OpenSky
Reviews and Complaints

I am completely satisfied with this card so far! I am using it to boost my credit score so I can buy a home and within the first month 2 bureaus went up... one 39 and the other 51. It does take about 5 days or so to post payment to account so I would recommend paying no later than a week before the billing date. I just had Hulu auto pay my card and make payments online to opensky via my checking account. I would definitely recommend this card if you need a credit boost!

I got my open sky card about a month ago! I deposited 200 dollars for my credit line, after using it immediately when I received it, I spend 50 percent which was 100 dollars. The following week I paid my balance of even though it wasn't due at the time. A week later my credit score went up exactly 48 points in less than a month once the credit bureau added it on. I am now waiting on the other two credit bureaus to start reporting as well. I'm beyond satisfied. The key is to pay early from what I'm noticing.

I have been with this company for over a year, and every time I have had an issue with late fees or fraud activity, this company has always shined through the storm. This is the type of company I can recommend to hard workers that would like to have their hard earned money taken care of with trust, honesty, and diligence. Thank you to everyone at this company! And I am just a regular middle class girl, no one paid me to write this, I have just had a string of bad events with professional companies and this company I felt deserved this review. Hope this helps the next average person!

First off let me say this card should not get any negative reviews. If you used this card accordingly and are patient, there should never be any issues with it and you will see results. Customer service could do better with hold/wait time when calling but all that tells you is call when you have time to spare. Again, Im truly shocked at how many negative reviews have been posted against Opensky. Using this card has helped open doors that were once closed to me. Ive had this card for 3 months and saw my credit score rise like never before 150 pts/ 3mo. Thats saying a lot coming from a person who has had a credit score of 441 for the past two years. All I did was buy small purchases like a pack of cigarettes, $10 in gas and energy drinks all at separate times of course. Keep your card utilization under 35% for best results, lower the better. If anyone is still on the fence about applying for this card i hope after reading this will make up your mind. I speak from experience Opensky is a legitimate game changer.

This is pretty much the BEST flexible secured card you'll find. Its a Visa, the minimum down-payment is only $200, and they have NO credit check. There is no other Card with that as a prerequisite. I got my card within a matter of weeks and increasing a limit was a simple matter of calling in and mailing a check. The card has given me zero issues and I use it everywhere.

My only complaints would be that the call menu needs more options, the app could use some work, and this card really needs to be on Apple Pay. Otherwise, this card is a GREAT option and anyone looking to build up from bad credit or for a card that will 100% accept someone without credit.

Most of these negative reviews are clearly people who are mixing user error vs legitimate complaints. Skipping reading the TOC or missing the $35 fee that's plastered on the application isn't something to blame the company for. They are small scale and likely the last shot at a CC for many people... keep your expectations realistic and you won't be disappointed in any regard.

Nice article! If you're in need of fast (within 3 days), reliable & effective credit repair solutions. I will urge you to contact;
Computerworm. Hacker [AT] Hotmail. C o m
I have confirmed their job and I can boldly say this that they are the only credit repairer that have direct relationships with all the 3 federal credit bureaus, what they do is look out for the negative items dragging your score down, clear credit card debts, remove inquiries, tax liens, eviction and late payments. They also provide additional lifetime coaching services to ensure that your credit report and score remain up in the high 790s and accurate forever. And the sooner you get started, the sooner you'll see the results that will have you on your way to reaching your financial goals (purchasing a house or car, a good job or business loans). Also, my husband just got qualified for a business loan of $245,000 through these people and I can place a bet on them because I am sure they will always come through no matter how bad the credit is. My husband had the worst credit but they came through for us in just few days. So, what are you waiting for?

I have no idea why people are writing negative reviews about this card. I had this card back in 2002 when I was getting my credit re-established. Worked great, easy to reach customer service, quick to apply payments, never any problem. Then I got much better cards and limits from [protected], so I closed this card in 2015. Serious medical issues required me starting all over again in 2018, so guess who was there to help? My old friend Open Sky through Capital Bank. Easy to open a new one, payments credited quickly, can always reach customer service. I deposited $1,400 and try to keep it paid down. There is an annual fee of $35, but that is standard for many secured cards. Also, Open Sky gives you this card with NO credit check. The people who are writing negative reviews could not get the card because the banks needs to be able to verify your address and who you are so they know you're not a scammer.
That is good practice from a bank. So make sure to keep your PHYSICAL home address updated on your driver's license and with the credit bureaus, and you will have no problems. I've twice been a customer with Open Sky since 2002, so I know very well that this is a good card from years of dealing with them. Keep your physical home address current on your driver's license and address current with the credit bureaus (make sure these two addresses match), pay on time, don't run up your card to the limit, and you will have a VERY good experience with Open Sky. Open Sky will accept you for a second chance when others will not.

