OpenSky Credit Card

There were a lot of issues for this card from customer service to payments credited. The customer service team is AWFUL! They talk to you like you are beneathe them, and try to make you feel stupid. As far as payments, I made a $50 payment on June 29th and a $50 payment on June 30th. My credit isnt even available until the 7th and 9th of this month. Then, when I tried to close my account they told me that it would take 10 business days for my security deposit to be credited, and another 3-4 weeks for my money to be sent back to me. The supervisor I talked to was a piece of work. Worst credit card experience EVER!

My credit score went from 600 to 411 after they hit me with an annual fee as soon as I activated the card, I wasn't actively using the card and was unaware of this fee which eventually turned into a 30 day late fee, then a 60 day late fee, then a 90 day, then a closed account, all of which was reported to a credit bureau which tanked my score over 180 points, all because of a $30 fee. Again I NEVER USED THE CARD ONCE DURING ALL OF THIS. Now I'm in a situation where I need to rent an apartment and my applications are getting automatically rejected due to poor credit score.

DONT believe the hype they told me i could pay thru western union a week later they rejected the pymnt it took another week2 get my money back minus the w. U fees then i mailed a money order it took another 2 weeks b4 they credited my account then they put a block on my card after they cashed my m. O then told me i had2 send a letter from my bank and wasnt able to allow me to use my card nor close my account till i jumped thru hoops i had2 threaten2 call the news n bbb then they unblocked the card n i closed it DONT deal w open sky

After repeated problems with delayed payment posting, poor customer service I closed my account and in a couple of months received my security deposit back. Months later they send me a refund check for $ 18 due to their bad math. Months after that they call me to say they mistakenly that they sent a second $ 18 check in error. They told me not to cash it and to send it back to them, I said I would but at that time I had never received a second check.

The second check never arrived so I forgot about it. Today I get an email saying my account s past due and to pay the balance immediately. I call customer service to explain that I never received a second check and to check their records to see that I have never cashed a second check. The customer service rep didn't budge and told me to pay the $37 now. So a 100 % late charge on a second check I didn't receive on an account that has been closed for a while now. I suspect the 1st check I did receive was in error and the second check was a lie to get me to pay back the original $ 18.

I will pay the $ 38 because they will ding my credit for this small amount. Very shady practices from this company and you should be wary of them.

Attempted to access a portion of my available cash and entered what I thought was my pin number. The pin number I entered was incorrect and my card was locked. I called Opensky and had to wait 25 minutes to reach a representative.

The representative told me my card was locked but he could unlock it if I answered the verification questions. I answered the verification questions and he then told me that everything was successful but for some reason he still could not unlock my card. He said that my card could not be unlocked because of too many attempts. He then told me I would have to wait until tomorrow for my card to be unlocked. (I'm writing this review as this situation happened 15 minutes ago)

I advised the representative that my card being locked until the next day was not an acceptable option for me. I requested to speak with someone else. He then told me he get his supervisor on the phone. I waited an additional 15 minutes, on hold, while waiting for the supervisor, and the call was disconnected. I am now on the phone waiting to speak with someone else. The customer service is of no help as of now.

Also, when you make your payment, Opensky processes the payment, however, they take up to five additional business days to make the credit available again.

I am not pleased with this card at all.

The customer service sucks this is definitely not the right to go if trying to build your credit. They lie and know is on the same page.

I applied with this company April 28 or 29th got email May 1st our cards have been shipped out, They have no numbers on there website to call, I had to find out corporates phone number searching for it, when I call them supposedly they got the cards sent back to them because of an incorrect address and I have an email with proof that I had the correct address that's one lie already, than I asked them to refund my account and they refused I told them they are quick to take money out but not to return it, hate companies like this, now I have to wait 10 days of processing than another 3 to 4 weeks to get my check ridiculous I told them if I don't t get my money back ASAP I will file a police report. Haven't even got my card and sure hope they refund full amount because is not I will take legal action on this company you don't play with peoples money. Especially when you are referred smh never again.