OpenSky® Secured Visa® Credit Card

Reviewing this card is fairly straightforward. OPENING AN ACCOUNT: Very simple. No major issues. USING THE ACCOUNT: No major issues. The biggest issue I saw is that it's harder than it needs to be to just increase the limit. It's a SECURED card. This is a matter of depositing funds into a checking account. You should not have to 'request approval' to give cash to someone. It's silly. CLOSING THE ACCOUNT: Nightmare, because (A) you can't do it online and (B) it's extremely difficult to get to a rep. It's doable, but you need to trick their IVR. First, after it validates you, press '1' for account info, then keep pressing '0'. When I say "keep pressing" - you're going to be pressing it a LOT before it actually gives up and transfers you. This was on a Saturday, so I don't know if it's any different during the week. Then the hold times are extremely high. Your only other option is to mail them correspondence - which of course takes days to complete. Once you do get to a rep, the actual close process took seconds. He asked the reason (too many hoops to increase the limit), then clicked a thing and it was done. Quickly hung up on me, which is fine, as long as it's closed. No retention, nothing. Which again, I'm fine with. It is true that your credit is temporarily impacted because (A) your age of accounts is affected and (B) your total credit limit across accounts goes down a bit, but I have another card that's well over this limit and am not worried about this one. It's a temporary hit worth doing because this card doesn't do me any good.

I have the Open Sky Secured Visa card. I opened my account with $3000 initial deposit and use it to pay bills then pay it off twice a month to avoid paying much in interest charges . 2 Months after opening I was able to request a credit line increase to $5000. Of course I had to pay the 5k security deposit out of pocket but my credit score increased increased by almost 60 points in a period of 2 months as a result. I'm rebuilding my credit after several years of bad luck and bad decisions and Open Sky has helped me get things back in order. Happy to report that I was finally approved for a Citi Unsecured card recently where I would have never been before had it not been for the Open Sky Secured Card. Sounds like a sales pitch I know. I don't work for Open Sky but I stand behind their product. I've had no problems whatsoever with customer service.

You should only use this if you are desperate. There is no way to speak to ANYONE, NO customer service. It is all automated. You cannot argue about anything they do. For example I paid on tve first but the cycle ended on tve 6th so even though I had paid in full and only used it a minimal amount after that by the due date later that same month they called me delinquent. Don’t pay early or you WRECK your credit. No live person to discuss. Impossible.

In the beginning they were ok, then when I asked to close this account and what were the steps to take. They made sure That I couldnt catch up on the added fees and when I called them back to ask for a explanation of the charges and fees, I was basically snubbed. Then, my account was reported as late, then ultimately now charged off!! I had to file a dispute just to get the accurate amount to be reported?? I am confused, a card that once seemed to want to help you rebuild your scores, turned a complete 180 when you decide to end your debt. I am just wondering how can they get away with such practices? Is this because they are the reporters? and I am the little individual who's word was not valid. Thank God I had my final statement to prove Opensky aka Capital bank did not report my true balance. If I had not kept that, i would be looking at a double bill that i never owed...

I've had this card for about 5 months and I have seen my credit scores increase over 100 points in that time. In addition bto this card I suggest anyone with credit issues to pay off your collections, open a self lender secured CD loan, open a few secured credit cards and watch your credit score increase with responsible use.

OpenSky helped re-establish credit immediately after my bankruptcy. I started with $200 deposit, used the card sparingly for two months, paying balance each month to avoid interest fees. Credit score increased, allowing me to qualify for other non-annual fee cards. Closed the card and requested refund of my $200 and received it, no problems. Be sure to read all requirements carefully regarding payments. Also, a little hint. When going to cancel the card, there is no option for that on the phone, so chose "lost/stolen card" option. The customer service rep that answers can help with cancelling the card.

I would not recommend open sky! I mailed a payment, on time, open sky held that payment for 3 weeks! Don’t waste your time! I tried calling customer service, they were no help. Open sky even assessed a late fee?

I was able to increase my credit score with an OpenSky credit card as part of the process. It is a great card for rebuilding your credit! As long as you keep your purchases low and paid off each month.

The first thing I want to say is that as I was in a very bad credit situation I understood that I could not wine about the limited credit line, interest rate, fees etc that this or any card for people like me offered. I am the one ultimately responsible for my position and I felt very fortunate that OpenSky gave me any chance to start to fix my credit. OpenSky has been fair and upfront about this card and in a very short time it has contributed to raising my score. To those out there who also are in a bad credit rating position, realize there is no quick fix but this card and other programs are what HAS TO BE DONE in the short term to get back on track. OpenSky has helped and for that I am grateful. Remember, if you want to dance, you gotta pay the piper.