I'm writing this as a current customer, who is in the process of paying off and closing the card. After only 3 weeks having the card I have had to call numerous times to see why my card is being declined when trying to make a purchase be it in person or online. The very first purchase I made was $29 or so and that went through no problem. The next day I attempted to make another small purchase inside of the gas station and it was declined. I was on the phone for just under 30 minutes before I was transferred and told that a fraud alert was placed on my card. She said it was odd because my card was new. So she proceeded to manually override the purchase so it would go through. She told me to give it until midnight to allow the system to refresh. She also mentioned that because I'm in Las Vegas it raised a flag because I made a purchase outside of the city. I explained to her that I online shop like most people do. I've done nothing out of the norm whatsoever. She mentioned the purchase was in Arizona for Godaddy. I didn't know shopping online with a reputable company raised a fraud alert. I was reassured it wouldn't happen again. Yesterday I attempted to purchase myself some dinner and again my card was declined. I was told the card was not valid. I proceeded to call customer service of the food delivery service I was trying to order from and they told me to log out of the app and onto their actual. Com so I did only to get declined again and a message popped up (which I have screenshots of) saying the purchase being declined by the issuing bank. I called O. S yet again to find out what was going on and was told everything was fine and it's not on their end. I call the food delivery service again and was told usually a fraud alert being placed on the card or lack Of funds may cause the decline and message to pop up. I proceeded to try to order from another reputable food delivery service thinking maybe it wasn't my card- nope, declined again. Sure enough, i call O. S back and they transfer me to the fraud department and I was told that there was yet another fraud alert on my card. She stated that because I had a few charges from outside of my city it raised a flag. I explained to her i online shop like most people do. She wasn't listening to me and kept saying that my purchase activity was raising a flag. What activity? She brought up the first fraud flag that was placed on my account for absolutely no reason at all as if she was trying to guilt trip me or something. I told her that I shouldn't have to call in each time I want to make a purchase and that they are unfairly targeting me with fraud alerts on my account. She proceeded to tell me that that's what having a secured card is all about and that secured cards are more strict. She told me that I could call and ask for paperwork stating that I did not want these strict precautions. I don't feel it's right to place false fraud flags on someone's account when normal activity is taking place, nor do I think I should have to call and beg to be able to spend my own hard earned money. I feel their practices are very unethical and shady. I wouldn't recommend this company to anyone, unless they like going out of their way to spend their own money. Before ending the call she explained that I should pay before spending. I literally just sent in $35 days prior, which I told her. And she said that could be what was causing issues. Mind you, I had $117 or so on the card and was attempting to spend $40 or so. At this point it just seemed like she was making up stuff as she went along. Never in my life have I dealt with anything like this with ANY credit card secured or non secure. Absolutely ridiculous. Customer support is horrible as well, straight attitude and act like they are going out of their way to even address you. Unless you like getting declined in a store full of people and having to call and beg for an override is your thing id advise you stay far away. I am protecting myself by seeking legal help as I refuse to allow them to take anymore shady and unethical actions against me.

I have 2 active account with opensky my bank was charged twice when I was only looking to pay the minimum amount that was needed additional $40 was tooknt so my bank disputed it and now y'all are charging me for reversal payment when payment shouldn't have been taken in first place I even called about the issue if you look at the account I've been paying on my due dates if not early

I decided to give OpenSky Credit Card a try and opened a secured credit card account with a $200 deposit in April. I was excited to start building my credit score and using the card for small purchases. However, things quickly went downhill from there.

