So I'm trying to rebuild my credit and I qualify for a Open Sky credit card. I did some research but mistakenly I only searched for the positive reviews on YouTube where people were saying how great this card is and it's the best unsecured card out there. If I done my due diligence and listened to both sides I think I would have never gotten this shiesty $#*! card. For one I paid my $200 security deposit but it took like two months to get my card because of a chip shortage. But I think that's bs because I lost my wallet twice in one month and had two Wells Fargo debit cards sent to me each on taking Les than a week so that strike one. Strike two is when they sent me a bill when I haven't even received my card yet. I was pissed and called them about the audacity of sending me anything besides my card with a big apology letter to go along with it. So I told them to wave my annual fee which they did. So after the first month I maxed it out and I paid my bill a three days before the due date. It posts on my bank and there's also. But a emergency situation came up and I asked if I could get my credit issued and they told me there's a one time exception to get it early and that's provide proof that it posted on my account. So I faxed the transaction on my app which showed it posted four days ago and had the name of the bank, had my name, the exact amount paid so I thought what else could they need. Then they tell me they cant honor it because my home address isn't on the transaction statement and that it had to be in the form of a bank statement. Bank statement doesn't process for a couple days. It's once a month and they can't give me a simple document of a statement with the info they need which I think there in this scamming type behavior together in the long run. The sick banking fraternity in which they derive from. I even had a banker call for me with me present and they still said no. So now my morality is compromised and I can't do business with such shady people with these shady policies and fine print I didn't bother to read. So even if slow me down a little I cancelled my card even though it's takes 6 to 8 weeks to get my money back, another slimeball move trying to milk your money for as long as they can. But when you deal with crooks who have immunity over everything, even when it's the wrong thing, they can get away with this legal extortion, we have to pay immediately but they don't have to pay us back till two months later BS, there worse then any strong arm artist out there. I recommend Credai it's a way better way to actually build credit and way more consumer friendly than these aholes. And I know people need to make a living and I get it, but I'd rather sell drugs then work for a place like that, there the opposite of what I stand for and what if it were an emergency, getting electricity shut off of a car repo or something worse, and they just still tell you no we don't give a flying fack our rules are our rule and your shat outta luck you fack. That's the vibe I got and I refuse to do business with scumbags like that.

December 20 20 I electronically submitted a $1000 deposit to capital Bank for this open Skyvisa card. After 10 days, I have not received a confirmation that my account had been activated. It took nearly 3 weeks for open sky to acknowledge the deposit and immediately issue the account. It took another 10 days before the card arrived in the mail which ended up being a total of 38 days from deposit to receiving the card. This is the first red flag. On the app when downloading, the only means to contact this company is fire the one 800 number or via mail. I was only using this card to increase credit activity even though my scores were pretty high. I had zero usage until July 2021 where I spent $5.38 at a Costco food court and immediately paid the bill the moment it posted, before the bill closing date. The next month I noticed a $3.50 charge. Had I not randomly open the app, I would never have known a payment was due and could've possibly been late. I checked and found out that it was a "paper billing fee" that suddenly appeared seven months into having this credit card on auto payment and E bill. I found this to be shady and contacted CustomerService and they agreed to remove the charge because I set up the account to be electronic only. Upon the one-year anniversary of having this card, I did not want to pay the $35 annual fee after reading about one of my stocks that capital Bank now has a gold no security deposit option that customers are upgraded to. My FICO score at the time was a 729 And of course I qualified for that product since I had been approved within the last two years with Citibank, American Express, and Wells Fargo with limits averaging $10,000. I wrote a certified letter on November 20 that was marked as received on December 9 by capital Bank a. K. a. Open sky visa. In the letter I requested that the $35 annual fee be waived because I know they were offering a no annual fee option. In the letter I stated that in the event that the $35 annual fee cannot be waived, consider this notice that I wish my account to be closed before charging the next annual fee, leaving it open for one year exactly. The annual fee was not due to be billed until January 17. Capital bank copied the letter I sent mailed it back to me on January 3 and then their letter stated that they "do not understand what I am asking " and they told me that I would have to write a second letter if I wanted to close the account and received a refund of my $1000 security deposit. At this point I have done my due diligence and had proof via CMRRR and their response to the letter weeks prior to the annual fee being billed. This bank has ignored complaints from the OCC and I recently filed a complaint with the BBB regarding this predatory lending tactic. My credit report shows that I owe $35 on a car that I requested to be closed November 2021. As of February 16,2022 they have added an additional $35 late charge, still ignoring the complaints with government banking agencies where I include documentation requesting the account closed. This card is not good for people with knowledge of credit and the income and resources to manage it. They do not offer a chat option, an online messaging option or an email to contact their company. It is difficult to locate any information on Capital Bank, N. A. but due to receiving an email about a stock, I found out about the bank's president, their headquarters and their financials. They name direct communication difficult on purpose, which is the antithesis of the open methods of communication found with companies like American Express.

