OpenSky Credit Card

There were a lot of issues for this card from customer service to payments credited. The customer service team is AWFUL! They talk to you like you are beneathe them, and try to make you feel stupid. As far as payments, I made a $50 payment on June 29th and a $50 payment on June 30th. My credit isnt even available until the 7th and 9th of this month. Then, when I tried to close my account they told me that it would take 10 business days for my security deposit to be credited, and another 3-4 weeks for my money to be sent back to me. The supervisor I talked to was a piece of work. Worst credit card experience EVER!

My credit score went from 600 to 411 after they hit me with an annual fee as soon as I activated the card, I wasn't actively using the card and was unaware of this fee which eventually turned into a 30 day late fee, then a 60 day late fee, then a 90 day, then a closed account, all of which was reported to a credit bureau which tanked my score over 180 points, all because of a $30 fee. Again I NEVER USED THE CARD ONCE DURING ALL OF THIS. Now I'm in a situation where I need to rent an apartment and my applications are getting automatically rejected due to poor credit score.

DONT believe the hype they told me i could pay thru western union a week later they rejected the pymnt it took another week2 get my money back minus the w. U fees then i mailed a money order it took another 2 weeks b4 they credited my account then they put a block on my card after they cashed my m. O then told me i had2 send a letter from my bank and wasnt able to allow me to use my card nor close my account till i jumped thru hoops i had2 threaten2 call the news n bbb then they unblocked the card n i closed it DONT deal w open sky

After repeated problems with delayed payment posting, poor customer service I closed my account and in a couple of months received my security deposit back. Months later they send me a refund check for $ 18 due to their bad math. Months after that they call me to say they mistakenly that they sent a second $ 18 check in error. They told me not to cash it and to send it back to them, I said I would but at that time I had never received a second check.

The second check never arrived so I forgot about it. Today I get an email saying my account s past due and to pay the balance immediately. I call customer service to explain that I never received a second check and to check their records to see that I have never cashed a second check. The customer service rep didn't budge and told me to pay the $37 now. So a 100 % late charge on a second check I didn't receive on an account that has been closed for a while now. I suspect the 1st check I did receive was in error and the second check was a lie to get me to pay back the original $ 18.

I will pay the $ 38 because they will ding my credit for this small amount. Very shady practices from this company and you should be wary of them.

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.

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.

I applied with this company April 28 or 29th got email May 1st our cards have been shipped out, They have no numbers on there website to call, I had to find out corporates phone number searching for it, when I call them supposedly they got the cards sent back to them because of an incorrect address and I have an email with proof that I had the correct address that's one lie already, than I asked them to refund my account and they refused I told them they are quick to take money out but not to return it, hate companies like this, now I have to wait 10 days of processing than another 3 to 4 weeks to get my check ridiculous I told them if I don't t get my money back ASAP I will file a police report. Haven't even got my card and sure hope they refund full amount because is not I will take legal action on this company you don't play with peoples money. Especially when you are referred smh never again.

I got email to apply for opensky credit card I pay 200 on November 2020, I receive a email to sent my identification and I ask them to get the money back opensky sent me a email on December 17 2020 they sent me the refund, on 23 December 2020 I call them they said my money already sent to my bank account sent that I being called them they tell me the same thing I need my money back

So I just recently became a customer for first impressions this crediter is horrible they have no customer service skills. I applied and got approved and deposited the money when Iid that I callled to see how long it would take to create my account it took them two weeks to create my account then when it's been approved and I received a email letting me know I was. So I called because I had spoke to two separate employee representatives about having it overnighted to me or rushed they told me that was a option for me but then when I called today the supervisor was very rude she wasn't helpful shaneka needs to learn customer service I work in property management and real estate and I would never have a customer that I couldn't help them with a issue or come to some sort of resolution. I waited on the call for a hour and half just to speak to someone. When shaneka spoke to me she told me there was no other supervisor and that I'd have to wait on a call back. I think this is really ridiculous and highly unsatisfying. To me first impressions are everything I'm very much upset at the fact there telling me I now have to wait a entire 3 weeks almost just to received a credit card. Like I'm so upset and I won't be recommending this to anyone anytime soon. ESP just due to the lack of communication on open sky's behalf and your representatives need to be trained. I hope this makes it to corporate.