In May, my husband was tragically shot and killed, leaving me in a state of devastation. With bills, rent, and all necessities weighing me down, I received a bill from OpenSky in June for $256. When I tried to call customer service, it was difficult to get someone on the phone. I called three times and the first time, the call was disconnected. The second time, I was put on hold for 36 minutes. Finally, on the third call, I spoke to a young man who explained to me that I was charged for the annual fee and interest. I explained my situation and wanted to close the account, but he put me on hold and then I got disconnected. I felt exhausted and just cried.

In July, I received my bill and it was for $291. Finally, in August, I received my bill and it was for $356. I spent two hours trying to get a hold of customer service to no avail. In September, my bill was up to $391 and I called them four times. The same thing happened and I finally talked to a man who worked for a bill/credit collector. I explained my situation and he said sorry, but he was just there to collect what I owed. He said the $200 deposit was applied to the interest fees and I still owed $156. During the closing of my account, that is what it came down to.

I would not recommend OpenSky Credit Card to anyone. They have a lot of fees that they won't explain, charge you an annual fee, and have no communication, explanation, or justification. It was a frustrating and stressful experience that I wouldn't wish on anyone.

I gotta say, I've had a bit of a rough time with OpenSky Credit Card. I've been waiting for my card to arrive for what feels like forever, and every time I call to check on it, they give me some excuse about production problems or issues with the vendor. They keep telling me not to worry, that I won't be billed until I actually receive my card. But then, lo and behold, I get a bill in the mail today, and it's already showing up on my credit report! I called them up to complain, and the lady on the phone straight up lied to me, saying I didn't owe any money until March. I was like, "Uh, lady, I'm literally holding the bill in my hand right now." I was so worried about my credit score being ruined that I demanded they close my account immediately.

But then things got even weirder. The lady started telling me all these scary things about how closing my account would negatively affect my credit score, and then she tried to bribe me by offering to pay off my first monthly bill. And get this - I paid $200 for this card, but they only gave me $175 in credit on the account! When I asked about it, she said it would take 8 weeks to get my payment, and any outstanding bill would be taken out of the deposit. But then she turned around and said I didn't owe anything at all, and that I'd get my entire $200 back. I mean, how does that even make sense? If I owe them money, how am I supposed to get my deposit back?

I hung up the phone feeling totally confused and frustrated, so I decided to call back and see if they even recognized my number as an open account. And sure enough, they did! I'm planning on calling them again tomorrow to make sure my account is closed for good, and I'm definitely paying them their $25 fee - assuming they'll accept a money order, that is. I'm starting to feel like this whole thing is a scam, and I don't want to risk losing any more money to these thieves. So yeah, long story short, I would definitely not recommend OpenSky Credit Card to anyone.

This OpenSky Credit Card is not worth your time or money. I applied for the card and had to pay a deposit and annual fee upfront. I waited for a response and by the time they approved me, I changed my mind. I told them I didn't want the card and they tried to tell me I couldn't get my annual fee back. I had to explain to them that I didn't owe them any money because I hadn't accepted the cardholder agreement yet. It's important to note that different companies have different rules for what constitutes acceptance, so this may not apply to other cards.

After three months, I disputed the card because they reported it as opened even though I never accepted it. The first two times I disputed it with TransUnion, they told them that I opened the card. This time, I disputed it with Experian and I hope they pay more attention to the fact that I never met the requirements necessary to accept the card. I called OpenSky before, but this time I won't bother. I'll just wait and see if it negatively impacts me financially. If it does, I'll sue them in small claims court.

Overall, I do not recommend the OpenSky Credit Card. They have poor customer service and their policies are confusing. It's not worth the hassle and potential financial impact.

So, I got this OpenSky Credit Card without reading any reviews and now I'm regretting it. I closed my account in June 2017 and I still haven't received my deposit of $200 back. It's been over two months and I'm starting to wonder if I'll ever see that money again.

What really grinds my gears is that they hold our available funds for over a week after we make a payment. It's like they want to earn interest on our money before they give it back to us. And when we close our accounts, they hold onto our deposits for even longer to earn even more interest. It's not fair to us customers who just want our money back.

When I called customer service and the billing department, they told me it would take 10 weeks for processing and then another 7-10 business days to receive the check in the mail. That's three months before I see my refund! It's ridiculous.

I also found out that they use a bank to draft our checking accounts, but they won't pay for the credit in reverse. Apparently, it's too expensive for them to do that. They're not in the business of losing interest or giving us our money back quickly.

