OpenSky Credit Card

I had a $200.00 limit but when I fell behind in payments they demanded a payment of $300.00. How can I owe more than my limit? DO NOT GET THIS CARD.

In 5 seconds they took my $200 for secure, used it for 6 months was great for that. It boosted my credit score great in the 6 months problem is they are not like other secured cards where after 6 months your secure funds are returned and you get a credit boost on the card, you only have credit what you put on, BIGGEST PROBLEM NOW is they took 5 seconds to take my money and now OVER # MONTHS TO GET MY FUNDS RETURNED so not only they get your interest from the use of the card they get interest until they DECIDE to send you your funds back AFTER calling 12 times and COMPLAINING this card SUXS!

I opened the account to rebuild my credit, but that backfired. Had a zero balance on the card when I moved to a new home and had my mail forwarded. I received my Opensky bill a month later and was charged an annual fee without notification via email or text. I paid it in full, although the payment was late. The next month the bill came showing I still owed the annual fee plus the late charge. I only paid the late charge thinking the annual fee hadn't posted when the bill went out. The following month the payment due was $146! I called customer service which was a 20 minute wait, and once I got to explain everything, she proceeded to argue with me for 25 minutes. I repeatedly asked her to explain the charges and she spoke in circles claiming these were late fees. I told her there's been a mistake, I've already paid the annual fee, asked to have the fees waived which she argued about, so I told her if she agrees to settle on half of the amount and bring my balance to zero, I will pay it over the phone right now. She agreed, took my payment info, then after my payment cleared she told me I still owed the balance of $73. I was livid! I had some choice words for her since she deceived me. I told her I wouldn't pay the rest and hung up. Since this is a prepaid card and late fees would continue to accrue, I decided to pay the full amount so that I wouldn't have to deal with this unethical company or their poor customer service again. Read the reviews. Don't make the same mistake I made. Do not do business with this company!

Ive been on hold over 2 hours! I can not get a hold of anyone at this company. The online support never works! They answered at 2 hours and 37 minutes, I was transferred twice with an additional 30 minutes of hold time between those transfers. First time I was transferred to wrong department, second time, it was a guy saying it was an attempt to collect a debt. Funny how I can have a debt on a secured card that I haven't ever used bcz I never even received even tho they took my damn money! And now I need to pay them 103 dollars bcz they are reporting to my credit bureau that it was charged off for that amount. So much for HELPING my credit! As soon as he answered and gave his attempt to collect a debt speel, I said well, I would like you to collect my debt please and update my credit report and just as he was telling me he can take my payment but not do anything about my credit report the call was disconnected. After being on the phone for the better part of my day unable to make any other calls or do anything else since my phone was tied up, I am physically ill and I have to give up. This is the only thing at this point keeping me from home ownership. I am going to need to call an attorney. Do your selves a favor and read the reviews. Its a scam. Do NOT give them your money.

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.

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 havnt even received my card yet, I was just calling to ask a few questions.
First question was where my card may be?
2nd question, the machine talking said I had an avaliable credit of $165 when I put $200.00 for ky line of credit deposit.

After I got done asking these simple 2 questions the lady on the phone just said oh God and HUNG THE DAMN PHONE UP! I WAITED 24 MINUTES ON HOLD for this!?!?!? Worst damn decision I have made this year soo far was to open a damn credit card account with this company!

If this is how they are before I have even received my credit card how the hell are they going to perform when I have my card?

I REALLY hope this was just a person having a bad day and it doesn't reflect the overall company... because I have been reading nothing but horrible reviews on this card today. Something I should have done before I opened the card I know..

I took out a secured credit card of $3K to rebuild my credit. On most part I paid it in full 99% time.
They delay updating payment for 2 weeks or more resulting in you using g your bank card thinking your account is paid in full only for them to come back to you with nsf charges because of their delay in processing your payment. I finally decided they were not woth it. Maxed my card to get my money back & requested my account be closed. They claimed I still owed $27 which I paid on my Chase Debit card to ensure it was paid. I checked my chase at time of payment while agent still on phone, saw my charge & was satisfied & forgot about it as now should be paid in full. Done with. But oh no...they claimed my payment was returned not paid from my original account I used to pay from.my Capitol One account & denied I used my Chase account. So they switched my payment accounts. Now claiming I'm more than 60 days late & owe over $187. They are crooks & destroyed my credit not improved. First Progress was good.not open Sky.
I will write bad reviews & warning every where til they correct my account.
Do not use them.will only destroy your credit. They are not prompt in updating your account. Up to 2 weeks delay & delays in reporting it. Useless...run!

I pay my bill via another account's online bill pay. Recently my payment went to OPenSky on 11/30 for payment due 1/6. OpenSky did not post it until 12/18 & charged a late fee. Of course, their customer service is non-yielding to customer complaints of payment not timely posting eventhough my payment habits have consistently been timely and for most of the outstanding balance. I can not wait to get rid of this acct. They report to the credit around the 8th of the month. I'm noticing that each month this acct. Activates a increase & decrease to my score because they report on the 8th month and due to my ontime payment posting delay the credit report gets hit twice in one method. Something is wrong with this practice. Beware.

OpenSky's payment disclaimer: Payment not reflected in your Available Credit? It typically takes up to 5 business days following the receipt of your payment to restore your Available Credit for future purchases.
The Account Balance and Available Credit information may not reflect transactions that have not posted to your account.

