OpenSky Credit Card

I opened this card 7 months ago, I have been using 10%-30% of it and paying early. I have been checking my credit report and the card doesn't even show on my report. Totally a waste of time these months. I have read very good reviews on it which is why I got it however, it has not helped my credit at all. Every time I try calling they keep me waiting for more than an hour and I end up hanging up. VERY UNPROFESSIONAL COMPANY it's a SCAM for me at this point.

YOU GUYS ARE $#*!ING TRASH! My best friend (whom happens to be schizophrenic) didnt know better and was approved for a credit card provided she pay a $200 deposit-- she paid it online and *NEVER received the $#*!ing card* She has been literally, calling every other say since the end of May 2020 trying to get her $200 back; WAITING UP TO 45 MINUTES ON HOLD and I'm sitting right next to her as you guys make $#*! up as to why the checks been sent back to you guys 3 times due to address issues etc. Its another 10 minutes (that WE wait, every day) to talk to the dumb $#*! manager who is almost as stupid but DEFINITLEY as full of $#*! as the customer service reps! () FINALLY? They said they would FEDEX it OVERNIGHT IT etc BUT CAN NEVER PROVIDE A TRACKING NUMBER & guess what its $#*!ing september and my girl is still patient YET confused, YOURE TAKING ADVANTAGE OF INNOCENT PEOPLE WITH MENTAL HEALTH ILLNESS/DISADVANTAGE and I hope to god somebody shuts your bull$#*! down

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The customer service woman who I spoke to over the phone was very friendly and helpful the wait time wasn't too long. Overall good experience thank you very much

This company is terrible I mean literally terrible! They just erased my review I had gave this horrible company a $200 deposit over a month ago and have yet to receive my credit card! I've called the customer service number provided on their website and there's never a live person, so what I did was call the bank (capital bank not capital one) their associated with and had to speak with one of the staff members there. They asked for my information including my SSN (which i did not give because it seemed odd) they told me they were going to email "OpenSky" so they can resolve my issue. Honestly, both of these companies are full of it I'm calling business of bureau ASAP and if you're having the same issue you need to call too I honestly wished I looked at the reviews before giving them my hard earned money! This company should not be able to do this and I don't understand why experian would even recommend this horrible company smh l. Please save your money! Try another real better credit card company!

Of course we know its a secured card. However my card was canceled by them with no explanation. Called for reasoning. After 30+ minutes I speak to someone with broken English. They claim I sent a letter requesting for a deposit to be refunded. I told I did not request this action but they insisted to the contrary. I said okay send me a copy of this letter for my records and they said they would. 7 days later I called back and 30+ minutes later I speak to someone who does not understand the words coming out of my mouth. I request to speak with someone who can actually understand me. Was told I would receive a call in about a hour from someone who could clear this up. DID NOT HAPPEN! Next day receive a check for my deposit back without the copy of the earlier stated letter! Called and after 2 hours of transferring I was told to destroy the check and everything was straightened out. Now next day received another letter stating there was no letter of requesting the deposit and they made a mistake! Another phone call, they apologize for the whole ordeal but did nothing. Have not used card and receive a statement for s balance of $200! Called again and they made a claim I cashed the check so to keep my account I would have pay the $200 balance. However, when I say I still have the check, did not destroy per the request, everything changed and all was restored. Tried to scam and it backfired on them. If not for the credit score hit I would cancel the card! A scam of s company! Beware.

DO NOT PROCEED!

It's astonishing this card is featured on Credit Karma. Trusting the recommendation, I applied online. At the end of the process, they require a credit cart for the security deposit.

But they haven't approved the card yet. There is no agreement. I submitted the info and the charge immediately went through.

Then they said they needed to verify my identity.

In other words, they charged me the deposit/security money without a formal agreement.

I recently moved and my information is not updated. It will take months for me to verify my address.

But now I'm screwed. They basically stole $400. The charge is complete. The only path to communicate with them is through a page on their website that says I need to verify my identity.

I found their phone number online: *******412

I'm sure getting my money returned will take enormous effort. It may be impossible.

It's truly shocking this card is listed on CREDIT KARMA or anywhere else.

I learned too late that they have a pattern of these kinds of abuses: https://www.sitejabber.com/reviews/openskycc.com

And: https://www.ripoffreport.com/reports/capital-bank-open-sky/internet/capital-bank-open-sky-open-sky-openskycc-openskycccom-capital-bankcapital-bank-open-*******

Of course, Credit Karma does not give you a heads up.

Fortunately, charging money without an agreement is wire fraud. This is not a civil crime. It's a penal one. I suspect they have stolen a lot of money.

I will be contacting the Attorney General's of every state as well as the Justice Dept and the FBI.

Crime doesn't pay.