OpenSky Credit CardReviews 276

Don't ever sign up for this credit card cause its a complete scam they don't help you do $#*! and on top of that they charge every month for doing $#*!. Plus if u want a credit increase u got to deposit more money. This is about the worst card service ever and on top of their customer service is horrible I am talking rude and they never want to pick up your phone call. Why u have to wait 4 to six weeks to get your money back and then they send u a check

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.

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.

Fiancé and I made a payment in full, The money was taken out of our checking account applied to the credit card and then they froze the credit card account. They also reported the balance not paid to the credit bureau's with account Current and in good standing. After numerous times of trying to contact someone in customer service to resolve this matter when I finally did get a hold of a representative they told me my account is going to be frozen until they receive a letter from the bank stating that the funds will be cleared mind you this is been over two weeks ago since the money has been taken out and cleared from my checking account.

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 2005-2017, 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.

DO NOT PROCEED!

It's astonishing this card is featured on Credit Karma. Trusting the recommendation, I applied online. At the end of the process, they require a credit cart for the security deposit.

But they haven't approved the card yet. There is no agreement. I submitted the info and the charge immediately went through.

Then they said they needed to verify my identity.

In other words, they charged me the deposit/security money without a formal agreement.

I recently moved and my information is not updated. It will take months for me to verify my address.

But now I'm screwed. They basically stole $400. The charge is complete. The only path to communicate with them is through a page on their website that says I need to verify my identity.

I found their phone number online: *******412

I'm sure getting my money returned will take enormous effort. It may be impossible.

It's truly shocking this card is listed on CREDIT KARMA or anywhere else.

I learned too late that they have a pattern of these kinds of abuses: https://www.sitejabber.com/reviews/openskycc.com

And: https://www.ripoffreport.com/reports/capital-bank-open-sky/internet/capital-bank-open-sky-open-sky-openskycc-openskycccom-capital-bankcapital-bank-open-*******

Of course, Credit Karma does not give you a heads up.

Fortunately, charging money without an agreement is wire fraud. This is not a civil crime. It's a penal one. I suspect they have stolen a lot of money.

I will be contacting the Attorney General's of every state as well as the Justice Dept and the FBI.

Crime doesn't pay.

This company is terrible I mean literally terrible! They just erased my review I had gave this horrible company a $200 deposit over a month ago and have yet to receive my credit card! I've called the customer service number provided on their website and there's never a live person, so what I did was call the bank (capital bank not capital one) their associated with and had to speak with one of the staff members there. They asked for my information including my SSN (which i did not give because it seemed odd) they told me they were going to email "OpenSky" so they can resolve my issue. Honestly, both of these companies are full of it I'm calling business of bureau ASAP and if you're having the same issue you need to call too I honestly wished I looked at the reviews before giving them my hard earned money! This company should not be able to do this and I don't understand why experian would even recommend this horrible company smh l. Please save your money! Try another real better credit card company!

Card started getting declined for no reason when I clearly have money on the card. Have been trying to reach a representative.
The automated system goes for a long time before you can press a button and then it seems to time out and doesn't recognize any button you press. To finally reach someone I chose the dispute a transaction option. It patched me through to a representative but keeps saying wait times are currently long.
Curious as to how since it's so hard to even reach a representative. Once you actually get a hold of one they were pretty helpful and nice.
Besides this issue I've had no problems with the card.

After spending a good hour on phone calls to there animated phone system that freezes up, with two different phone number. MINUS ONE RATING...
There phone system doesn't offer anymore information than there app supplies to you. All this tells me is they DO NOT WANT TO TALK TO ANYONE...
They don't appear to be trustworthy, Can't even talk to a human.
Took over 84 hours for a payment to even show up, that I made. And then 12 days to be available again to use. 15 total days to be able to use your own funds is uncalled for...
I don't understand why this place is so highly rated in all of your so called respected money sources, THEY MUST PAY FOR IT...
August 13 made initial deposit, August 16 they took my $35, August 19 received card, August 20 requested a credit limit increase, Have not recieved a letter as of September 9, August 24 first charge. I have made several payments so far, then on September 9, I make a payment to them, they reduce the amount of payment and then a minimum payment due shows up under the minimum payment due box... Really...
September 10, NO TRANSACTION Listed anymore... NO STATEMENT, AND I HAVE NO AVAILABLE CREDIT EITHER...
WHAT IS UP WITH THESE PEOPLE...
LOOKS TO ME LIKE THEY STOLE MY MONEY...

David

Don't bother with this company! I went through a whole ordeal trying to track down money I sent for a deposit only to have capital bank them tell me that CAPITAL BANK IS NOT ASSOCIATED WITH OPENSKY DESPITE WHAT THEIR WEBSITE ADVERTISED. In addition to this the Account and routing number were both found to be INVALID AS IN NON EXISTENT IN ANY BANKING INSTITUTIONS. SCAM SCAM SCAM! They make it extremely difficult to contact them despite having a website and app they don't have a contact number listed, they do however give several PO Box addresses for you to contact them BY MAIL. Simply avoid these people unless this is a last resort and you're ok with being scammed!