Ella P.

True Accord (bottom feeder collectors) and AFTERPAY (installment payments) are both BIG SCAMS, and they have been successfully sued many times.

If you are ONE day late on an Afterpay installment payment, they send your info to a bottom feeder collection agency COLLECTION agency (True Accord) without even telling you.

My attorney and I have already filed our own lawsuit against them, and my attorney says they are both the worst scammers ever. AVOID.

Please do not make the mistake of ever using AFTERPAY. They are a big scam and they have been successfully sued many times. If you are ONE day late they send your info to a COLLECTION agency without even telling you.
My attorney and I have already filed our own lawsuit against them, and my attorney says they are the worst scammers ever. AVOID.

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.