OpenSky Credit Card

Worst idea ever. There is no customer service unless they send you a late payment notice.
Their app barely works. For a month I tried to make payment and it kept telling me that I couldn't make duplicate payments. When there wasn't a first one.
Some payments never showed up but it was taken out of my account.
They removed my bank account cuz apparently a payment was denied which is bull, again I checked with the bank. They said I had to go open a bank account at a new bank in order to pay off what I owed. In all because of their lack of customer service, a card that was meant to boost my credit hurt it by 46 points.
WORST CARD OUT THERE

They took my deposit from a debit card which i get my disablity payment from. I made a payment which they took but then reversed because it wasnt from a bank. Its from the Federal government. I told them to cancel it. They keep charging me fees. I only spent MY MONEY. Classic bait and switch con

After a year of no account balance they charge a $38 annual fee (no problem, part of the agreement). They don't notify you of this charge so a month later they charge a $27 late fee and a $3 paper statement fee and THEN they notify you email. Bunch of crooked s%$theads...
The practices of this company ought to be illegal.

I closed my secured credit card with openskycc back in august 2021 and to date they have not sent me back my money. I called them sometime in june asking about it and they said i wasn't in the system anymore and will try to figure out how to solve the issue. I called them again today and no progress. This is a fraduatent company that is just trying to scam you. Don't trust them

I recently made 2 payments of 50$ each in that past 2 weeks and each week theyve reversed my payments causing me to loose 150$ altogether including the 25$ reversal fees. I called them and theyre saying my bank declined the payments for insufficent funds which is a lie. I called my bank and in their system it doesnt show no signs of Opensky trying to take money out. As well as my online account. Its making my credit score drop, and me loose out on money. Dont get this B. S. card go to another company that doesnt play these kind of games with your money and credit!

They closed my card due to no activity then never bothered to refund me my deposit. Now no one can help me when I call. This is the worst company and I would NEVER IN LIFE do business with them or any affiliate companies.

Do not open this card it is a scam and horrible customer service. I opened the card in May and I called to have it explained to me and it was explained that it is a debit card against my own funds. I decided to go forward I never received a bill I just automatically paid $50 a month. I decided to close it 3 months later and I called to get a list of my transactions and was charged 2 late fee's. I asked to speak to a manager to waive both fees. One was waived called again to speak to Calvin who was very rude and horrible customer service and his title was a supervisor. I asked to speak to someone higher no one knows who the vice president or president of the company is that information isn't on there website. Waiting on a call back from Linnea Kronmiller, I doubt that would happen. Again do not get this card horrible customer service and horrible card.

Terry

Put a deposit of $200 for the OpenSky secured cc. Waited for card and called 3x and the same person answers and gives different names. Tonya, Tara and Rhonda are the same person. She states that there is a plastics shortage and can't get a card in the mail yet and they don't know how long it's going to take. Asked to close acct and get my money back. She states that it will take 8 weeks at least to get the payment in the mail.

I have canceled my account with Open Sky and asked for my deposit back of $200 dollars I was informed that I had to wait 8 to 10 weeks. 12 weeks have passed and I still haven't received my refund. I contacted Open Sky and they said that they couldn't identify me I had to demand to speak to a Supervisor then I was finally identified stating that they had sent out a check earlier. These people have unscrupulous business practices buyer beware.

OpenSky/Capital Bank -- Thank You for reversing a 20 point drop in my credit which happened when I paid an old bill. Paying an old bill during CoViD just after fighting a 4 year legal battle against the worst corruption in the world should increase credit score not drop it.

I've had services for 2 months. Spend only 90 bucks but because of their poorly operational system I've now gained 80 in charges. They suck. Looking for something a little more solid.

They don't care about their customers and treat them like garbage. Waste of money and terrible company all around.

I have no idea why people are writing negative reviews about this card. I had this card back in 2002 when I was getting my credit re-established. Worked great, easy to reach customer service, quick to apply payments, never any problem. Then I got much better cards and limits from 2005-2017, so I closed this card in 2015. Serious medical issues required me starting all over again in 2018, so guess who was there to help? My old friend Open Sky through Capital Bank. Easy to open a new one, payments credited quickly, can always reach customer service. I deposited $1,400 and try to keep it paid down. There is an annual fee of $35, but that is standard for many secured cards. Also, Open Sky gives you this card with NO credit check. The people who are writing negative reviews could not get the card because the banks needs to be able to verify your address and who you are so they know you're not a scammer.
That is good practice from a bank. So make sure to keep your PHYSICAL home address updated on your driver's license and with the credit bureaus, and you will have no problems. I've twice been a customer with Open Sky since 2002, so I know very well that this is a good card from years of dealing with them. Keep your physical home address current on your driver's license and address current with the credit bureaus (make sure these two addresses match), pay on time, don't run up your card to the limit, and you will have a VERY good experience with Open Sky. Open Sky will accept you for a second chance when others will not.

This is pretty much the BEST flexible secured card you'll find. Its a Visa, the minimum down-payment is only $200, and they have NO credit check. There is no other Card with that as a prerequisite. I got my card within a matter of weeks and increasing a limit was a simple matter of calling in and mailing a check. The card has given me zero issues and I use it everywhere.

My only complaints would be that the call menu needs more options, the app could use some work, and this card really needs to be on Apple Pay. Otherwise, this card is a GREAT option and anyone looking to build up from bad credit or for a card that will 100% accept someone without credit.

Most of these negative reviews are clearly people who are mixing user error vs legitimate complaints. Skipping reading the TOC or missing the $35 fee that's plastered on the application isn't something to blame the company for. They are small scale and likely the last shot at a CC for many people... keep your expectations realistic and you won't be disappointed in any regard.

This card was good for helping me repair my credit, but it's definitely not the type of card to rely on for anything big such as risking getting stranded somewhere. Several times renting a car from Hertz, the hold that had been placed on the card was removed by Hertz immediately on return of the car. However, the refunded hold would literally just sit there as "pending" for another 2-3 weeks, and once completed it would take another whole week for OpenSky to actually return the credit to me. There was no excuse for this whatsoever, especially when it's a secured card. Customer service stinks, and there is no way to send them messages. You can call and sit on hold, or you can write them a letter. That's it. I will say they doubled my credit after proving I was responsible with the card, making frequent payments and keeping balance at zero as much as I could. I was not relying on the card for anything but my electric bill and to rent cars. Don't plan on relying on it for anything else, because they are super slow at letting old things drop off the account. Now that my credit is good, I don't even use this card anymore. Closing cards hurts your credit score, but that 30 dollar annual fee for nothing is still a bummer.