OpenSky Credit Card

So I receive paper statements from Open sky which is where they notified me that my $38 annual fee was going to be posted on my account so by the time I had gotten it I had already spent money on the card which of course put me over 30% of my credit usage which resulted in my credit score dropping 4pts with 2 credit bureaus and 6 pts with another. When I called in the initial Service agent could not help me so she escalated me to the rudest woman that I have ever spoken to. I have no clue how she was ever promoted to supervisor. She did not help AT ALL and proceeded to talk to me like I was an idiot. Needless to say I will be paying them off and canceling this card immediately. Don't bother with open sky. Using them to build your credit is counter productive. If you wanna build Your credit use Self. They took my credit from 4 (yes it was really 4) to 722 which as you will see in the photo I provided went down to 718 thanks to open sky. Self is amazing and once you make enough payments on time they offer you their credit building credit card which has a way better app that keeps your credit score posted and your payments don't take a week to process.

Reporting to FBI AND CONSUMER LEGAL governor's files to investigate this process step by step, sounds highly unethical and disruptive. Bank verified they had my correct account and routing number and all phone conversations recorded

I owed nothing and payed cash until my girlfriend and I needed a loan for a home, all we need was a 650. My lowest score was 616. Opensky had good reviews so I applied, got approved, and sent my $300.00 deposit.
Now for the next two months I was told my card was in the mail. Somehow the mail returned it so they say and again tell me to watch the mail for my new card, mean while they filed with all the credit reporting agency's that I was over 30 days late and owed $62.00.and a late fee of $38.00. Lowered my score to 529 from 616. They said they will correct the credit report, now it shows I am current but also past due. There is a better way, Self Inc. you make small pymt's each month into your savings and 3 months later you get a unsecured Card.
They report each month. $35 per month in savings and shows credit card and a loan payment history increased my score 50 points to 579 in 90 days. As a authorized user my Girlfriend score went up 70 points from my Self lender account. My total cost so far was $24 fees and $125 in savings. Opensky failed to issue me a credit card and went out of their way to burn my credit so they get ONE STAR.

These people are scam artist I never used the card at alll and am constantly being charged a late fee and late payment for a paper statement fee that they issued because Im not registered online and I cant register my account online because I have no physical card. I have tried to reach out to their customer service about the issue and they kept telling me that I owed this late payment and statement fee so I said fine I will pay it and please cancel my credit card account pay my late fees and send me back the balance. They said they would so I just wait for the refund and think that I am all good to go. A month goes by and I get another notice in the mail and Im charged another late fee. Now when I call customer service they always put me on hold for hours and I cant get any one to help. If I call from my phone on file it says that they are loses. They are ruining my good credit. I have been denied bank loans because of a late payment that I cant seem to get them to pay and close the account. My next step is to contact an attorney. It just really makes no sense all because they wont close the account. Buyers be ware of this company and stay away at all cost. Oh and by the way if the people at open sky are reading this please close my accounts with you. Ending in 6662 immediately or please at least contact me. You can reach me through my account number.

I applied for this card because I desperately need to rebuild my credit... I was naive and careless in my early twenties and now that I'm at a point in my life where I want to buy a house and a new car, I realized my mediocre credit score was not going to do. I was scared about some of the reviews but went for it anyways. I figured $500 was a good limit to have since I read it's wise to use just 30% of your credit limit at a time and was "approved" instantly. The confirmation email I received stated I'd receive the card in the mail in 5-7 days after my payment got cleared from my bank. It took 16 days to receive the card. I activated the card and paid the $35 annual fee as soon as I got it. It took 10 days for that payment to post! I haven't used the card yet and two days ago I get an alert on my credit report that my score went up 23 points! So excited! Yes, it's annoying how long it takes to receive it and have your payment post but I think it's worth it. Like a lot of other people using it to fix their scores, I plan on using it once a month and just for small purchases; I'm closing it as soon as I feel I'm in a good place with my score. It's worth it!

I opened this card 7 months ago, I have been using 10%-30% of it and paying early. I have been checking my credit report and the card doesn't even show on my report. Totally a waste of time these months. I have read very good reviews on it which is why I got it however, it has not helped my credit at all. Every time I try calling they keep me waiting for more than an hour and I end up hanging up. VERY UNPROFESSIONAL COMPANY it's a SCAM for me at this point.

