and front End of websites. Good luck to those who Don't. Because their Techs don't know Either. I Hope Your Rating and perfect payment history don't get Affected by Incompetent Employees of Open Sky. GL everyone

They don't care about their customers and treat them like garbage. Waste of money and terrible company all around.

I have 2 cards through open sky. One with a $500 secured deposit and my most recent with a $2590 secured deposit. I havent had problems with my $500 card so I felt comfortable opening up the additional account. I took my entire vacation fund and I put it towards having a secured credit card and so they had my deposit. I got my card days before I left for my vacation and when I was on vacation I utilized the card many many times. Every single day I had to call them and have them unfreeze my card because it was being flagged for fraud even though I was telling them numerous times that it was not fraudulent activity it was mine. I don't understand how if I'm telling them it's not fraud and I put the money up for the secured card not them why I kept getting flagged for fraud. The day before my vacation ended as I went to go purchase the rental car to go home My card was frozen and ultimately they had decided that they were going to freeze the card and terminate my business agreement with them because there were too many fraudulent red flags that had gone up even though I called in five times a day to tell him that they were not red flags. So I was unable to rent my car to get home on my vacation. I've never been waiting 3 weeks for the rest of my deposit to be mailed back to me and I don't believe that they're in any rush to do that they were sure eager to get my money but when it came down to it in the end they took my money and then just wanted to terminate our agreement for no valid reason
It ruined my entire vacation having to call that many times and being embarrassed at the cashiers every time that my card was declined. It was a $#*! show and if I can go back in time and not do it I would have just brought the cash on my vacation like I should have or kept it on my cash app card.

I was never taught about the proper use of credit and as I got older, I started to realize how important it is. For the first time ever, I'm at a 640 credit score. This card has helped so much. The payment process is a little sketchy but I've learned that paying from cash app is the fastest way to have my payments submitted. If you're having a hard time getting a credit card because of bad credit this is the card for you. Keep it under 30% and you'll see big changes

If you close the account and it's paid they charge u as they did me and I didn't know 7 months later I tried getting a house and my credit is crap thanks to them they are scammers and give random charges and take money and I proved it yet still filing disputes and getting hung up on

Two times in a row I called to make a payment with an alternative payment method and they still charged the card on file causing me several overdraft fees. Luckily I watch my account and caught it while still in the grace period so my other bills weren't late but when I called open sky about this all they wanted to do was remove my saved account. No empathy for all the overdraft fees, no explanation and definitely no apology. They did not care about the charges they caused me, they did not do anything to make it right. Thank God Y12 saw this has never happened and refunded my money the first time. Now again…. I have to try to make it to the bank before my house payment is charged.

DO NOT USE OPEN SKY CREDIT CARDS! I made a payment, they took the money from my account then REFUSED to release my funds to my available balance. I spoke with 3 different people who "couldn't see the payment" after hours of waiting on a supervisor she says she can't release the funds even though she sees the payment. The lady then hangs up and emails me saying they closed my account! WITHOUT REFUNDING MY MONEY! I had to contact Wells Fargo (the account I used to pay Open Sky). Wells Fargo informed them what they did was illegal and WELLS FARGO RETURNED MY Open Sky payment!

I paid my balance in full and was requesting for a letter of completion but I hit a run around all the time! It's been a week all am getting is different stories for the customer service reps. If it's been over 72 hrs, what else are you waiting for to just generate a letter and sent it to my email. I called today and the rep tells me since I don't consent to phone call, I can't get sent an email how are those connected? Y'all never asked about my email which is already on file and I have no problems with it. Just that it's my preferred method of communication. She tells me that they are the third party company taking calls for open sky. This is ridiculous. You might as well as employ people from other countries like India or Philippines to work for y'all cause I don't think you guys know what goes on with your customers. I would never recommend this card to anyone! Waste of time! Wait time is the longest and then when you get to recovery department, they playing games or they don't even know what's going on.!so frustrating

** STOLE MY DEPOSIT FOR 2 YEARS AND HAVE NOT RETURNED IT**
What started as a credit building journey turned into a credit builder scam. I entrusted OpenSky w its a credit card deposit initial amount of $1000 to begin building credit. As I further trusted them I increased my deposit to $1500. At one point I almost went ahead and increased my deposit further to $5000. Thank the universe something just made me not do it. For 2 years straight I made all my payments ON TIME, maybe just one was slightly late at the most but overall I was near PERFECT. Then out of the blue BOOM they close my account for no reason. At first I was devastated because I wanted to keep building my credit but ultimately I accepted it and was doing fine getting accepted with normal credit companies. BUT, Open Sky would not return my security deposit of $1500. Their customer service often has HOURS of waits, no e-mail, no chat, no text. They have sort of PO BOX for mail and a long long customer service wait nightmare. For years I have waited to get this security deposit back being tossed from one department to the next. Only today have I discovered I have to talk to the "Carson Smithfield" department (Brand New Information) to attempt to get my security deposit back. I've had enough. These crooks should not be allowed to operate! They prey on people needing to build credit then steal their deposit. Give me back my security deposit OpenSky!

