OpenSky® Mobile Reviews

by Ritika Ghosh

I had not even officially received the credit card for this bogus company and they charged an activation fee, two rounds of late fees and put a delinquent remark on my credit, all within like 8 weeks ! Please BEWARE of their ridiculous practices
!! I made sure that they closed the account, got all my securing amount back and took the derogatory remark off my credit today after a half an hour wait. The wait I imagine was partly due to being seriously seriously understaffed and perhaps a huge hesitation to actually own up to their shady practices and close down my account! I will do business with you NEVER!Banks like these should be severely regulated and cease to exist! Period .

by Liberia12

This is the most worst secured credit card ever, the customer services is horrible. I have two this app 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. this app 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 this app 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.

by BusinessGirl1

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 OpenSky 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 OpenSky 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!

by Likethecity00000

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

by Staboogie031

Ok so first if you forget ur passcode you have to call the company to reset it, OpenSky doesn’t give you that option. Then you can only pay with checking or money order I’ve read lots of reviews that payments are showing up 7-10 days LATE . Spoke to their customer service they said “oh no, those people are paying late n you have to make sure you have money in your account” ok numnuts I’m pretty sure they did. She said some BANKS will release money later so it’s their fault not open sky’s outdated tech. I got this card they kredit karmas recommendation BUT I think they should take this card off Cuz what I’m reading is they wind up making your credit worse and their app is part of the problem and they DO NOT listen to customer complaints or suggestions. Try to get another card if you can

by Drose Is Reborn

Bro I’ve been reading all the reviews and I’m canceling asap I got charged with a late fee becus they couldn’t take my minimum $35 payment and idek where is Open Sky is or anything about them I wasn’t my idea to get a credit card from them in the first place I wanted to get a credit card with my bank which is BOA thanks mom for putting $300 down and helping me for nothing to get scammed by a rinky dink unknow 2.8 star review company... I’m getting a credit card from chase or BOA after they take my payment which might not even go through becus their 3-5 business days idek kno if u get a refund of your $300 if u cancel but if not idc wasn’t my money it was my moms 🙄

by Shonuff Shonia

I just began my relationship with Open Sky and OpenSky is the absolute worse for starters. It may work one day and the next you will see nothing but a plain white screen for days at a time. That is not advantageous to ANYONE trying to keep a constant eye on their payments and progress. It’s also asinine that payments are not directly drafted and take 7-10 days to be drawn from your account which can still result in making your payments late even if you paid them EARLY. I read the reviews and far too many people have made these same comply. It is 2021 and there is no reason a company of this stature should be utilizing such antiquated methods. Unfortunately I will have to keep the card and use the actual website to stay abreast of my payment activity since the point of having the card is to rebuild my credit and use the card for X amount of time. Do better Open Sky.

by Dmtrcl

My mother put me onto open sky after I graduated high school to help build my credit. I use to have to navigate the website the old fashion way to check my account, manage payments, etc... but then they finally set up an app! It was fine when it first started, made everything way easier to keep track of. Recently though OpenSky has not been great. It’s like a game of Russian roulette, “will we be able to see our statement or will we get a blank white screen??” If they could just hire a better team to run OpenSky with updates to make sure the bugginess is at least minimum or fixed right away, then I would be a lot happier. Gave them two stars because I wanted to be generous since I’ve used the company for so long, but if there’s other options with better apps, don’t settle for open sky

by Rebol101

Lost my card, need a replacement. Doesn’t seem to be a way to do that on OpenSky . Went to the contact us section and it gave me an address to mail a letter??? It is 2021. Do not have a telephone icon next to your contact us button if I can’t call you. Mailing a letter?? Is it 1705 and I need to make sure Aunt May down in Louisiana has enough salt to make it thru winter? “My Dearest Abigail, it has been a lonesome few weeks, your word is all that keeps me going. I eagerly await The Open Sky mail carrier who comes once a month to get your sweet nothing’s into my heart”. I need a new card!

by The-exception

The reviews that talk about payment delays are accurate. Its absurd how long it takes to process a payment.

Also. WHY IS THERE A “CONTACT US” TAB WITH A PICTURE OF A PHONE, AND NO PHONE NUMBER???? I have to dig on a search engine to find the number, then calling and actually getting a person for YOUR issue is yet another challenge. Anything that isn’t paying them money is difficult to access. Then of course you can wait almost 2 weeks to receive a payment...makes no sense.

This could be a good company. They must update OpenSky and improve customer service! And customer service visibility...stop hiding!!!! 👩‍💻

by Livbierman

Our company recommends this company, so I wanted to try it myself. The pros and cons are about even. Pros is there is no credit check and it does help you build your credit. Cons is that OpenSky works most of the time but it has been a blank white screen for the past 3, so idk? And then I HATE the way payments are made. You make them on OpenSky but they aren’t processed for like 10 days. It literally doesn’t even draft it out of your account as pending for like 3-4 days. I’ve never seen an app that was for finances that seems so out of date. That’s the one thing I really hate. I want to pay my payment when I pay it on OpenSky not a week later. Definitely runs the risk of someone being late which would be quite controversial since it’s suppose to help build your credit. There just aren’t many functions on OpenSky. Since I’m already a couple months in I don’t want to switch companies because that defeats the purpose of the age of the account.

by Noahldavid

I’ve had this card for awhile now it’s not terrible just difficult to make payments and up your credit limit.

