OpenSky Credit Card

I admit, in the beginning they did as they promised. My score went up, as long as i paid my account off. But it was the closing of the account that their true colors came out. I cancelled my account on September 2nd, 2017. I wanted to use my deposit to pay it off, they said they couldn't do that and that it would take up to 10 weeks to refund my initial deposit. Well 12 weeks went by and nothing happened. I called them. They said they would investigate and it would take 7 days. I called back 10 days later and spoke to someone else who said no, it wouldn't take 7 it would take 10 - 15. I asked to speak to a manager. She stated more than likely it would be done in 15 days. So i called back a week later ( 17 days after the initial call) They said they had no answer and couldn't guarantee when my deposit would be available. So then i asked for a manager again. Then i asked why he was the 5th person i talked to who gave me a different answer. He said the others must not have known what they were talking about. Now I'm at almost 14 weeks after my account is closed. I had to contact my states attorney general to get my money back, otherwise there is no guarantee that you will get your money back. I officially got my money back 18 weeks after i initially closed my account. That is just horrible business and in my opinion, i think they would have kept my money if i hadn't gone the extra step. I HIGHLY suggest you go somewhere else. The end of the relationship wasn't worth the beginning.

I called to get help because I couldn't get into my online account. The customer service agent was rude, short, and impatient. Unbelievable!

Last year, I cancel my card in October 2017. I was approved for my deposit back because I didn't have a balance. I paid this card more than I should have thought my credit score would get higher, but it didn't and I wasted a lot of money. Anyway, I still have not received my deposit back and it was going into the month of November 2017. Now OpenSky has this policy that after you are approved for you deposit they will send out your deposit within in 2 weeks. Well, it was past the 2 weeks mark. I wanted my deposit before Thanksgiving and I got it too. Let me explain how to all those who have not received their deposit back yet.
First, I realize their customer service was friendly to me and I was sick of how I felt after the phone call. I got no action from them and I still didn't get my deposit, yet.
I went on a site called Consumer Financial Protection Bureau www.consumerfinancial.gov and I visited Federal Trade Commission. Let me tell you this for anyone who can't get through a credit card company. These two sites that I visited will get in contact with anyone dealing with consumer's rights. These companies don't play and mean real business and they stand up for us the consumers who were mistreated by credit card companies or any companies.
My story is I complaint on these sites about my situation dealing with Open
Skycc, com. A real true story, I got my deposit before Thanksgiving 2017. I say if you are having issues with any credit card company, complain about these sites because they stand up for us consumers. They protect us from companies that try to violate consumer's rights. After I have received my deposit, now OpenSky writes me a letter about telling the consumer financial protection bureau and federal trade commission to leave them alone.

Ok opened an secured account to build my credit score some more.
I was at a 710.
Sent them $200 for secured card.
Received a $35 bill for activation before I received card, that's ok.
Received card, paid off $35.
Used it for $28 then paid it off immediately with my debit card.
Next month first report they took 32 points off my credit for opening the account, at least that's why it says on credit karma.
Called and asked why, was told it shouldn't affect negative.
Was advised to call Equifax and get complete copy of credit mailed to them at a po box? Who uses a po box?
Anyhow they said if I did that they would clean up their mistake within 30 days or so.
So I did it.
Well next day opensky took another 26 points off my credit! Literally the next day I got an alert from credit karma and checked it hoping the first mistake maybe was cleared but no it was informing me that the other 26 points were taken.
Lady at open sky said she never seen this.
So here I am day 3 trying to deal with this which took me from decent credit to almost poor in 2 days...
I think I made a horrible decision on opening this account at this point.
Wish I never did to be honest.
Now they basically ruined my credit in 2 days.
With a secured card at that, and I utilized under 20 percent.
Not sure where I go from here but what a headache and major set back.
Damn, man. Smh

Hoping to get this cleared and now I feel trapped to this company because it will effect me even more negatively if I cancel the card.
I almost feel like a hostage at this point.
All for sending them my $ cash.
Wish I could just tell them to keep the $200 put my points back and we are even, you made $200 for les then a month.
Unfortunately don't work that way.

I know things happen and if they clear it up I will 100 percent come back and out a positive review for them.
I'm not here to bash the company, but from the way it went down I'm sure you can understand my frustrations.
TG in mass

I am looking to buy a house this year and like everyone else who got this card, my credit score was in the low 500's. I put $200.00 on the card to start and kept usage around 10-20% at the most. The most I had on this card was $40.00. Once I made a purchase I had to wait a few days to pay it off. I made sure the balance was 0 at the end of the month - no matter what. In addition, I had some negative reports on my credit history as well - which I challenged and had them removed. Some from length of time and others paid off. My credit score started to rise quickly. I then used experian boost (free service) which looks at my monthly subscriptions and bills that help my score. My score jumped 30+ points from that alone. I then received my first unsecured CC. $500 credit limit. Used it same way as open sky - no more than 20% usage ($100 max). Paid off right after it posts. I'm so use to paying for things on my debit card - I don't have the mindset to keep a balance. After about 3 months applied for another CC and got a $3000k credit limit. Waited another month and now I have another card with $1k. I rotate them and pay them off same as I did with my first that got me started. OpenSky increased my credit line to $500 with no additional deposit needed. The only negative thing I can say is that I would have like to see a free credit score attached to the app but all in all they help me get to a 738 from the low 500's in less than a year. Keep you usage below 20%, pay off the credit cards in full every month and you will be golden. I'm reading a lot of negative reviews based on overspending - which is not the companies fault.

So I just recently became a customer for first impressions this crediter is horrible they have no customer service skills. I applied and got approved and deposited the money when Iid that I callled to see how long it would take to create my account it took them two weeks to create my account then when it's been approved and I received a email letting me know I was. So I called because I had spoke to two separate employee representatives about having it overnighted to me or rushed they told me that was a option for me but then when I called today the supervisor was very rude she wasn't helpful shaneka needs to learn customer service I work in property management and real estate and I would never have a customer that I couldn't help them with a issue or come to some sort of resolution. I waited on the call for a hour and half just to speak to someone. When shaneka spoke to me she told me there was no other supervisor and that I'd have to wait on a call back. I think this is really ridiculous and highly unsatisfying. To me first impressions are everything I'm very much upset at the fact there telling me I now have to wait a entire 3 weeks almost just to received a credit card. Like I'm so upset and I won't be recommending this to anyone anytime soon. ESP just due to the lack of communication on open sky's behalf and your representatives need to be trained. I hope this makes it to corporate.