These post about how "horrible" this card is kind of have to make me laugh. It's like people forget that this card if for in the first place. Chance are if you are getting an OpenSky card, its because your score is so bad that you can't even get one of the other secured cards on the market.

That happened to me after a job loss last year, which resulted in all my accounts getting charged off and my score plummeted to a measly 499. OpenSky was the ONLY card I could get. So I got it with a $500 credit limit and used it for small things like my netflix, spotify, etc subscription and paid if off when the bill was due.

Yes the app looks like it was made in the 90s, and while it takes forever for the available balance to updated (which shouldn't be an issue if you are using the card properly - you aren't supposed to use more than 30% of your balance anyway) the statement balance is is updated immediately which is important because it lowers your utilization.

Despite all the less than pleasant thing about this card. Guess what? I don't care. WHY? Because after making two on-time payments in the month since I had my card, my score went up 120 points (yes you read that right) to the low 600s. So this card is doing what it's supposed to.

This is NOT a card you keep for your lifetime. It's a card you use to get back on your feet so you can get the cards with the top notch customer service and perks when your credit is worthy of it. Once you qualify for unsecured cards, cancel it and get your money back and be grateful someone gave you the chance to rebuild your financial life.

I've had this card for a year now and I've not had any issues. My credit score is up 200 points and it's amazing. The card itself is nothing fancy, takes a while to report so you have to be careful of when you carry a balance and when you pay it off, but once you get the hang of that it's easy. It also takes some time to update the balance before you can make a payment and after you make a payment so it's not for someone who intends to financially rely on it. I've never had to deal with customer service so I'm not sure how they are, but I'm not sure why I'd ever have to talk to them in the first place.

If you just need something to build your awful credit, this is the perfect card. If you're looking for something to be an actual credit card for financial stability or large purchases, this is not it.

The customer service sucks this is definitely not the right to go if trying to build your credit. They lie and know is on the same page.

You find the card yourself and that's fine but what isn't fine is that when you make a payment it takes a week to affect your available credit. Was told by account rep that it was just the first payment and after that it would be within two days. Made second payment still didn't credit for four days so called and was told always would be 5 to 7 days. Completely BS when you pay fees and fund it yourself. Your money should be available as soon as it clears your bank. Stay away from this dishonest company.

I don't know why the handful of people talking good but, I had this card and credit went down,done how I was 50 cents shy of paying my bill,a half dollar now I had to pay I believe it was 40 dollars and because my account was 50 cents shy 9n my debit card,I can't even use my debit card any more and after just few hours they told all three credit companies that I didn't pay,but how they expect me to pay without my card I don't know but just one time and I can't use.that debit card do I told them after waiting hour to talk if I close out get my deposit 8 have to wait 10 or more weeks before they will send my refund,that is just crazy,they don't help with credit they help mess it up but they all

The same as any other basic secured Credit card. Would like for Credit limit to Menew faster and be able to make debit Card payments.

This company blocked my online access to my account BECAUSE I MADE A PAYMENT two months ago. Think about that. Blocked because I made a payment. Then the company allows only one method of reinstatement, which is to call and wait on hold for over 30 minutes. I have been trying to get through for weeks, to no avail. This company sucks out loud and everyone should be warned not to deal with them or sign up.

