OpenSky Credit Card

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.

Freaking ridiculous that after we make a payment our funds aren't reflected in our account for use for an additional 8 days! Money out of my account and now I'm out bad because they want to hold my money people have timely bills to pay and things to do that require credit cards and this flaw makes it very hard to move through life with them holding your funds for so long for no good reason! Very annoying and when you want to make an expedited payment by card they act dumb like they don't know what your talking about and flat out say they can't do that... When in their cardholder agreement they explain the expedited payment process making you have to end the call just to get someone to make the payment for you rude customer service wish I read the reviews first sh*tty card avoid at all cost unless you absolutely have no other options to build credit even then it will be frustrating

Takes almost than 3 weeks to process a payment. This payment was made on May 1st and didn't post until the 19th. Payment was $114 that is shown should have brought me to a 0 balance. Since 1 transaction was made for $20. It's May 22nd and my card was declined for $3 even though it shows I have available credit as you can see. On top of that I should have more available credit than it shows. Can someone please tell me how to pay a past due balance of $0?... I'm confused. How can the consumer better their credit and keep track of their account if the company is not updating the info?

I've had this card for a year now and I've not had any issues. My credit score is up 200 points and it's amazing. The card itself is nothing fancy, takes a while to report so you have to be careful of when you carry a balance and when you pay it off, but once you get the hang of that it's easy. It also takes some time to update the balance before you can make a payment and after you make a payment so it's not for someone who intends to financially rely on it. I've never had to deal with customer service so I'm not sure how they are, but I'm not sure why I'd ever have to talk to them in the first place.

If you just need something to build your awful credit, this is the perfect card. If you're looking for something to be an actual credit card for financial stability or large purchases, this is not it.

I called in to closed my account today 6/8/2023 because the customer is extremely worst than I thought, the fees and respond from mailing it took more than 60 days to respond a letter.

I was trying to rebuild my credit but my credit is getting more ugly and when I had a question than it took me forever to get the answer. I don't recommended to anyone trying to rebuild credit history from this company.

It's been 28 days and still no sign of my 3k dollar deposit. I closed my account with a zero balance, hadn't used the card in months, and they still won't give me my money back. Filling complaints wherever I can.

So for literally no reason, at all they disable my ability to use my bank account for payments. Tried a different bank account, this one was also disabled for no reason at all. Called them, and they couldn't make it make sense for me. I cannot pay my bill because of their system, worst credit card ever, period.

They locked my account from online access and removed my reoccurring payment so a fee built up on my card that I wasn't aware of. I didn't spend ANY money on the card but get a bill for $120, Customer Service is very rude.
This card is a scam to steal your money, avoid at all cost.

I have been with this company for over a year, and every time I have had an issue with late fees or fraud activity, this company has always shined through the storm. This is the type of company I can recommend to hard workers that would like to have their hard earned money taken care of with trust, honesty, and diligence. Thank you to everyone at this company! And I am just a regular middle class girl, no one paid me to write this, I have just had a string of bad events with professional companies and this company I felt deserved this review. Hope this helps the next average person!

It has been almost 2 months now and I still never recieved the card or my refund check of $300 but I have received 2 bills the mail. How can I be billed for services I never retained but every time I call all they can say is the check is in the mail. I'm obviously not a rich person if I tried to retain their services to rebuild my credit and now I am out of $300

I have made 5 phone calls. Thy said my checking account changed and couldn't file my payments so when I would try to pay it would reverse and charge me for it. I called to ask the problem they said incorrect checking account was filed. I attempted to change it twice still was not working. Then they said it takes a week for pending charges and I can only do one until the other one takes a week to process. They can barely help on the phone but to repeat themselves. When I had told them I had called five times and the again repeating themselves! They offered no compensation for incorrect instructions and letting me get charged. DO NOT USE THIS COMPANY. I am paying it off and one month and closing this piece of $#*! company that ruined my $#*!ing credit. I hate their $#*!ing customer service!

In July, I made an ACH paying my account. It processed, deducted from my bank. Come August a mark on my credit report was on there! No one could give me answers. Then, in November I sent out a payment. My bank notified me it was cashed. OPENSKY lost my payment! My bank has verified everything and still yet, Opensky won't make it right. Again, this month, I sent out payment and at the same time, sent out a payment for another card I have. The other card has already processed it and reflects on my account, Opensky still "does not have payment" which is a lie bc my bank notifies me when they received it. THEY HOLD YOUR PAYMENTS TO CHARGE YOU A LATE FEE! I've contacted my states attorney general and I'm moving forward. I have all the proof. These people are scam artists. They have illegally charged me $135 in late fees, has illegally and wrongfully reported a late charge on my credit and has ruined the chances of me getting a house. They're neglectful.