OpenSky Credit Card

They opened an account in my name that I did not even had access to and charged me late fees on that, I could not even pay those fees and that affected my credit score by 40 points. I called customer service and they treated me like garbage, talked for 1 hour and they said it would take 90 days to solve my case, that my only option was to wait. They even made me pay those fees through the phone but refused to close that account that I don't have access to… guess I will have to wait 90 days and then called them back

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

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.

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.

Got the card for closing on my home as per my financial adviser I had the card for 5 months never increased my credit score I got a notification there was fraud charge so I contacted them and said close the account...never heard another word from them a few months later my wife checked her score and it was well over 700 so I said well alright and went and checked mine and it was below 500...I was extremely shocked so I looked and saw they hit my credit for 40 points for the last 4 months I called them and asked what was going on they said I owed over 300 and it was a secure card for 200...I said it was cancelled 4 months ago when they frauded my account and they said there was late fees and thats where I'm at now fighting with them...ill never get my score back

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.

I paid my balance in full and was requesting for a letter of completion but I hit a run around all the time! It's been a week all am getting is different stories for the customer service reps. If it's been over 72 hrs, what else are you waiting for to just generate a letter and sent it to my email. I called today and the rep tells me since I don't consent to phone call, I can't get sent an email how are those connected? Y'all never asked about my email which is already on file and I have no problems with it. Just that it's my preferred method of communication. She tells me that they are the third party company taking calls for open sky. This is ridiculous. You might as well as employ people from other countries like India or Philippines to work for y'all cause I don't think you guys know what goes on with your customers. I would never recommend this card to anyone! Waste of time! Wait time is the longest and then when you get to recovery department, they playing games or they don't even know what's going on.!so frustrating

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 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.

I was never taught about the proper use of credit and as I got older, I started to realize how important it is. For the first time ever, I'm at a 640 credit score. This card has helped so much. The payment process is a little sketchy but I've learned that paying from cash app is the fastest way to have my payments submitted. If you're having a hard time getting a credit card because of bad credit this is the card for you. Keep it under 30% and you'll see big changes

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.

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.

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'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.