YOU GUYS ARE $#*!ING TRASH! My best friend (whom happens to be schizophrenic) didnt know better and was approved for a credit card provided she pay a $200 deposit-- she paid it online and *NEVER received the $#*!ing card* She has been literally, calling every other say since the end of May 2020 trying to get her $200 back; WAITING UP TO 45 MINUTES ON HOLD and I'm sitting right next to her as you guys make $#*! up as to why the checks been sent back to you guys 3 times due to address issues etc. Its another 10 minutes (that WE wait, every day) to talk to the dumb $#*! manager who is almost as stupid but DEFINITLEY as full of $#*! as the customer service reps! () FINALLY? They said they would FEDEX it OVERNIGHT IT etc BUT CAN NEVER PROVIDE A TRACKING NUMBER & guess what its $#*!ing september and my girl is still patient YET confused, YOURE TAKING ADVANTAGE OF INNOCENT PEOPLE WITH MENTAL HEALTH ILLNESS/DISADVANTAGE and I hope to god somebody shuts your bull$#*! down

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The customer service woman who I spoke to over the phone was very friendly and helpful the wait time wasn't too long. Overall good experience thank you very much

This company is terrible I mean literally terrible! They just erased my review I had gave this horrible company a $200 deposit over a month ago and have yet to receive my credit card! I've called the customer service number provided on their website and there's never a live person, so what I did was call the bank (capital bank not capital one) their associated with and had to speak with one of the staff members there. They asked for my information including my SSN (which i did not give because it seemed odd) they told me they were going to email "OpenSky" so they can resolve my issue. Honestly, both of these companies are full of it I'm calling business of bureau ASAP and if you're having the same issue you need to call too I honestly wished I looked at the reviews before giving them my hard earned money! This company should not be able to do this and I don't understand why experian would even recommend this horrible company smh l. Please save your money! Try another real better credit card company!

Of course we know its a secured card. However my card was canceled by them with no explanation. Called for reasoning. After 30+ minutes I speak to someone with broken English. They claim I sent a letter requesting for a deposit to be refunded. I told I did not request this action but they insisted to the contrary. I said okay send me a copy of this letter for my records and they said they would. 7 days later I called back and 30+ minutes later I speak to someone who does not understand the words coming out of my mouth. I request to speak with someone who can actually understand me. Was told I would receive a call in about a hour from someone who could clear this up. DID NOT HAPPEN! Next day receive a check for my deposit back without the copy of the earlier stated letter! Called and after 2 hours of transferring I was told to destroy the check and everything was straightened out. Now next day received another letter stating there was no letter of requesting the deposit and they made a mistake! Another phone call, they apologize for the whole ordeal but did nothing. Have not used card and receive a statement for s balance of $200! Called again and they made a claim I cashed the check so to keep my account I would have pay the $200 balance. However, when I say I still have the check, did not destroy per the request, everything changed and all was restored. Tried to scam and it backfired on them. If not for the credit score hit I would cancel the card! A scam of s company! Beware.

DO NOT PROCEED!

It's astonishing this card is featured on Credit Karma. Trusting the recommendation, I applied online. At the end of the process, they require a credit cart for the security deposit.

But they haven't approved the card yet. There is no agreement. I submitted the info and the charge immediately went through.

Then they said they needed to verify my identity.

In other words, they charged me the deposit/security money without a formal agreement.

I recently moved and my information is not updated. It will take months for me to verify my address.

But now I'm screwed. They basically stole $400. The charge is complete. The only path to communicate with them is through a page on their website that says I need to verify my identity.

I found their phone number online: *******412

I'm sure getting my money returned will take enormous effort. It may be impossible.

It's truly shocking this card is listed on CREDIT KARMA or anywhere else.

I learned too late that they have a pattern of these kinds of abuses: https://www.sitejabber.com/reviews/openskycc.com

And: https://www.ripoffreport.com/reports/capital-bank-open-sky/internet/capital-bank-open-sky-open-sky-openskycc-openskycccom-capital-bankcapital-bank-open-*******

Of course, Credit Karma does not give you a heads up.

Fortunately, charging money without an agreement is wire fraud. This is not a civil crime. It's a penal one. I suspect they have stolen a lot of money.

I will be contacting the Attorney General's of every state as well as the Justice Dept and the FBI.

Crime doesn't pay.

This card company is too hard to get in touch with! I haven't received my new card yet; it has been out of date since November 2020. The is crazy. I should have already received my new card...