A card holder with them for years, times are tough and I couldn't afford it anymore and the app would not let me make a payment. So I called to pay & cancel; I paid a small additional balance over my security deposit and thought that was it. However, when I looked at my account on the app that night a random mysterious payment of $100 was posted ahead of the small payment I had made and approved of $21.91. I never made this $100 payment. It was nowhere in the apps history under payments or any evidence of a payment made on NOVEMBER 16th ANYWHERE! Almost 3 weeks earlier! Supposedly that's what they said when I called. If so why was this not in the app until now and says it was made the same day I closed my account? Why was it not already processed? It doesn't take 2 plus weeks to take a payment. They said it was made on my app which has no data showing that is true. On this phone call I was told because the payment was already processed and made in November they could not stop the charge that is about to overdraw me by that same amount, not to mention the overdraft fees. I asked to speak to a supervisor and while waiting for them to transfer my call, I was hung up on. Now irate I called again, spoke with I think her name was Alicia. She told me the same BS, could not explain any of it, I still was not allowed to speak with a supervisor on this very serious theft of my money. They are doing an "investigation" and will supposedly call me in 1 business day. They still hadn't taken my money but couldn't stop the payment? The payment was old but also new and only appeared in the app after choosing to close my account. This seems to me like a scam or an FU for leaving their services. The amount of distress, unrest, and additional hit to my finances is unacceptable and unexplainable even by them. Will update after the next call.

Got the card for closing on my home as per my financial adviser I had the card for 5 months never increased my credit score I got a notification there was fraud charge so I contacted them and said close the account...never heard another word from them a few months later my wife checked her score and it was well over 700 so I said well alright and went and checked mine and it was below 500...I was extremely shocked so I looked and saw they hit my credit for 40 points for the last 4 months I called them and asked what was going on they said I owed over 300 and it was a secure card for 200...I said it was cancelled 4 months ago when they frauded my account and they said there was late fees and thats where I'm at now fighting with them...ill never get my score back

They tell me to press 1 for my account and then say it's not valid. Then there is a hang up. I cannot get through to possibly the worst customer service unavailable. Will pay off this card in full next month and cancel it before the next yearly fee, which is a joke. There's no perks to this card at all!

Ok opened an secured account to build my credit score some more.
I was at a 710.
Sent them $200 for secured card.
Received a $35 bill for activation before I received card, that's ok.
Received card, paid off $35.
Used it for $28 then paid it off immediately with my debit card.
Next month first report they took 32 points off my credit for opening the account, at least that's why it says on credit karma.
Called and asked why, was told it shouldn't affect negative.
Was advised to call Equifax and get complete copy of credit mailed to them at a po box? Who uses a po box?
Anyhow they said if I did that they would clean up their mistake within 30 days or so.
So I did it.
Well next day opensky took another 26 points off my credit! Literally the next day I got an alert from credit karma and checked it hoping the first mistake maybe was cleared but no it was informing me that the other 26 points were taken.
Lady at open sky said she never seen this.
So here I am day 3 trying to deal with this which took me from decent credit to almost poor in 2 days...
I think I made a horrible decision on opening this account at this point.
Wish I never did to be honest.
Now they basically ruined my credit in 2 days.
With a secured card at that, and I utilized under 20 percent.
Not sure where I go from here but what a headache and major set back.
Damn, man. Smh

Hoping to get this cleared and now I feel trapped to this company because it will effect me even more negatively if I cancel the card.
I almost feel like a hostage at this point.
All for sending them my $ cash.
Wish I could just tell them to keep the $200 put my points back and we are even, you made $200 for les then a month.
Unfortunately don't work that way.

I know things happen and if they clear it up I will 100 percent come back and out a positive review for them.
I'm not here to bash the company, but from the way it went down I'm sure you can understand my frustrations.
TG in mass

I have an OpenSky credit card for two-plus years. They have a very long wait time to speak with a representative. When I call to report fraudulent charges the nightmare begins. They gave me the wrong information and forgot to report all of the fraudulent charges. I tried to tell them because they didn't give temporary credit for all the transactions. They had my credit card account in the negative for one going two months and charged me late fees. They told me how to make a minimum payment I did they still had me in the negative. They transferred me around to another credit card that does not work with my credit card company. My phone calls were disconnected when they put me on hold. On or around September 15,2023, they again gave me wrong information and transferred around a total of 7 people and was still not help with my issues. They told Mr. That the fraudulent transaction investigation was closed but they missed two to three fraudulent transactions I told them many times to add them but they kept saying they were added. It is amazing how disorganized this company is. They told me one thing then I received a letter saying someone else. My credit score was effectively very negative because of their sloppiness. I strongly recommend that you do your business somewhere else. It's many credit cards that can help build your credit with less headaches and mental stress.

This is the worst company, first thing, they take forever to post a payment and you can't pay unless you have a bank account,. Custom services could care less about my frustration and I was charged a 25$ return check feeling didn't make sense at all. My advice, stay far away and find a different card, it will only hurt your credit even when you do the right thing. Shame on you opensky!