OpenSky Credit CardReviews 276

I admit, in the beginning they did as they promised. My score went up, as long as i paid my account off. But it was the closing of the account that their true colors came out. I cancelled my account on September 2nd, 2017. I wanted to use my deposit to pay it off, they said they couldn't do that and that it would take up to 10 weeks to refund my initial deposit. Well 12 weeks went by and nothing happened. I called them. They said they would investigate and it would take 7 days. I called back 10 days later and spoke to someone else who said no, it wouldn't take 7 it would take 10 - 15. I asked to speak to a manager. She stated more than likely it would be done in 15 days. So i called back a week later ( 17 days after the initial call) They said they had no answer and couldn't guarantee when my deposit would be available. So then i asked for a manager again. Then i asked why he was the 5th person i talked to who gave me a different answer. He said the others must not have known what they were talking about. Now I'm at almost 14 weeks after my account is closed. I had to contact my states attorney general to get my money back, otherwise there is no guarantee that you will get your money back. I officially got my money back 18 weeks after i initially closed my account. That is just horrible business and in my opinion, i think they would have kept my money if i hadn't gone the extra step. I HIGHLY suggest you go somewhere else. The end of the relationship wasn't worth the beginning.

Last year, I cancel my card in October 2017. I was approved for my deposit back because I didn't have a balance. I paid this card more than I should have thought my credit score would get higher, but it didn't and I wasted a lot of money. Anyway, I still have not received my deposit back and it was going into the month of November 2017. Now OpenSky has this policy that after you are approved for you deposit they will send out your deposit within in 2 weeks. Well, it was past the 2 weeks mark. I wanted my deposit before Thanksgiving and I got it too. Let me explain how to all those who have not received their deposit back yet.
First, I realize their customer service was friendly to me and I was sick of how I felt after the phone call. I got no action from them and I still didn't get my deposit, yet.
I went on a site called Consumer Financial Protection Bureau www.consumerfinancial.gov and I visited Federal Trade Commission. Let me tell you this for anyone who can't get through a credit card company. These two sites that I visited will get in contact with anyone dealing with consumer's rights. These companies don't play and mean real business and they stand up for us the consumers who were mistreated by credit card companies or any companies.
My story is I complaint on these sites about my situation dealing with Open
Skycc, com. A real true story, I got my deposit before Thanksgiving 2017. I say if you are having issues with any credit card company, complain about these sites because they stand up for us consumers. They protect us from companies that try to violate consumer's rights. After I have received my deposit, now OpenSky writes me a letter about telling the consumer financial protection bureau and federal trade commission to leave them alone.

I have had the card for 1 year and have had issues since day 1. It took forever to get the card. Then when I put in for an increase, it took an act of congress and approx. 2 mo for approval ( for a secured card). Then once they approved it, 300 was available not 400.00. That was about a month to get that worked out. Now, after 1 year of diligently watching my spending and making my payments on time, my score has been dropped down to only a few points higjer than it was when I started. I am convinced now that this card is actively seeking ways to increase it's profits by exploiting card holders. They made a change to their website and ask that people sign into the new site. I saw nothing about updating automatic payments or updating statement receipt preferrences. Why would you? I geel this was just a way to scam thousands of card holders. They reported a 3 dollar statement fee when I was on paperless statements, which dropped my credit score 40 points. This card has far too many issues and horrible customer service. They appear to be a scam in my opinion. I intend to close the card and report them to the Feds. I suggest that anyone else having issues does the same or they will continue to operate under the radar, scamming hard working people like you and me.

Good Afternoon. I have been trying to contact someone in your corporate office and I have had absolutely no luck at all. I found out that I owed a small balance of $185. After contacting the credit dept. my call was sent to Carson Smithfield who informed me that they could not accept any other payments other than mail. I paid the $23.75 to have the payment over-nighted via USPS on Mon. 11/27. The payment was received. They told me on Thurs. 11/30 that my account was updated as of that day and that they will mail a letter out to me and that Opensky CC would update my (3) Credit Reports. I contacted OpenSky CC today 12/8/17 only to find out that the balance was actually $185.17 and that they have not closed my account because of the $0.17 left. I would have to get a supervisor approval to waive the $0.17 balance on the account before they report to the credit bureaus. They were also unable to tell me how long it would take to process the approval to waive the $0.17 balance and they were not able to tell me when the letter would go out once the supervisor waived the fee.

I lost my card and had my account freezed. Once i received the new card, I have activated, but it keeps declining each time i am trying to make a purchase and that's really embarrassing. So i call customer service and they activated my card then i mentioned to her that i am traveling and dont need anymore embarrassments. She puts me on hole and says sorry for the inconvenience but your card is frozen again and we need a copy of your ID and a decent utility bill. Well at this point I have had it and asked her to close my account, not possible without that information privided to us. So i asked for a supervisor, she comes back from a long hole ti tell me no one is available. This is really a joke, they didnt ask for this information when they were taking my money, but when i need it back they making it so hard. I would like to know if they are robbing people blind legally or this business practices are allowed by our goverment. As a consumer i dictate what happens to my money, not a company tell what should i do. I will not stop posting reviews all over the internet before someone thinks they can rebuild their credit score with this company. I wish i have seen this review before i gave up my hard earned money to those thieves. And i wonder if they even care about their customers.

I recently made 2 payments of 50$ each in that past 2 weeks and each week theyve reversed my payments causing me to loose 150$ altogether including the 25$ reversal fees. I called them and theyre saying my bank declined the payments for insufficent funds which is a lie. I called my bank and in their system it doesnt show no signs of Opensky trying to take money out. As well as my online account. Its making my credit score drop, and me loose out on money. Dont get this B. S. card go to another company that doesnt play these kind of games with your money and credit!

First off let me say this card should not get any negative reviews. If you used this card accordingly and are patient, there should never be any issues with it and you will see results. Customer service could do better with hold/wait time when calling but all that tells you is call when you have time to spare. Again, Im truly shocked at how many negative reviews have been posted against Opensky. Using this card has helped open doors that were once closed to me. Ive had this card for 3 months and saw my credit score rise like never before 150 pts/ 3mo. Thats saying a lot coming from a person who has had a credit score of 441 for the past two years. All I did was buy small purchases like a pack of cigarettes, $10 in gas and energy drinks all at separate times of course. Keep your card utilization under 35% for best results, lower the better. If anyone is still on the fence about applying for this card i hope after reading this will make up your mind. I speak from experience Opensky is a legitimate game changer.

Attempted to access a portion of my available cash and entered what I thought was my pin number. The pin number I entered was incorrect and my card was locked. I called Opensky and had to wait 25 minutes to reach a representative.

The representative told me my card was locked but he could unlock it if I answered the verification questions. I answered the verification questions and he then told me that everything was successful but for some reason he still could not unlock my card. He said that my card could not be unlocked because of too many attempts. He then told me I would have to wait until tomorrow for my card to be unlocked. (I'm writing this review as this situation happened 15 minutes ago)

I advised the representative that my card being locked until the next day was not an acceptable option for me. I requested to speak with someone else. He then told me he get his supervisor on the phone. I waited an additional 15 minutes, on hold, while waiting for the supervisor, and the call was disconnected. I am now on the phone waiting to speak with someone else. The customer service is of no help as of now.

Also, when you make your payment, Opensky processes the payment, however, they take up to five additional business days to make the credit available again.

I am not pleased with this card at all.