This card complete BS! First off to make a Payment is the most difficult I've ever experienced. And then they charged my a $25 check fee because I entered my debit card instead of account number when I did it with the account number first and it didn't work that way either! And customer service is no help whatsoever. I do not recommend this card to anyone and will be closing it ASAP
Be very careful when applying for this card.
I applied and submitted a $400 payment to open the account.
I received an email stating the card was in the mail. After 3 weeks I had not received the card. I called customer service (a nightmare) and after being bounced around and calling back for over an hour, I was finally told that my account had been put on hold.
This was after "the card is in the mail."
They wanted a letter stating I lived at the address on my application!
I requested my money back, was told it would take 6 weeks. 2 days ago I received a credit card statement where they deducted the $35 fee.
Be very wary of these crooks.
Call after call, month after month added charges, for a bill i paid which is supposed to build my credit but shoots me in the leg repetitively! No prob with any other creditor. Open sky will be your worst credit building decision ever! Go with anyone else
As of the end of August I cancelled this card. I spoke to someone at customer service without incident and cancelled. The card served it's purpose; my daughter has a decent starting credit score and she was now approved for a capital one unsecured credit card with a $1,000 limit automatically. I was told I would receive the 200.00 deposit within 4-6 weeks. It's been approx 2 weeks and I see the refund deposit has arrived in the mail today.
Its not a scam, but I was leery too. I got the card for my daughters 18th birthday. Its been 4.5 months and she now has a 680 credit score. All the negative reviews are from people who are irresponsible, dont read and dont bank with an institution. The only negative thing I have to say is that when you make a payment, the available balance and payments received dont update for a few days. Make sure you read through all the functions under your online account. Turn off paper statements so you dont get billed for one. Use the card sparingly and set up automatic bill payments. Have a checking account so you can pay your bill. I have not been charged anything out of the ordinary and have not had any problems with this card.
Watch out! They will charge you $35 a year for a $200 credit card that requires you to send them $200. Totally a rip off. Do not get this card unless you absolutely must.
I got this card because I was just out of bankruptcy and needed a card to rebuild credit. After I got this, I discovered there are no fee alternatives.
Been with this company for over 2 years with no missed payment Or lateness. Their customer services is the worst. You never get anyone on the line. After two hours of waiting a customer service rep, pickup & pretended she couldn't hear me, I am going to cancel my card.
I've had this card a few years and it helped me get my credit back up. Recently, my phone alerts went off like crazy. Someone was wracking up charges at an online shop. Called immediately and they shut the card down. I received a letter a few weeks ago that due to not reporting my card lost or stolen (?), they can't help me. Said to file a police report if I wanted to have them check again.
I'm shutting this card down once this mess is cleared. I'm upset. At least my credit was good enough to get a Discover card. I can get no-fee, no deposit, high amount CCs now and for that I'm grateful to OpenSky. Just BS they didn't cover me on a database breech.
They refused my 40 dollar payment. Said, it was a ACH issue only after waiting 2 months. But what was funny. I told them to close this account 2 months ago. They kept it open. Started reporting negative payments. Customer Service they are mostly people that don't speak well English. I had some man customer service representative insult me several times. But couldn't explain payment reversal. Have not got in contact with me at mostly. I think they would like a class law suit.
Beware! Once you make your payment and it posts, open sky still holds the payment for 5 to 7 business days, not allowing you to use the money on your card. Ridiculous! Paid the balance from my checking account and now will be broke for another week! Do not get this bogus card!
I closed this account after 6 years, they reverse good payments and raise your interest rate, then if you try to use your deposit to pay off the balance they threaten you with placing a chargeoff on your credit. I have 1500 in deposit, I dont known where these funds are deposited and they claim it will take 12 weeks to get my money back I am going to seek legal counsel
Overview
OpenSky Credit Card has a rating of 1.6 stars from 272 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers dissatisfied with OpenSky Credit Card most frequently mention customer service, credit card and annual fee. OpenSky Credit Card ranks 180th among Credit Cards sites.
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- Horsham, PA, United States
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- Sitejabber’s sole mission is to increase online transparency for buyers and businesses
- Sitejabber has helped over 200M buyers make better purchasing decisions online
- Suspicious reviews are flagged by our algorithms, moderators, and community members