OpenSky Credit Card

This has to be by far the worst experience I've ever been through. First off, I sent them a $200 deposit to open my credit account in order to build my credit. They opened my account and "mailed my card" 3 days after my account was opened. I never received the card. 3 weeks later I call customer service and have the card reported as lost or stolen. They "reissue the card" and "mail it out again" the same day I call. A month later... Still nothing. I call again and ask them to refund my money back to my original method of payment. NOPE, can't do that they say. We have to mail you a check that will take up to ANOTHER MONTH and can't guarantee the check will make it to me if the cards never did. Then they proceed to bribe me once with $25 credit to keep my account open and then try to bribe me with a $35 credit to keep my account open after I told them no to the first $25 credit. Then after another series of 21 questions they finally closed the account and issued me a check that is going to take a month to get here. After hanging up the phone I get an email update of my credit score saying it dropped 5 points? I'm am highly pissed off and will be taking this whole situation to a lawyer and will be suing the company. I give them a negative 5 star review.

My account has been locked and I cannot get online to make a payment and am now 60 days past due. I called customer service several times and finally said i could make a payment, but it need to be for the whole balance.

I've been building my credit back up by paying off my negative items. I couldn't get a real credit card so I figured I would give them a try. Now with out them I got my score from 505 to 656 in about 6 months then I gave them a try and when I pay off my balance they take over a week to process. And then added a negative item saying payment was not on time. But I'm fact my payment was early but they didn't process it right away. It's crazy like it's my money I put in and then when I paid it my balance was the same for over a week. If anything they have not helped me at all. So any of these good reviews are bull. I had a friend have the same thing happen. I'm paying it off in full and want my money back. Open sky you really are a horrible company. I should have done more research.

It's almost 2 years I have a I'm a card holder with the open sky. I gave them $2500. They give me $2500 credit line no after almost 2 years I see advertising for open the sky. They say refundable deposit after six months they check your credit and if you qualify they refunded but for me they tell me I have to close my account so that's a false advertising. Do not apply for open sky. There is other credit cards Way better way better capital one time other one's a lot better.

So my credit score just went down 100 points because it open sky lies I've never been late on my payments but these last 2 payments I've made has been posted but never came out my bank account so I feel like they are holding the money

I had a secured credit card with them. I closed the account and was told it would take 6 weeks to receive my deposit back. That is illegal in my state. Also when I made payments it would take almost 2 weeks to post after it was taken out of my bank account.

Im a new card owner. This was my first card and I am so dissatisfied. When setting up your account they let you put your account in but later on tell you that you can't use a card but have to use a routing number but my card was excepted when I first signed up? They charge extra to refund your check when it was their fault they did not tell you what so ever that you have to use a routing number. Customer service is horrible and rude.

I got the card 7 months ago, my credit score did increase fairly quick! But if you're looking for customer service or any other kind of help besides putting money on your card and making online payments then this card isnt for you. No live agent, no help at all whatsoever, when making a payment its taken 14 days to process! By that time you have incurred a late fee so be very careful and cautious with this card. If you setup an early payment and it fails just one time open sky permanently blocks that payment method or card your paying with and you'll never be able to pay with that card again. I wouldn't recommend this card at all! I was very careful and on time every payment and my score did go up! But, feels almost like a trap! Dont use this card there are much better cards available. Good luck!

Didn't receive my card for 3 months. Then I had to move and update my mailing address. I got it in a week to find out they charged me late fees twice for a card I never had in my possession to activate. The day I got my card and activated it I paid my 35.00 fee and believe since that takes so long there's another late fee. This is ridiculous. I haven't made one purchase with this card and haven't even had it activated a full week yet owe almost more than the deposit I put into it.

1st- The card took much longer to arrive than any other debit or credit card I've ever had. 2nd-I made my first payment of $400, half of my balance on 4/13 direct from my bank account yet they didn't credit my account until 4/20. If I can send/receive money to anyone in seconds, what's their excuse for not crediting my account? 3rd-I wanted to pay for something through Google Play of only 2.99 and they declined the transaction, despite having hundreds in available credit. 4th-No human customer service or very hard to reach. I'll be closing this account. I just got it to rent cars, but when you need to rent a car but you're still waiting for them to credit your account and your weekend plans get ruined, it's just not worth it. Use Capital One for secured cards, NOT Capital bank (the provider of Opensky cards.)

Fiancé and I made a payment in full, The money was taken out of our checking account applied to the credit card and then they froze the credit card account. They also reported the balance not paid to the credit bureau's with account Current and in good standing. After numerous times of trying to contact someone in customer service to resolve this matter when I finally did get a hold of a representative they told me my account is going to be frozen until they receive a letter from the bank stating that the funds will be cleared mind you this is been over two weeks ago since the money has been taken out and cleared from my checking account.

Closed my account in March. Still haven't received my 3k deposit. Do not get a card with this company. I'm truly at a loss how a company can do this to so many people without repercussion.

This is the worst! They delay posting your payment then charge a ton of extra fees. You can only pay with your checking account but they dont post right away. I paid my account off then closed it and they reported I still owed them $150 which was charged in fees after I paid them and closed the account. Then they posted bad reports to the credit bureaus, refuse to take it off and repost it to my credit report monthly. Since them I have opened several credit cards which have helped build my credit way better. Dont walk... run away from these unhelpful crooks set up to ruin your credit.