OpenSky Credit Card

I wasn't going to obtain a credit card because I didn't want to have to pay credit card bills but I went ahead and got this card with a $250 deposit to try to repair some of the damage done to my credit record by Navient / Sallie Mae, their lies, and student loans. Long story I won't go into.

I've only had the card about three months, but the card itself always works. Payments do take several days to process into available credit (something that actually baffles me in this day and age), but that isn't a problem. I don't really understand why other reviewers are posting such bad reviews. My experience with them has been nothing but positive so far. I typically pay the bill as soon as the statement comes out. My statements close on the 9th; the bill is due by the 6th of the following month. Paying on the 9th, 10th, or 11th gives the payment three weeks and a touch more to process.

I use it a little bit each month just to make sure I can have some kind of payment to make and something to report to the credit bureaus. Aside from that, it's kind of a nice feeling to know that I have $250 in emergency funds if something should come up. I know that won't go very far for car repairs, but it could get me into the dentist's office or something like that.

Perhaps if your money is so tight that you're immediately desperate for available credit only seconds after submitting a payment, this might not be the card for you. But if you've got a bit of surplus in your income and you can afford to part with your payment funds for a few days, and you can make the payment as soon as the statement comes out, I can't anticipate any problems.

So far, this credit card company has done exactly what they've advertised.

It takes them forever (week or more) to process your payment, so I tried to accelerate that by calling them and asking them to conference call with my bank to confirm my bank already sent them the payment.
Open Sky refused to do this, even though it is standard in the credit card industry to do this.
I had to FAX (yes, circa 1970's) proof that my bank sent them money.
The proof had to be something from the bank that said the payment was completely sent (pending bank transactions where you no longer have access to that money don't count), it had to have your address and name on it and account number and the non-pending transaction along with the before and after balance. Very picky.
They also had problems with their phone system so after I was on hold (with music) for 10 minutes, and they came back on the line, they couldn't hear me (I could hear them) and so they hung up within 5 seconds of first trying to hear me.
On my fifth call trying to meet all their picky/arbitrary demands, they said I would have to be on hold for 10+ minutes again just to get a supervisor who would presumably put me on hold another 10 minutes (their fax requirement means it takes them quite a while to see my faxes, probably because they have to load paper on their daisy wheel epson printer to print out a fax). They gave me the option of calling me back instead of me waiting 10 minutes to get the supervisor, and I said fine. Then they said I would get a call back within 48 hours!

So I waited on hold. The supervisor came on and said the latest additional info they wanted couldn't be read. Almost surely because they are relying on ancient fax technology since it reads just fine in the image file that I faxed them (using eFax because who has an ancient fax machine at home anymore?)

So I just faxed again, enlarging the print. And will be on the phone again (6th phone call and counting)...

OK, I guess with this company the motto is "6th time's the charm"

Finally got the hold removed on my payment to them.

Now I have my balance available so I can rent a car to get to work since my car died. They didn't care about any of that when I told them, and they still insist on their 1970's level of customer service.

TERRIBLE COMPANY.

Get this card only if it is your last resort.