I opened asecure opensky credit card with a deposit of $1000 dollars, i closed my account and i made the last payment of $95.79 which they told me to pay. After that they told me my $1000 dollars were forfeited, i cannot get it back. NEVER APPLY FOR THIS CARD. WHEN YOU CLOSE YOUR ACCOUNT IN THE FUTURE, THEY WILL TELL YOU ANYTHING TO KEEP YOUR DEPOSIT, YOU WILL NEVER GET YOUR MONEY BACK

Received the card in fairly decent time however whenever I called the customer service was rude and acted like I was a second class citizen. I was merely trying to restore my credit standing after a financial loss. Once I received the card, I began m, aking a few small purchases. I have paid the balance each month. This month I had a family emergency. My father took ill with cancer and had to rush out of state. I paid the minimum due of $25.00 on a balance of 85.00. Well, this was a big mistake. The payment didnt post for days, which caused it to be late. I was charged $25.00 late fees on balance and an additional $25.00 which I did not authorize from my checking account. Now, errors happen, however when I notified my bank they confirmed It was debited twice! So now my $25.00 minimum payment became 75.00 plus interest and now my balance is 148.00
This is fraudulent. To make matters worse, I received a letter threatening me that I have exceeded my credit allowance., while traveling my card would not work, and now I owe half of what I had available.
It is terrible that large companies think they can get away with these acts.
I intend to follow thru with the consumer reporter in my state and give them the details. I have already contacted a agency who has advised me to report this to the authorities.
Hopefully before I have to take measures, the next call I make to the corporate officer who wrote the nasty letter to me, will review the case and see how unprofessional and scams they are performing.
I urge you to be cautious when dealing with this company.

Like others here, I opened an account over 2021 in GOOD STANDING. Payments ALWAYS on-time, no balance, no carryovers. Suddenly 2022/23 aliens have kidnapped them holding for ransom, because I underwent a lay-off but STILL managed to pay on my account. The Nov. Payment didn't credit due to a glitch... and they began tacking on late fees and recurring interest, which was BS. Calls to their CS relayed excuses that they 'couldn't excuse' glitches and other issues. The fees were my responsibility including the outrageous $400+ balance (I've NEVER gone over $250) I am DONE with them, and contacting the BBB

The card was easy to get and pay for. You can use a debit card to OPEN the account and it's true you don't have to have a traditional bank account to be approved. HOWEVER, you DO have to have a traditional bank account to PAY your bill. It does not accept any debit card unless it's associated with a traditional account and does not accept payments from online banks such as Chime. Leaving many people with the only option of mailing in payments. They also take up to a week to post your payment so if your due date is say, the 11th, you need to mail out the payment by the first of the month to be sure to make the due date.
They also run a month behind in credit reporting.
On the upside they seem to have upgraded their customer service and I was able to get a live operator by pushing 0 at the end of the recorded message. I still don't know why the 800 number is associated with a debt collection company on Google but it is what it is.
Overall it's an ok service. Could be great if they accepted any kind of payment method but they don't. So if you get the card just be aware that the method you used to open the account may not be accepted when you pay your bill on the account. Which is why I will be closing it.

I opened this card to IMPROVE my credit. It did the exact opposite. I got billed before I got the card for the annual fee, then a rep told me to not pay my bill because I had a credit on my account. I didn't. Then I go to pay my bill and the system takes TWO PAYMENTS! So I call my bank and stop payment on those and Open Sky shuts my checking account down for information that THEIR REP TOLD ME! What kinda BS are they pulling? I'll take the credit hit and cancel this card immediately. So at FAR AWAY FROM THIS COMPANY!
I just kept thinking that this is a SECURED CARD, not a credit card. So we're talking about MY MONEY, not nothing that this company gave me, I sent the money in, out of MY POCKET! GTFOHWTBS!

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.