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This is the most worst secured credit card ever, the customer services is horrible. I have two OpenSky secured credit cards, I pay my bills on time for the two cards I have, at the end of the month I check my credit score and only one payment is posted on my credit report after making two payment for two different cards, I called customer service and they told me that if the payment is not showing on my credit report the is nothing they can do about it, Even tho I made the payment on time it is still not showing up on my credit report. OpenSky said that they can’t do nothing about payment that I made which is not showing up on my credit report. They cause my credit score to drop 22 points because of this, I do not recommend anyone to get this OpenSky credit card. I got it by mistake, I didn’t do any research on the card I just got it because I saw it on credit karma and it was easy to get. I’m regretting my decision to get this card but it is too late to do anything about it and I’m screwed.

I experienced the worst customer service with a CC company I’ve ever had. Please be careful dealing with this company and if you can get a card with someone else I recommend that you do. I changed the billing date through the app which they accepted but charged me a late fee bc I didn’t pay my bill on the original date. I’ve NEVER heard of such. I was told by the telephone rep the only way to change the billing date is to call in. I’m confused, why does the app allow for you to change it if it’s not really changed! So now I have a late fee. I have never missed a payment with OS and would’ve never changed the date if I knew this was going to happen. Totally MISLEADING! I can’t close this account bc that would hurt my credit. I was trying to help them earn a little interest by not paying it off bc normally I always pay the account in full. I’m going to pay the small balance I have along with the late fee and then I’ll NEVER use the card again. SO NOT WORTH THE HEADACHE OR THE DING TO MY CR!!!! Oh and by the way I have 8 major other cards with high credit limits and they’re all paid. I opened this account when I was rebuilding my credit. For the people who are reading this and need a major secured CC , take my advice. Discover or Capital One, you’ll thank me later!

Please pay close attention to all of the negative reviews here & they are plentiful! This company took my money but never sent me a credit card. They can’t be reached by phone, email, or chat & you are required to snail mail correspondence even for a lost or stolen card!!! When I contacted them by snail mail about not receiving a card, their response was to charge me ANOTHER annual fee (I have a balance over $100 on a card that’s never been received & their own automated system admits has never even been activated). They reported negatively on my credit, I have a “late payment” & am over 30 days past due & I’VE NEVER RECEIVED THEIR CARD!!!! Is this the very definition of fraud & scam??? Their negative reports to the credit bureaus have dropped my credit scores over 50 points. AVOID AVOID AVOID AVOID AVOID AVOID AVOID AVOID AVOID AVOID