THIS IS THE ABSOLUTE WORST CARD TO GET INTO! DO NOT DEPEND ON THIS CARD TO HELP BUILD YOUR CREDIT! THEY ARE THEIVES WHO STEAL YOUR MONEY AND REFUSE TO HELP.
I HAD "2 FAILED PAYMENTS" AFTER I HAD PROOF THERE WAS NO ATTEMPT TO COLLECT MONEY FROM MY ACCOUNT AND THEY REFUSED TO UNLOCK MY CARD. THEY ARE THE WORST- EVERY "SUPERVISOR" YOU SPEAK WITH HAS A DIFFERENT ANSWER. NO ONE KNOWS WHAT THEY ARE TALKING ABOUT. THEY ARE THE ABSOLUTE WORST! PLEASE DONT MAKE THE SAME MISTAKE I DID.
I SENT THEM THE PROOF I HAD MONEY ON MY ACCOUNT AND THEY STILL SAID SO WHAT. THEY ARE NO GOOD. NOT WITH CUSTOMER CARE/ NOT WITH RESOLVING A CUSTOMER ISSUE/ AND EVERYTONE IS CLUELESS!

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.

First off, their customer service has a non-circumventing recording, so you can't make an option until it's done with the spiel. Next a "screening" person talks to you like you're getting info you need, but then tells you they're going to transfer you to the right place, so you can't even get to where you want to be in less than 8-10 minutes!
Scumbag liars in the disputes dept., refused to refund me $80 AFTER the merchant ADMITTED to them being wrong and would be ok with refunding me! Furthermore, the disputes morons told me the completely wrong information that wasn't even brought up with the transaction, and said I needed to straighten that out first.
Also, I was forced to fax over documents, because apparently there's no online option for submitting documents because this card is absolutely garbage.
Then, after calling for roughly a full week, these losers lied to me every time telling me I would get a call back from a supervisor, but never did.
These are some of the most useless, stupid, lazy imbeciles to exist, not just the employees, the ones who run this card.
I've made a complaint through the BBB, next stop will be the FCT, and then the AG's office. Unbelievable amount of stupidity with these people.

Do not touch with a ten foot pole. I applied for this card, which required pre-pay of deposit and annual fee, and waited for a response. By the time they told me I was approved I didn't want the card. I told them I was not accepting the offer. The weakly tried to tell me I couldn't have the annual fee back before I pointed out the cardholder agreement had not been accepted so I didn't owe them any money (you have to use the account or card before the agreement is considered accepted- different companies have different things that constitute acceptance so this may not be applicable for other cards.) After I said that I was put on hold and the representative was back within a minute and apologized for the misunderstanding and said the annual fee would be refunded as I hadn't agreed to open the card yet.

Fast forward three months- I have disputed the opened card (yes they reported it as opened anyway) in June, July, and August and the first two times they've told the credit reporting agency (TransUnion) I opened it. This time I disputed it with Experian to see if they pay more attention to the fact that the cardholder agreement is very explicit that I did not meet the requirements necessary for the cardholder to assume I accepted the card. I called OpenSky both times before, this time I won't bother, I'll just wait to see if it negatively impacts me in a real and financial way and if it does then I'll sue in small claims court.

DO NOT GET THIS CARD! The only reason I chose THIS card is becasue they tell you that you do not need a bank account. I tried to make a payment and now they tell me I need a bank account. Then when I asked to cancel the card because I DON'T have a bank account they tell tha tthe balence must be at 0. So instead of them keeping the money I already paid them they want me to pay them again only to refund me money which can take up to TWO MONTHS. HORRIBLE CUSTOMER SERVICE. No response when my card took two weeks to get to me after multiple attempts in reaching them either. SAVE YOURSELF A WASTE OF YOUR TIME AND MONEY.

I'm sure if I was applying for the $35 annual fee card it would work fine. Now they have all my personal info
And I have nothing. STAY AWAY FROM THIS SCAM!

Here we go let me tell all the representatives I have spoke to sound jus like they woke the heak up out of bed. Here is the situation I had tried to order on finishline, online was charged several Hundred$$$$ never got a confirmation number in email or from finish... was charged HELLA DOLLARS ON MY SKY CARD NEVER RECEIVED THE CLOTHING I HAD ORDERED! WHO IS IN CHARGE I WAITED ON HOLD TODAY FROM 9A.M. TELL NOW 1:14P.M. CST. And got NOWHERE. AND THEM FINISH LINE N SKY WERE TALKING CALLED ON 3 WAY AS THE IGNORANT SKY REP. SAID SHE COULDNT HELP AFTER ALL THIS THE FINISH LINE LADY WAS JUST AS DUMB LITERALLY! I WILL BE REPORTING ALL THIS FAKE SERVICE TO THE B.B.B. AFTER IM DONE WAISTING MY TIME FOR THE POORLEY REPS. I BETTER HAVE THE $800-$900 BACK IN MY WIPED OUT CARD IN 4 DAYS LIKE SKY REP SAID. AND IF NOT I WILL CONTINUE TO REPORT THIS WACK A** CREDIT CARD NON HAVING REP THAT DONT KNOW HOW TO THEIR HIGH PAID JOB... WEAK COMPANY Y'ALL CAN SUCK D***!