First, for payments always make them on Monday’s with this card cause it takes 5 days to process and reset your credit limit. If you do this on a Friday it will take 6 days for everything to clear.

Always keep your usage low cause they randomly send the credit bureaus and update monthly, under 10%.

When upping your credit limit it’s easier to call and wait on the phone than doing it on OpenSky !
Also very hard to send in money because you have to wire transfer money or a check not everyone has that! Wish that was easier to raise the limit by adding it to your statement.

But overall it’s not a terrible card! Just had its flaws and diffendly isn’t a Capital One Secured card or a Bank secured card. I would only use this card if you’ve been denied for other secured cards. They will approve anyone!!

by Smc_Dap

I just signed up for a card and not only does the website not load for me, but OpenSky doesn’t load as well. I’ve called customer service and spoke with a supervisor and she said they’d take care of the issue. It’s been a week at least since then.

I was able to access the website through my phone once after that but it no longer works. I’ve uninstalled and reinstalled OpenSky but it still doesn’t work. My phone is updated, tried different computers and browsers, all kinds of stuff. Nothing.

What’s up this app???

by Netta009

I just recently opened a card under them and within a few weeks my credit score jumped 31 points!! Can’t wait to see what it has in store for me when I pay my payments on time😁.. I never been happier!! As long as you keep a minimum balance and keep it low and you don’t use majority of the money on the card and just pay it back on time before your due date you’re good to go 😎

by TheDon111

This card has not helped in its primary function (Rebuilding Credit) - in-fact if used like a standard credit... you will waste so much of your hard earned money on fees one doesn’t notice upfront.

For example:
There is $3 monthly fee for paper statements, and here’s the kicker - there is ZERO option of going paperless within the open sky app.

This is a wide array of fees to set up this account (in addition to your initial deposit), which are not spelled out Clearly and only
found after you make your first deposit.

Additionally, good luck getting the money you put on this card back promptly - you will need to wait 6-8 WEEKS to obtain a check which takes 1 Business day to send.

If you plan on using this card - don’t spend on it more than 10% of your limit (if at all) and if you do- pay it off instantly otherwise you are going to get charged an outrageous fee (Interest) to use your own money.

There are FAR superior credit building options available right now and for much less costs (SELF) and or completely free (Chime Credit Builder Card).

As one who has used this card for 1 year now, I highly do not recommend this and I’d say don’t bother with this app unless they shift their business model to something (anything) consumer friendly. The $3 paper statement fee will irk you for months, I assure you.

Thanks for reading and may your decision be for your betterment of Credit!

by Tymbrandon

Open Sky owned by Capital Bank is one of the best credit rebuilding opportunities anyone can have.

Other banks that offer credit cards aren’t subject to approval due to many other financial factors, but open sky pros outweighs it’s cons as far as service quality and payment duration.

Getting approved by them is 100% guaranteed and i would definitely encourage young teens and adults from 18 through 24 to apply here before trying other banks.

I’ve been with this app for as long as i can remember and never have encountered any problems or issues with their product or services. There app is more than 200% responsive and simple to use, easy to navigate through and user friendly.

You guys have to give this an opportunity.

by Xaigaa

I was skeptical with all of the negative reviews for this app every where including on OpenSky but thankfully I’ve had zero issues and I’ve been using this credit card for almost a year (December 2021 makes 1 year) and I love it! It’s been helping be build up my credit a lot! and I make sure I make my payments at least a week in advanced so that it’s on time.

I can use my card any where and I make my payments with my checkings account with my ban just which was easy to do.

by InigoM

Had an account for over a year and a half now. Just raised my review to 5 stars from 4. In the past, it seemed to me that it took them a few days to post payments. No longer the case. Used OpenSky to make a payment yesterday and its available on the card today. Can’t ask for much better. I don’t recall ever having a problem with OpenSky . The process to increase your limit (get permission to send in more money to secure your credit line) feels a bit cumbersome and took 7-10 days all told, but that’s a relatively rare occasion and not a big deal. EXCELLENT card to work on, establish credit.

by 1Z54V84a

This card is the easiest credit card I have ever got approved for and I didn’t even have the money to fund my credit limit and still got approve in 30 second right after I submitted my application. I set my limit at $200 but will be finding it to $3000 and more if I can. I recommend this credit card to everyone. My kids will be getting their cards soon. I love this card. For the ones who have never dealt with credit before please understand credit and how it works before you apply for any card. Customer service is easy to deal with jus program the numbers in your phone. 😎 so for the most part this card is a 10 on a 1-10 scale.

