OpenSky Credit Card

Terrible customer service. After building up my credit I decided to keep this card open with a running zero dollar balance to show a credit history. Then THEY opted me in to paper statements with out my acknowledgement and charged me money every month for this service that I DID NOT opt in to. When I confronted them about it Tiara, one of the customer service agents, told me to pay it or I'd be sent to collections.

So the very thing I was relying on this card to do became counterproductive to my overall goal. When I finally got on the phone with someone that actually knew what customer service was, they waived the fees and closed the account.

BE AWARE OF HIDDEN FEES, CLOSE IT ONCE YOU BUILD YOUR CREDIT UP.

Be aware, you may have to buy a Laptop or PC to access your account. On two of my Mobile Devices after FOUR YEARS I can not login. Nor can I from my mobile Web Browser. I was on the Phone with Their "Technicians" lol, and they couldn't tell me how to Navigate Open Skys landing page. Told me I have to do it myself and figure it out. Well, thankfully I understand Back and front End of websites. Good luck to those who Don't. Because their Techs don't know Either. I Hope Your Rating and perfect payment history don't get Affected by Incompetent Employees of Open Sky. GL everyone

I opened this card not reading the reviews and now am wondering when I will receive my deposit back. I closed out my account with paid in full on 06/2017 and I am still waiting for my deposit of a measly $200. I did not appreciate them holding my available funds for over a week after the payment posted. This company likes to earn interest when we make payments by not making the funds available immediately. Not only that, they hold our deposits for over 2 months after we close out the account to earn extra interest. Now imagine doing this to thousands of people you can see how they earn more interest! Also, when you call customer service or billing dept they are instructed to tell us that it will be 10 weeks for processing and 7-10 business days for receipt of the check in the mail. If you do the math this adds up to 3 months before we see our refund of the deposit. They use a bank to draft your bank checking account but they will not pay for the credit in reverse since you would get the credit back in 1 business day and opensky has to pay extra for that. They are not in the business to lose interest or get your money back to you quickly. I think the bank they use should revoke their credit draft process and report negative credit reporting process. Oh I can say this since I used to work at a banking system for many years and know that drafting is credit driven even for this credit card company and their credit draft processing should be revoked!

Would rate 0 if possible. First of all, If I had known this company's communication was so pitiful, I would have NEVER done business with them. They do not send confirmation emails or updates on the account, once you close the account you no longer have access to the online dashboard even if you're still making payments so you're forced to call and speak with their illiterate representatives. They make you wait 10+ weeks to receive your deposit... this place just needs to shut down! I was in dire need of rectifying my credit and made a horrible choice to go with this company... DO NOT DO BUSINESS WITH THIS PLACE!

They take your payment and Hold it in their files until your Due date passes, then they Charge illegal late fee over limit fee and then report Negatively to All the Creditors
They scam you out of your money, do not trust them
I had $600 on my credit card and they would not let me use my own money! Horrible company
Below I sent payment in on 8 th, the rep at Open Sky told me the purposely held my Money Order (equivalent to cash) to Charge me on the 20th

I NEVER EVEN USED THIS CARD and it somehow damaged by credit score by over 100 pts. Paid the deposit 6 months ago, never got a card in mail, never activated a card, realize later on when I want a new card that it says I have over $150 in 'late payments.' FOR WHAT? I paid the deposit and never used the card so how can I owe money? WTF is wrong with you people?

Do not touch this company. They give you BS charges even if you never used the card. Telling my bank to deny the deposit charge and $#*! these animals.

I've never said this about a credit/debit card company before but this company is a real scam. I haven't used the card in over a year and decided to cancel it to save on their annual fee and get my deposit back.

When I logged into my account I saw over $400 in charges! All to the same place which was only called "WOODBURY NY" I've never been to Woodbury NY, don't know anybody there and have never bought anything from there. But primarily - even if I did buy something from there I didn't do it on this card! Because I haven't used the card other than twice when I first got it two years ago.

When I logged into the account I found 18 charges made over the last 12 months! One was for $127 and one was for $200. The others were like $17 and $20. I didn't make any of these charges. But I didn't notice them until it was too late because I never checked my account. I thought why should I check it if I'm not using it. And of course they never mailed or emailed a bill either.

Bottom line is - I've NEVER had a card get any fraudulent charges. But the Sky card - it almost feels like someone at OpenSky shared my card info with thieves and told them to enjoy their day! Maybe they get a kickback from doing that.

** STOLE MY DEPOSIT FOR 2 YEARS AND HAVE NOT RETURNED IT**
What started as a credit building journey turned into a credit builder scam. I entrusted OpenSky w its a credit card deposit initial amount of $1000 to begin building credit. As I further trusted them I increased my deposit to $1500. At one point I almost went ahead and increased my deposit further to $5000. Thank the universe something just made me not do it. For 2 years straight I made all my payments ON TIME, maybe just one was slightly late at the most but overall I was near PERFECT. Then out of the blue BOOM they close my account for no reason. At first I was devastated because I wanted to keep building my credit but ultimately I accepted it and was doing fine getting accepted with normal credit companies. BUT, Open Sky would not return my security deposit of $1500. Their customer service often has HOURS of waits, no e-mail, no chat, no text. They have sort of PO BOX for mail and a long long customer service wait nightmare. For years I have waited to get this security deposit back being tossed from one department to the next. Only today have I discovered I have to talk to the "Carson Smithfield" department (Brand New Information) to attempt to get my security deposit back. I've had enough. These crooks should not be allowed to operate! They prey on people needing to build credit then steal their deposit. Give me back my security deposit OpenSky!