I used to work at a bank for many years, and I know that drafting is credit driven. I think the bank they use should revoke their credit draft process and report negative credit reporting process. It's not fair to us customers who just want our money back.

Overall, I would not recommend this credit card to anyone. It's not worth the hassle of waiting months for your deposit to be returned.

So, I gotta tell ya, I was pretty excited to get my OpenSky Credit Card. I mean, I know it's a secured card, but hey, we all gotta start somewhere, right? Well, let me tell you, things did not go as planned.

First off, my card got canceled out of nowhere. No explanation, no nothing. So, I called them up to find out what was going on. After waiting on hold for over 30 minutes, I finally got through to someone. But, let me tell you, their English was not so good. I mean, I'm no grammar expert myself, but I could barely understand what they were saying.

Anyway, they told me that I had sent a letter requesting a refund of my deposit. But, I never did any such thing! I told them that, but they just kept insisting that I had. So, I asked them to send me a copy of the letter for my records. They said they would, but it took them a whole week to do it.

When I finally got the letter, I called them back to clear things up. But, once again, I had to wait on hold for over 30 minutes. And, when I finally got through to someone, they didn't understand a word I was saying! I asked to speak to someone who could understand me, and they said they'd have someone call me back in an hour. But, surprise surprise, that never happened.

The next day, I got a check in the mail for my deposit. But, there was no copy of the letter that they claimed I had sent. So, I called them up again, and after being transferred around for over 2 hours, I finally got someone who apologized for the whole ordeal. But, they didn't actually do anything to fix it.

Then, the next day, I got another letter from them saying that there was no letter requesting a refund of my deposit, and that they had made a mistake. I mean, seriously? How many times do they have to mess up before they get it right?

To make matters worse, I got a statement in the mail saying that I had a balance of $200 on my card. But, I hadn't even used the card yet! When I called them up to ask about it, they claimed that I had cashed the check they sent me, and that I had to pay the balance to keep my account. But, I still had the check, and I told them that. Suddenly, everything changed, and they restored my account.

Honestly, I feel like they were trying to scam me. If it weren't for the fact that canceling the card would hurt my credit score, I would have done it already. So, beware of this company, folks. They're not to be trusted.

I gotta say, at first, OpenSky Credit Card (openskycc.com) seemed like a pretty good deal. They promised to help me boost my credit score, and as long as I paid my account off, they delivered on that promise. But when it came time to close my account, that's when things started to go south.

I cancelled my account on September 2nd, 2017, and I wanted to use my deposit to pay it off. But they told me they couldn't do that, and it would take up to 10 weeks to refund my initial deposit. Well, 12 weeks went by, and I still hadn't seen a dime. So I called them up to see what was going on.

They said they would investigate and it would take 7 days. But when I called back 10 days later, I spoke to someone else who said it wouldn't take 7 days, it would take 10-15. I asked to speak to a manager, and she told me it would probably be done in 15 days. So I called back a week later (17 days after my initial call), and they still had no answer for me. They couldn't even guarantee when my deposit would be available.

So I asked for a manager again, and I asked him 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, almost 14 weeks after my account was closed, I still hadn't gotten my money back. It was like pulling teeth just to get a straight answer out of them.

In the end, I had to contact my state's attorney general to get my money back. Otherwise, there was no guarantee that I would ever see that money again. It took a whopping 18 weeks after I initially closed my account to finally get my money back. That's just plain bad business, if you ask me. I honestly think they would have kept my money if I hadn't gone the extra mile.

So, if you're thinking about getting an OpenSky Credit Card, I would highly suggest you go somewhere else. The end of the relationship just wasn't worth the beginning.

I decided to get the OpenSky Credit Card to help rebuild my credit. Unfortunately, things didn't go as planned. I had a zero balance on the card when I moved to a new home and had my mail forwarded. However, I was surprised to receive my Opensky bill a month later and was charged an annual fee without any notification via email or text. I paid it in full, but the payment was late.

The next month, I received another bill showing that I still owed the annual fee plus the late charge. I only paid the late charge, thinking that the annual fee hadn't posted when the bill went out. However, the following month, the payment due was a whopping $146! I was shocked and confused.