Hopefully this does not get taken down. I got to say a company that tries to help people save and build credit is real quick to take money from them as well. So I got a statement for the first time in the mail today, which I thought was weird. My balance ALWAYS paid off before the due date and I NEVER been late on a payment. So I open the statement to see what's going on. I see there is a damn balance of $3 dollars for a "FEE". So I keep reading and this fee is a "Service Charge Paper Statement Fee". What set me off is when it states if I don't pay this "fee by the date listed above" I would be charged $38 dollars. So mind you I already paid this fee without even considering questioning it like a week ago thinking it was the balanced owed on what I spent but that's not the case.
The case is that EVERYONE NEEDS TO READ YOUR STATEMENTS every month because these banks finna rip people off and nickel and dime them especially during this recession.
I call OpenSky to request this be refunded and they refused, so I ask them to mail me a copy of the card agreement (EVERY SINGLE DOCUMENT, WHICH IM SURE IS MORE THAN THE 2 PAPERS I RECEIVED FOR THIS STATEMENT) and I was told that I would not be charged a $3 dollar fee for sending me some paper. HOW CONVENIENT HUH!
I then again asked the CSR if she can gimme my money back and she refused. So i closed the account and I'm finna open a new credit card with a company who claims to try and help their customers build credit, but they steady scamming people out of their hard earned money by nickeling and diming them for outrageous fees and then refusing to refund them. GOODBYE OPENSKY. HELLO BANK OF AMERICA SECURED THAT UPGRADED TO UNSECURED CREDIT CARD! FOR THOSE OF YOU WHO WANT TO QUESTION ME I ENCLOSED MY DOCUMENTS FOR PROOF! I AINT FINNA PLAY WITH OPENSKY AND LET THE CEO SIT IN HIS CASTLE WHILE I WORK MY A-- OFF GOING TO SCHOOL AND WORK JUST TO PAY FOR A YAUT FOR A CEO! LETS HOPE THEY MAIL ME MY FULL REFUNDABLE $300 DOLLAR SECURITY DEPOSIT AND DONT ADD ON SOME FEES TO IT. IF THEY DO THAN IM REALLY GONNA GO OFF AND POSSIBLY HIRE A DAMN LAWYER TO GET MY LITTLE CHANGE BACK. IM TELLING YOU OPENSKY NOT FINNA PLAY WITH ME.
#opensky #unreasonablefees #gimmemymoneyback #helloBOA #goodbyeOpenSky

I'm writing this as a current customer, who is in the process of paying off and closing the card. After only 3 weeks having the card I have had to call numerous times to see why my card is being declined when trying to make a purchase be it in person or online. The very first purchase I made was $29 or so and that went through no problem. The next day I attempted to make another small purchase inside of the gas station and it was declined. I was on the phone for just under 30 minutes before I was transferred and told that a fraud alert was placed on my card. She said it was odd because my card was new. So she proceeded to manually override the purchase so it would go through. She told me to give it until midnight to allow the system to refresh. She also mentioned that because I'm in Las Vegas it raised a flag because I made a purchase outside of the city. I explained to her that I online shop like most people do. I've done nothing out of the norm whatsoever. She mentioned the purchase was in Arizona for Godaddy. I didn't know shopping online with a reputable company raised a fraud alert. I was reassured it wouldn't happen again. Yesterday I attempted to purchase myself some dinner and again my card was declined. I was told the card was not valid. I proceeded to call customer service of the food delivery service I was trying to order from and they told me to log out of the app and onto their actual. Com so I did only to get declined again and a message popped up (which I have screenshots of) saying the purchase being declined by the issuing bank. I called O. S yet again to find out what was going on and was told everything was fine and it's not on their end. I call the food delivery service again and was told usually a fraud alert being placed on the card or lack Of funds may cause the decline and message to pop up. I proceeded to try to order from another reputable food delivery service thinking maybe it wasn't my card- nope, declined again. Sure enough, i call O. S back and they transfer me to the fraud department and I was told that there was yet another fraud alert on my card. She stated that because I had a few charges from outside of my city it raised a flag. I explained to her i online shop like most people do. She wasn't listening to me and kept saying that my purchase activity was raising a flag. What activity? She brought up the first fraud flag that was placed on my account for absolutely no reason at all as if she was trying to guilt