First off let me say this card should not get any negative reviews. If you used this card accordingly and are patient, there should never be any issues with it and you will see results. Customer service could do better with hold/wait time when calling but all that tells you is call when you have time to spare. Again, Im truly shocked at how many negative reviews have been posted against Opensky. Using this card has helped open doors that were once closed to me. Ive had this card for 3 months and saw my credit score rise like never before 150 pts/ 3mo. Thats saying a lot coming from a person who has had a credit score of 441 for the past two years. All I did was buy small purchases like a pack of cigarettes, $10 in gas and energy drinks all at separate times of course. Keep your card utilization under 35% for best results, lower the better. If anyone is still on the fence about applying for this card i hope after reading this will make up your mind. I speak from experience Opensky is a legitimate game changer.

They dont have a way to ask for help. Their number is useless. I set up automatic payments, and it didn't even work. It will make your credit worse if you arent careful.

Don't do it. Had to call customer service (which BTW there is NOT ANY 800 numbers on website only on credit card) to replace an expired card. OpenSky not open for business has delays producing cards. ALSO**** VERY IMPORTANT. AFTER you pay off the balance on your card it takes 6-8 weeks before they cut a check and send it to you. This is one of those credit rebuilder cards that you pay upfront BUT is limited and not very useful. Along with JUNK fees and in my example I have gone currently 3 months without using my card ONLY PAYING FEES AND BILLS >>> BECAUSE I don't have a replacement card after previous card expired. Customer support rep was BELOW average. Times are tough at OpenSky don't get caught in this trap like I did.

They took my money from my account in record time never sent my card and then said they will take 30 to 45 days to refund be. I call BS. Fraud. Fill your complaints with the BBB as well people.

I have 2 cards through open sky. One with a $500 secured deposit and my most recent with a $2590 secured deposit. I havent had problems with my $500 card so I felt comfortable opening up the additional account. I took my entire vacation fund and I put it towards having a secured credit card and so they had my deposit. I got my card days before I left for my vacation and when I was on vacation I utilized the card many many times. Every single day I had to call them and have them unfreeze my card because it was being flagged for fraud even though I was telling them numerous times that it was not fraudulent activity it was mine. I don't understand how if I'm telling them it's not fraud and I put the money up for the secured card not them why I kept getting flagged for fraud. The day before my vacation ended as I went to go purchase the rental car to go home My card was frozen and ultimately they had decided that they were going to freeze the card and terminate my business agreement with them because there were too many fraudulent red flags that had gone up even though I called in five times a day to tell him that they were not red flags. So I was unable to rent my car to get home on my vacation. I've never been waiting 3 weeks for the rest of my deposit to be mailed back to me and I don't believe that they're in any rush to do that they were sure eager to get my money but when it came down to it in the end they took my money and then just wanted to terminate our agreement for no valid reason
It ruined my entire vacation having to call that many times and being embarrassed at the cashiers every time that my card was declined. It was a $#*! show and if I can go back in time and not do it I would have just brought the cash on my vacation like I should have or kept it on my cash app card.

Don't bother with this company! I went through a whole ordeal trying to track down money I sent for a deposit only to have capital bank them tell me that CAPITAL BANK IS NOT ASSOCIATED WITH OPENSKY DESPITE WHAT THEIR WEBSITE ADVERTISED. In addition to this the Account and routing number were both found to be INVALID AS IN NON EXISTENT IN ANY BANKING INSTITUTIONS. SCAM SCAM SCAM! They make it extremely difficult to contact them despite having a website and app they don't have a contact number listed, they do however give several PO Box addresses for you to contact them BY MAIL. Simply avoid these people unless this is a last resort and you're ok with being scammed!

WARNING: poor performance. Those who set-up this LLC "open sky", designed to bring 'poor-quality' to the end-consumer.
YOU wish to waste your time, energy, effort, dollars, precious resources and get your CREDIT SCORE WORST -- your CHOICE.
This company is designed to charge fees, when it is the COMPANY ERROR, and then you are contacting them to let them know, they DO NOT WISH TO RESOLVE, but instead reporting you to an CREDIT BUREAU for their own ERRORS that they made.
THIS Company took $70 dollars, failed to provide what they promised -- We will find a BETTER WAY to build CREDIT SCORE, but not through a 'SCHEME COMPANY' like "OPENSKY".
This company is GARBAGE complete TRASH, recommended by CREDITKARMA.

SOLUTION: go to your local bank, get a SECURED-CREDIT card, and you on the way BUILDING ACTUAL CREDIT.