I decided to call customer service, but I had to wait for 20 minutes before I could speak to someone. Once I got through, I explained everything to the representative, but she proceeded to argue with me for 25 minutes. I repeatedly asked her to explain the charges, but she spoke in circles, claiming that they were late fees. I told her that there had been a mistake and that I had already paid the annual fee. I asked her to waive the fees, but she argued with me about it.

Finally, I told her that if she agreed to settle on half of the amount and bring my balance to zero, I would pay it over the phone right then and there. She agreed, took my payment information, and after my payment cleared, she told me that I still owed a balance of $73. I was livid! I had some choice words for her since she deceived me. I told her that I wouldn't pay the rest and hung up.

Since this is a prepaid card and late fees would continue to accrue, I decided to pay the full amount so that I wouldn't have to deal with this unethical company or their poor customer service again. I strongly advise anyone considering the OpenSky Credit Card to read the reviews and avoid making the same mistake I did. This company is not worth doing business with!

I must say, I had a terrible experience with OpenSky Credit Card. I was surprised to see it featured on Credit Karma, so I thought it would be a good option for me. I applied online and was asked to provide a credit card for the security deposit. I obliged, but to my surprise, they charged me without any formal agreement or approval of my application.

They then informed me that they needed to verify my identity, which was a problem for me as I had recently moved and my information was not updated. I knew it would take months to verify my address, but they had already charged me $400. I was stuck, and they had essentially stolen my money.

The only way to communicate with them was through their website, which was not helpful at all. I found their phone number online and called them, but I'm not sure if I will ever get my money back. It's truly shocking that this card is listed on Credit Karma and other platforms.

I later found out that OpenSky Credit Card has a history of these kinds of abuses, which was a red flag for me. Credit Karma did not give me a heads up about this, which was disappointing.

I have learned that charging money without an agreement is wire fraud, which is a penal crime. I suspect they have stolen a lot of money from people, and I will be contacting the Attorney General's of every state, as well as the Justice Dept and the FBI.

In conclusion, I would not recommend OpenSky Credit Card to anyone. It's a shame that they are still in business, and I hope that justice is served. Crime doesn't pay, and I hope they learn their lesson.

Got my OpenSky Credit Card from openskycc.com in a decent amount of time. But when I called customer service, they were rude and treated me like I was a nobody. I was just trying to fix my credit after a financial loss. Anyway, I started using the card for small purchases and paid the balance every month. But this month, my dad got sick with cancer and I had to rush out of state. I could only pay the minimum due of $25 on a balance of $85. Big mistake. The payment didn't post for days, so it was late. They charged me $25 late fees on the balance and another $25 that I didn't authorize from my checking account. When I told my bank, they said it was debited twice! So now my $25 minimum payment became $75 plus interest, and my balance is $148. This is fraud. To make things worse, I got a letter saying I exceeded my credit limit, and my card didn't work when I was traveling. Now I owe half of what I had available. It's terrible that big companies think they can get away with this. I'm going to report them to the consumer reporter in my state and the authorities. I hope the corporate officer who wrote me a nasty letter will review my case and see how unprofessional and scammy they are. Be careful dealing with this company.

I gotta say, I find it pretty funny when people complain about the OpenSky Credit Card. Like, do they not realize that this card is meant for people who are struggling with their credit? If you're getting an OpenSky card, chances are your credit score is so bad that you can't even get approved for other secured cards out there.

I know this firsthand because I lost my job last year and all my accounts got charged off, which caused my credit score to plummet to a measly 499. The OpenSky card was literally the only option I had. So I applied for it and got approved for a $500 credit limit. I used it for small things like my Netflix and Spotify subscriptions and made sure to pay it off in full every month.

Sure, the app looks like it was made in the 90s and it takes forever for the available balance to update (which shouldn't be a problem if you're using the card responsibly - you're not supposed to use more than 30% of your credit limit anyway). But the statement balance updates immediately, which is important because it lowers your credit utilization.

Despite all the not-so-great things about this card, I don't really care. Why? Because after making just two on-time payments in the month since I got my card, my credit score went up by a whopping 120 points (yes, you read that right) to the low 600s. So this card is doing exactly what it's supposed to do.