trip me or something. I told her that I shouldn't have to call in each time I want to make a purchase and that they are unfairly targeting me with fraud alerts on my account. She proceeded to tell me that that's what having a secured card is all about and that secured cards are more strict. She told me that I could call and ask for paperwork stating that I did not want these strict precautions. I don't feel it's right to place false fraud flags on someone's account when normal activity is taking place, nor do I think I should have to call and beg to be able to spend my own hard earned money. I feel their practices are very unethical and shady. I wouldn't recommend this company to anyone, unless they like going out of their way to spend their own money. Before ending the call she explained that I should pay before spending. I literally just sent in $35 days prior, which I told her. And she said that could be what was causing issues. Mind you, I had $117 or so on the card and was attempting to spend $40 or so. At this point it just seemed like she was making up stuff as she went along. Never in my life have I dealt with anything like this with ANY credit card secured or non secure. Absolutely ridiculous. Customer support is horrible as well, straight attitude and act like they are going out of their way to even address you. Unless you like getting declined in a store full of people and having to call and beg for an override is your thing id advise you stay far away. I am protecting myself by seeking legal help as I refuse to allow them to take anymore shady and unethical actions against me.

I cant believe all the negative reviews so i had to jump on and put my piece in as someone who has only benefited from getting this card. This card is not meant for big spending, a ton of usage, partial payments bla bla bla this is meant for ppl who are trying to build or rebuild a credit history and /or repair past mistakes. I literally cannot Believe these reviews. This card gave me a future! I will buy a house one day which is my dream for my kids, bc of this card! Let me just tell you. Yea it sucks paying a fee, yea it sucks they hold your deposit, yea it sucks it takes forever for pymnt to post, but its all explained from day one! So ppl whining about there deposit get over it you will get it back and the annual fee well come on they are helping you, pymnts posting issues? Make a plan and execute! What dont you get?! This card has done so much for me! Anyway i started out i couldnt even get a secured card through capital one but this card OPENSKY, was the only company that would help me. Ill try to briefly explain. They report every month even if you dont use the card total big plus! This card is only meant to rebuild credit not to go out on shopping sprees so you can then complain the payments take to long to post. And the finance charges are too high! Start from the beginning of your month (cycle)and make it work, pay in full every single time! Or dont bother! Thats what i did. Yea it does kinda suck but use your head noone else is offfering you credit otherwise you wouldnt be here! My credit score is beyond my expectations only a year and half after opening this card. I started out w a 517. My real true Fico score is now 786! All started w this card, I did a ton of research and disputed negatives and kept this card olpen. I used it once a month for like gum or something and paid in full every time. Although i found out many months later they still report to all bureaus every month even if you dont use it so i basically dont use it anymore. Anyway fast forward a few months i got an offfer for cap one platinum, no big deal to some but for me a tremendous deal as my last CO card went to collections a few years back. And my now 1st unsecured card, got a couple more cards via shopping cart trick to avoid the hard hits but just a couple. Now about a year later amex offered me a card! Starting 4k limit. 3months later they tripled me to 12k! I got a car loan@ 2.9%. I can go on and on. All i know is i can buy a home now once i have the deposit and i will get a heck of an interest rate. Isnt that what most of us are after? Stop whining ppl this card is the bomb! Do urself a favor dont listen to the negatives look at it how i look at it. It paved the way for a brighter future! U just have to do some work in the beginning ppl are just plain lazy! If what your after is what im after, get the card! You just cant be disapointed. Idk i guess these negative reviewers just want things to happen for them, do the work and you will praise Opensky. I leave my reviews everywhere i see the option for opensky they need to be recognized for being the only company that really helps ppl like me!