I got the Open Sky Secured credit card in December & here it is June. My credit score has went up more than 60 points!! Great card for rebuilding credit or even establishing credit. I would definitely recommend this card to my family and friends.

Opensky wanted me to give a review so here goes , this company says congrats for my score increase im in the high 700's now but i cant give them credit for my hard work. I mean i asked for an increase on credit in order to help protect against my credit usage which helps my credit score right i mean thanks for the 300 dollar card but i was recently denied by opensky for a credit limit increase which again help my credit score so no thanks too you guys at opensky for my current rise in score but anyway i was told better luck next year by opensky....l.m.a.o

This is a great card to help start or rebuild your credit. Yes, you might have to pay a security deposit, but it's worth it in the end. My score has gone up over 100 points since having this card. I've also been able to establish credit history. The interest rate is a bit high, but if you pay off you balance you should be good. Great card!

This is the correct card is you have no history or bad credit score since they no check your credit at all. They only need to verify your identity. If you work smart with them, you will see a score increase sooner.

I am very grateful to have the OpenSky Secured Visa. It was my first step in the right direction. It reports my payments to the credit bureaus allowing me to begin to create a positive payment history for myself. This is such a great tool if you're trying to rebuild credit worthiness. I have to admit I love having a great credit score and having major companies seek me out with credit card offers. That's an amazing feeling. I have recommended this card to others. If you want to rebuild your credit it isn't too late and you are definitely worth it! Good Vibes and Great Scores!!!

I love this card.. .my credit has went up almost 100pts and I havent had it a full year yet. If you figure out your formula u got it and just pay your balance on time or b4 time and i would also pay full balance if i can, not just the minimum. Also monitor your credit and put small revolving accounts on this card to have a constant card usage reflecting helps build credit. I have my spotify, netflix and other minor membership accounts paid for on this card monthly. This really helped me.

Hi OpenSky I want to thank you for the opportunity to build my credit score. I’m very happy with my results, I give OpenSky 5 star because, not only did my score up but I now have a credit card to pay bills and get the things I would like have. Thank you OpenSky for everything. L.G.

Do not open a credit card with Open Sky because their interest rate is over 20% and you will never get your deposit back and they will never increase your credit line. When you finally have to close the account to get your $200 back your score will drop more than it ever went up. (Hint: your credit score will go down when you close credit card accounts .) Go to Discover and open a secured credit card with them. You’ll get your $200 back within a year and they will raise your credit line to $2000.

I applied for this card because I needed to rebuild my credit. Always made on time payments and saw my score improving after 6 months. I had to put two hundred into it but that also helps you to not overextend yourself as well. Thanks

It’s bad reviews like the ones I’m reading that almost caused me to not apply for this card. But listen, if your looking for a good starter card to help build credit, then I’m telling you now this is the one! I’ve built my credit pretty damn high thanks to open sky. Thanks to opensky since opening my credit has went up giving me the opportunity to get more credit cards.Apartment lease approval as well as an auto loan! It began with open sky!

I made a payment 7 days ago and it has yet to post! The Opensky app shows the last payment amount and nothing has posted. The funny thing is when I made the payment they deducted the money from my account the very next day. I am thankful for the card however I recently received my Citi secured card and I will use that card moving forward. I will keep the Opensky card for a couple of years then close it. I definitely only use it once a month and pay it off the next day. #OpenSky Get your payments to Post faster!

PLEASE PLEASE DONT GET THIS CARD ITS A RIP-OFF LISTEN ITS YOUR OWN $ you should have to paid any late fees for your shit. They will never contact u and tell u the payment wasn’t acceptable they will make it pass your due date then charge you like $124. 00 plus your payment that’s due.smfh then my credit score suffered ALOT. listen they make $from last fees that they causes by not informing you of your payment status. DONT GET DONT GET YOU CAN GET BETTER

I mean it's been good for what I needed, but the fee's were INSANELY high and when I was ready to cancel there was NOTHING on the website, nor could I reach a real person on the phone. Just another endless circle of useless information. My suggestion - avoid them!

Great starter card to build credit. I got my card in October with $200 down and a credit score of 530 and it's has gone up over 100 points already!!! I have never had any problems. If you make your payment on time every morning month it's rewarding. Opensky reports to your credit report once a month..

I love OpenSky! My credit score has jumped tremendously and couldn’t be more happier!! I’ll keep this card a little longer and hopefully raise my score even more! Keep the utilization low and pay on time is the key! Hopefully I’ll get a credit increase soon and be even more happier!!

