OpenSky Credit Card

Closed my account in March. Still haven't received my 3k deposit. Do not get a card with this company. I'm truly at a loss how a company can do this to so many people without repercussion.

Never ever bank with them. They will hold hundred of dollars without your consent for 30 days and just say "it's our policy" complete bs o will never recommend this company to anyone else! I can't even rent car because they are holding my money for no reason what so ever! I believe they just want your money to accrue interest while it sits in their banking system! Oh and another thing they won't let me use my checking account to pay for my monthly payments because I had my card locked one time and the money didn't clear once I noticed and unlocked my card it was an error message and when I called they said I need to use a different account and can no longer use that one. I hate this company and I've only had them for a month! Who knows what other types of hell they're waiting to put me through smh. I'm definitely getting rid of them asap

Ok So I give Open Sky I try Knowingly they on some bull and wallli I make a payment Friday which they stated funds are available in 48 hrs today Tuesday so I'm like ok where my money so I call and they tell me it's clear but we hold it 5 days so Friday it will be available Lesson if you need your money don't count on them I hate them already and haven't had account a month why would you just hold my money I can hold my own money and now I'm mad as heck

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

Negative 100 Stars! Nightmare experience. Deplorable customer service. Ridiculous business.They took my money then froze my card and demand my bank break their own policies in order to unfreeze my card. Yet they won't release my $1k. I can't use it. Nor will they allow me to close account. So sorry I ever fell for this gimmick! DO NOT OPEN AN ACCOUNT WITH OPEN SKY!

If you close the account and it's paid they charge u as they did me and I didn't know 7 months later I tried getting a house and my credit is crap thanks to them they are scammers and give random charges and take money and I proved it yet still filing disputes and getting hung up on

Two times in a row I called to make a payment with an alternative payment method and they still charged the card on file causing me several overdraft fees. Luckily I watch my account and caught it while still in the grace period so my other bills weren't late but when I called open sky about this all they wanted to do was remove my saved account. No empathy for all the overdraft fees, no explanation and definitely no apology. They did not care about the charges they caused me, they did not do anything to make it right. Thank God Y12 saw this has never happened and refunded my money the first time. Now again…. I have to try to make it to the bank before my house payment is charged.

Open Sky has to have the absolute worst customer service. I would venture to say that don't care. Opened card with a deposit. Took over a month to receive my card in the mail. Phone number and contact info for the company is nearly non existent. Once I obtain the card, it declines in many stores; despite plenty of available credit and zero late payments. When I do get in touch with a human by phone, they don't care and can't/wont help. Awful company. They take advantage of people with poor credit and little means. I received my first bill with the annual fee before receiving my card. Open Sky was recommend to me by several financial advisors and credit repair specialists. I can't imagine why. The ONLY positive statement I have for this company is that they require no credit check. That isn't worth the aggravation. The photo I am posting is their "customer service " number. This is how long before on hold, without a single human answer, today. Terrible company.

They are quick to take your money and slower than snail snot at resolving account questions. You can never get through on the phone and when you send them a letter, their response is a canned response that a 2 year old must have written. I closed my account. I never had one cent worth of interest charged. They limit the # of payments you can make a month. They also do not report, but once a month and that is generally wrong. I even cut my card up and sent it back with my account closing request, and they took 2 weeks to close the account and sent a letter stating that there may be up to a 10 week delay on getting my secured deposit back. I would not recommend them to anyone.

Wont pick up their phone or let you cancel your deposit since I don't want to be with them anymore for taking so long. 20 minutes & still counting on the phone. Gee thanks
Edit, now at 28 minutes since the end of this review
Edit: 43 minutes. Just gonna give up on ending my credit card because they dont want to pick up the dam phone

Already got my 1st bill for the $35 annual fee, but still haven't received my card. Account was opened Dec 18 and today is Jan 31. They have $300 of my money I cannot access. Class action lawsuit needs to happen.

Forget trying to find a way to reach a person who can help. They try their best to make it a difficult game of hide and seek. I'm now waiting 4 weeks for them to return my security deposit by written check. Somebody either drag this place into present day convenience or recognize how they rip you off in other secretive ways.

I would never recommend purchasing a open sky credit card. The inquiry alone after being approved dropped my credit 103 points! Don't be foolish enough too get $#*!ed by this scam of a company that's piss poor with no actual customer service.

I've had this card for one year and pay the entire balance every month. I just get the $35 annual fee charged to the account after payment due date but before statement end date. Dropped my credit score 5 points.

This is the worst company, first thing, they take forever to post a payment and you can't pay unless you have a bank account,. Custom services could care less about my frustration and I was charged a 25$ return check feeling didn't make sense at all. My advice, stay far away and find a different card, it will only hurt your credit even when you do the right thing. Shame on you opensky!

I didn't use the card for six months then finally received a text saying that I owed them $100. Apparently it was a $35 yearly charge plus two late fees equal to $65. No opportunity to speak to customer service as I was routed Thru collections only. Terrible service. Highly recommend staying away from this company.

You will not be able to cancel or get your money back. They have one phone number for customer service and it just rings and then hangs up on you. There is no email address for them. This is a total scam.

I am very disappointed that I have not gotten a response (except an automatic email reply claiming to care and promising to respond quickly)to repeated email questions about an order that has not arrived. Email said it was shipped out on Dec. 19 and no tracking update since. Worst experience with ordering online. Somebody needs to follow up, replace the missing order, or refund my money.

My card was supposed to come in 12 days and it's been over a month and I still don't have it. It's been impossible to get in contact with opensky as their "customer service" phone number is an automated system which gives absolutely no help. I'm extremely frustrated and strongly discourage anyone from signing up for an opensky credit card. Total scam!

If I could give less than 1 star, I would.

They treat their new customers like dirt. If you can, go with some place else. This was the most stressful situation I've had to deal with since my bankruptcy 6 years ago. I am trying to rebuild, and they did everything they could to break that.

They never sent me a card, then claimed they had no idea what I was talking about when I told them I did not have a card, even though it showed as not being activated a month after they sent it. I also did not get my first bill until after the due date, which they still charged me a late fee for. 4-6 weeks to get your deposit back, $10 to pay over the phone, and and late fees for their mistakes. Don't bother. Rebuilding credit is not worth this kind of stress.

They tell me to press 1 for my account and then say it's not valid. Then there is a hang up. I cannot get through to possibly the worst customer service unavailable. Will pay off this card in full next month and cancel it before the next yearly fee, which is a joke. There's no perks to this card at all!

The card works fine when it is working. The customer service is non existent. If you have an issue they ask that you communicate by regular paper mail. Payments are made by bank draft. I make all my payments on time and in full. They take the money from my account and when I check the app it says my payment is processed and my balance is zero. It also says my available balance is 0 too. Come to find out that they don't release your line of credit for a full 7 days after your payment has been made. Very inconvenient at times.

Not only did this card not build any credit after years for me it actually hurt my credit. There appeared to be an automatic ACH issue on the account. I talked to 3 different Supervisors on numerous occasions and each continued to tell me a different stories. One would say there was no ACH Issue or auto pay on the account, but I would still have problems making payments online, the next Supervisor told me there was an ACH for $1. But he removed it. At any rate it caused me nothing but problems and they never could give me straight answer. Then after I finally gave up and closed the account they advised me it will take 10-14 weeks for my refund... What a joke, you are better off to keep shopping for a legit company!