OpenSky Credit Card

This company blocked my online access to my account BECAUSE I MADE A PAYMENT two months ago. Think about that. Blocked because I made a payment. Then the company allows only one method of reinstatement, which is to call and wait on hold for over 30 minutes. I have been trying to get through for weeks, to no avail. This company sucks out loud and everyone should be warned not to deal with them or sign up.

First let's start of with the company's business hours are 8:30 am to 5:00 pm and not open on weekends. That should be enough to deter you from opening an account with them. If that does not, then next... when you make a payment on your account, it does not post for a week. That means that your account will still show the money is due ene after the money is drawn from your account. If you dispute a charge in your account it takes forever to have the dispute resolved.

So I got this card to slowly work on my credit. The first payment is $35 which I paid. (They only accept bank accounts and routing numbers) This transaction was on October 7th. Today, they try to FINALLY process the payment. Today is October 19th. I called customer service because there is now an additional charge of $27 for the funding reversal. Im confused how you can process a fee on your own money..." your money is being held, you're using money from the bank". They refuse to process the payment which their website is misleading and they refuse to drop the fee. This company is trash. My advice is to pay it and let it get lost in your wallet. NEVER use it... thats for sure.

DO NOT USE OPEN SKY CREDIT CARDS! I made a payment, they took the money from my account then REFUSED to release my funds to my available balance. I spoke with 3 different people who "couldn't see the payment" after hours of waiting on a supervisor she says she can't release the funds even though she sees the payment. The lady then hangs up and emails me saying they closed my account! WITHOUT REFUNDING MY MONEY! I had to contact Wells Fargo (the account I used to pay Open Sky). Wells Fargo informed them what they did was illegal and WELLS FARGO RETURNED MY Open Sky payment!

Got approved for a card beginning of August and here it is 09/11 and no card. Everytime I call customer service they tell me to wait a little longer. "oh it barely Tuesday call back Friday" "Oh its just Friday call back Tueday" and so on. Its horrible. Finally when we figured out the issue (they don't forward to po boxes) the represantive who identified herself as a supervisor actually tried talking me out of requesting a new card by saying that I would have to wait an extra 10 days after establishing I wouldn't be able to get my card with original address I applied with.

Haven't used it in 6 mos or so but been paying on it trying to pay down the rediculous late fees... just closed at 283 and my deposit was 200 so I still owe 83 and my so called late fees are 138. The math doesnt work.! I've had it for almost 2 yrs i should be getting my dep. Back minus late fees? Wouldn't recommend this card at all.

The only issue I have is that I pay my bill as soon as the statement comes out. Not an issue. The issue is they hold your payment for over a week. It posts to your acct & also is deducted from your checking acct but still on hold. Why? I have no idea. You take my money immediately, why can't you update my account immediately? Other than that, not a bad card to build or rebuild your credit. They do report to the credit bureaus ea month which is good. They also do not report it as a secured acct.

I called to ask them about my credit limit and also about their app. The first rep just transferred me without letting me know. The next rep didn't know the answer and couldn't explain to me why the payment that was due and my credit balance didn't add up. I kept trying to tell them it didn't add up. It was clear as day in their face! So finally I was able to speak to a supervisor, but the supervisor couldn't explain either. They need to hire people who have experience, people that can add, and that can actually help the customers.

I needed to close my account due to pandemic. I had $1000 of my own money securing the card... I closed my account they sent me a check that noboy wanted to cash... Then too make matters worse they put a negative remark on my credit report... They took the $246 out of my $1000 upon closing my account... They aren't in business to Help You... Run away from them...

So I got an OpenSky account to boost my credit, which it did. I put down $200 for the security deposit, made my payments on time. Well they boosted my credit limit to $400, I again, made my payments on time. I went to make a payment this last time, and my account was closed, they stole my security deposit (which was my money) I owed $173. I still down know why my account was closed, they don't know either. It was in good standing. Also it's a pain trying to get ahold of anyone to talk to, you have to google their customer service number to get ahold of anyone because the all suggests you mail them in a question. This card sucks. It did what it needed to I guess, but terrible credit card to have.