This is a good credit building card. I did lots of research after bankruptcy to find a card with fees I could live with and that did not want a fortune in high interest or yearly fees. Open sky was reasonable for a secured cared and I was able to build my credit rather quickly. I have had the card for almost a year now and it has proved to deliver as promised. I can not comment on what it takes to get your credit limit increased or how difficult it may be to close account and get your money back as I have not yet attempted those things. All in all it is as depicted.

Not only did Open Sky raise my credit score faster than other credit cards but it gives me more points. I figures it was like any other card but it is better. I appreciate Open Sky approving me in my time of need when other did'nt. If you need or want credit score success like me and so many others, choose Open Sky and have a blessed day. ....G.Erwin

Like many of their users, OpenSky helped me build my credit by giving me a chance. When no other credit card company would, OpenSky trusted me. By trusting them, I am now moving to a house because they have helped me increase my credit score.

So if you open the card with a $200 deposit is there a way that you can increase your deposit after a few months or so? If so how would you go about processing something like that? And you guys should really think about lowering the character amount for this questions

Very good Secured credit card to start out with. When no one else would approve me not even for a secured credit card Open Sky did. Don’t hesitate, start your new journey to excellent credit. You won’t regret it !

Very good Secured credit card to start out with. When no one else would approve me not even for a secured credit card Open Sky did. Don’t hesitate, start your new journey to excellent credit. You won’t regret it !

Credit card has been amazing to me! My credit score was very low at 523 and was sitting at the score for a couple of years until I found open sky secure credit card I honestly didn’t know what to expect and after 11 months my credit went from 523 to 676!

Before I applied to OpenSky I had no credit history or even a credit score. In a matter of a few months ( 3 literally) my credit score was almost 700. I've had this card almost a year now and my credit score is 710. I am very pleased with their overall service. It's also easy to increase your limit just a simple phone call. I would recommend this card to anyone.

I love Open Sky. They were my first card when I needed to repair my credit a few years back. I made a $200 deposit and charged my Netflix account every month then paid in full. It reported as a regular credit card. I just closed my account and customer service was very friendly. I will be getting my deposit back within 30 days as I now have high limit cards through several major banks. Open Sky served its purpose well for me and I am very grateful.

My bank sends payments by mail. Anytime the payment arrives close to due date, they claim it arrived a week too late and slam me with a fee. Can't do anything about it, although my bank assures me it was sent on time, it was deducted on the expected arrival date, other bill payments made it when they were supposed to... OpenSky claims payment late, late fee applied, interest applied - on an account paid in full. I've used the card once or twice last year, and the fees they've charged me exceed the purchase amounts by far. Ridiculous. Customer service is absolutely useless, they won't listen, just keep reading your account statement like you haven't seen it yourself and repeating a rehearsed spiel. It's extortion. I'm closing the card, don't care what it does to my credit.

I'm a fan of open sky they have done me right since the start. I tried to get a loan in 2016 and found mr score was a 401. So I applied for this card and paid faithfully on it and I bought a new house in Sept of 18. It helped me go from a 401 to a 675 in 21 mo. I've never had the problems with customer service I hear about.

Love OpenSky! Went from a 500 credit score to a 715 score in less than a year. Didn't think that was possible, but here I am jet-lagged from being back from our one-week vacation in Honolulu, Hawaii. Lol.

Payment processing is honestly horrible. I've had them issue payment reversals twice. Twice may not seem significant, however, it is because they report to the credit bureaus monthly. Yes, the money has been available. It seems as if they reverse the payments to charge you. I literally just finished talking to customer service with a couple thousand in my account trying to find out how my payment wasn't accepted. My credit limit is $200 on the card. If your credit needs help, don't let Opensky hurt you. It's trash. This is a sincere and honest review.

so far, I’m loving this card! I opened it because, I had NO credit history. It’s been almost 5 months, and I have not had any problems with this card. Transactions are quickly processed, and payments are quickly processed. My credit score is doing well. I’ve never missed a payment. I always pay in full. I always only use 9% of my card each month to increase my credit score.

Worst customer service I've ever dealt with. No one cares at all and they're all rude. Do yourself a favor and use a different card. Dont want your time with these people. ......................................

I was very skeptical going with Opensky after reading a lot of unpleasant reviews, but i decided to give them a chance. I got approved and sent my deposit via wire transfer through my bank. They received my deposit the very next day. I received an email that my new credit card was on the way and I got it in the mail about 3/4 days later. I’ve been a cardholder since September 2018. The only thing I don’t like is when you make a payment your credit isn’t available for 5 days. Other than that so far so good!