Now, I'm not saying that this is a card you should keep for the rest of your life. It's a card you use to get back on your feet so you can eventually qualify for unsecured cards with better customer service and perks. Once you're able to do that, cancel the OpenSky card and get your deposit back. And be grateful that someone gave you a chance to rebuild your financial life.

They are honest to goodness rip-off artists. I opened an account in 2021, always good standing, on-time payments, no balance. Then 2023 hits and suddenly my balance owed is over $400 because of some idiot glitch that didn't process during Nov. payment. Calls to their CS were uneventful. Just excuses served as "reasons" for the unacceptable accumulating fee penalties. Total legal factor.

My name is Mercedes Luna, email [protected]@gmail.com
Cell # 239.672.3427
There was several charges to my PayPal account from Opensky, that gives NO info on the PayPal site was too what this service is, or what was purchased.
Two withdrawals were made on the 22nd. of January 2020.
One was for the amount of -$36.47
The other for the amount of -$12.23
Can you please get back to me with some info please.
Thank you
M.Luna

First time ordering from them. For two weeks my order was in " processing" status. I sent an inquiry which was never replied. A few days later i get an email saying it was delivered. But no.. not to me. Tracking says it was sent to a different address.Theres no number to call and many of the emails ive sent come back as a non working mailbox Ive sent several emails no reply no product and so far no refund. Ill never buy from again.

I was cleaning out my last yrs. statements & came across a transaction on the bottom of the page dated jan. 29 2018. I usually check my statements but had not noticed it as where it was. I just called security for my walmart master card. I was told to contact you & then them. ref. no: is 5542950delwkw0vws. I did not order anything of this price from what ever you are. I also will be contacting synchrony bank id I can't do anything with you. please take care of this for me. thank you.
Jean marchiano
42 ore-bed rd.
Schuyler falls
N.y. 12985

I ordered this from Open Sky because the price was better. MISTAKE! When it came, it was in the right box, but only one of the lipsticks were Posie K and the tubes weren't labeled like the legit products. They also appeared to be only partially filled with product. I have sent two emails and tried to contact customer service by phone to no avail. I am afraid to use the product since it appears to be tampered with. I will NEVER use Open Sky again and I intend to contact Kylie Cosmetics and the Better Business Bureau and file complaints. Amazon ought to lean on them as well because they link to your Amazon account! TERRIBLE BUSINESS!

I bought a battery case from this websites with correct address and they said will deliverd here on 11/10/18, it already 5 days late but i have not received it and i called in and nobody pick up my phone, the DHL said its not their fault but the vendor fault for putting the wrong address so they sent it to that address and I tried to contact Opensky but no response and this item cost me 34 dollars, that is my hard working money i need it to return back to me

On Aug 21, 2018 I purchased a "blue cigarette case"; on the 29th I return the item 2 exchange 4. "RED"
To date, I have NOT received the exchanged case; just promises. I wouldn't ever order or recommend this company
Please help, I've requested a refund also 2 NO AVAIL. In addition I paid $4.50 4 pstg
I've attempted 2 contact the company 2 speak with a "live person"

I ordered a bag from OpenSky (Order #: [protected]), acknowledged by them on 8/14. They said "Your estimated ship date is below" but there was no such date. When nothing arrived, I investigated only to find out the bag had been shipped to Houston, TX. I immediately contacted OpenSky via email, to request cancellation and a a refund since I no longer needed the item (it had been ordered for a trip). I sent several emails reiterating the cancelation and request for a refund of $38.59. I have received several replies from an Ashish S., such as this: "AUG 25, 2018 | 08:09PM EDT Ashish S. replied: Hi Elizabeth, Thank you for contacting us. As per your email received, we have contacted the supplier to cancel this order for refund. We will let you know as soon as we hear back from them. Regardless, we will make sure to follow up with you again within 2 business days." Then, today I received the following: "|AUG 26, 2018 | 09:10PM EDT Ashish S. replied: Hi Elizabeth, Thank you for contacting us. Supplier just emailed us with the reshipping tracking # LN344045542KR. Link : https://tools.usps.com/go/TrackConfirmAction_input?origTrackNum=LN344045542KR However, we see that you would like to cancel this order. Since this order is marked shipped we do not have an option to cancel this order." They clearly over-rode my order to cancel, and shipped anyway days after my request was made. This is unacceptable, and is fraud, in my opinion.