by Adeapples

Open sky helped me build my credit so good I got several requests from different credit companies but I rejected them till I finally got the best company that gave a huge amount with no deposit... now my credit score is going excellent. thank you open sky. My advice for everyone new to credit card is spend only 30% on your credit-card and pay it off consecutively for 6 months and watch how your credit racks up. For those with bad credit use OpenSky follow my Advice it works meanwhile put your debts on monthly payments till it all get paid off. My gf credit was so low but now she thinks am an angel that help her build her credit back up with just advice and encouragement. While she paid off her debt without stress . Good luck

by Eric12345387-anyon

OpenSky is Broken. When I enter my correct login credentials it don't log me in and furthermore, I am now locked out of my account due to this glitch. There customer service is crappy because it makes you go through a menu that probably doesn't have your issue in it. It seems like this company made an up front investment in its information technology about ten years ago and don't do much to maintain it. The result is a broken system and upset customers.

by Milo RC

This company is apparently stuck in the 1980s. The only way to make payment is via ACH. Which would be fine, except for some unknown reason, this app rejects the payment from the bank even though the bank authorized the transaction. They do not accept payment via card or check. If they reject payment on ACH twice, you can no longer use that account for payments and your only alternative is money order. Meanwhile they are negatively reporting to the bureaus. Save yourself the heartache and use First Premier or a more reputable company.

by 404BENZITO

You’re required to activate your card with OpenSky. You activate your card, but you haven’t really activated it. You don’t know that until you get declined on your first purchase. They automatically charge you $3/mo paper statement fee. You have to contact them directly to go paperless. App has an option but won’t actually change that option. Don’t even try to make a payment over the phone unless you expect to pay a ridiculous fee. I was told to close account would take at least 30 days. Feeling set up for failure. Thanks OPENSKYCC! 🤬

by Askeptic

I applied for an account March 9th and deposited $300. I have received a single email receipt but nothing else since. I am unable to sign in and apparently the only way to contact this company is by regular mail despite their very efficient website that could process my credit card payment within minutes yet somehow they can’t maintain an email account for customer service? That alone is extremely suspicious and combined with their failure to do anything other than take $300 from me will force me to conclude I have been a victim of wire fraud if I am not contacted by a representative within 48 hrs. After that I will begin filing complaints with all state and federal authorities.

by Duigeijdy

WATCH OUT!!! Just because the default payment account gets changed doesn’t mean it won’t switch to that take money from the new account! They will still pull from previous set account- you have to change the settings in multiple places. They’ve cost me HUNDREDS in bank fees because of this setup using my old account when I set up a new default! Now they are claiming my account is OVERDUE, after they took my monthly payment days ago. They are ruining my credit. I will be paying entire credit card off and closing this account while reporting them to BBB. The ONLY way to contact them is to write a letter in the mail- no email or phone number.

by Ansauder

App is great but only when it works. Half the time when I pull it up it has just a blank white screen. I’ve tried uninstalling and redownloading and it never seems to change. I like the convenience of using an app to pay my bill each month but lately it’s been more of a hassle as I have to log on through a computer instead due to the issues.

by CaribbeanKing365

OpenSky is long overdue. Which is why I expected quality and that’s exactly what I got! It looks like time and effort was taken when developing OpenSky . It’s not like some apps that just gives you a web version. There’s also Touch ID capabilities which is great. You can basically do most things in OpenSky without being directed to a web browser. Great job this app!

by J_M_

Love the new app! It was somewhat of a hassle logging in through browser and having to answer security questions EVERY SINGLE TIME! Now all I have to do is look at my iPhone X and bam, logged in!
I’ve also noticed that I check on my account more often by having OpenSky. That’s a good thing. Helps one stay on top of things.
Love being able to make a payment through app also! Thanks! 👌🏼

by Pablorey

I don’t do this often because just no. But OpenSky is absolutely worth taking the time to review. If you have this card, use OpenSky. If you don’t have this card, get it so you can use OpenSky . It’s set up is so simple and absolutely perfect for what you need to do. Please don’t ever update or change OpenSky. You literally hit the bullseye right out the gate.

by Thesebastardsstolemy Money

Got my card in 5 days and they mailed it on a Saturday! Earlier than the 7-10 business data I was expecting. Also they allow 50% for cash advances as my other secured card only allow 1-3% as cash advance. 👍 nice! Looking forward to Re-establishing my credit with this card .

by Ed310

Just like the other post I have had open sky for about 5 months and have hated the online login. This seriously makes everything easier from payment to checking the balance. Overall looks and works amazing so please developers don’t mess it up OpenSky is A1🔥

by LoboDJ21

Been waiting for this since over gotten the card. So much easier to navigate through than to save a bookmark to your home page that opens up a new page every time you click on it. Great Job Guys! 👍🏾

by Burleson23

OpenSky pulled checking account information from a check that was deposited that wasn’t mine, made a payment from someone else’s checking and has caused fraudulent activity on both accounts.

by Istvanfeldman

You can do everything you can on the standard site on OpenSky . You can also use Face ID, so logging on is much quicker. It runs faster than the desktop version for me.