I had an account with OpenSkyCC.com with a small credit limit - every time I turned around, they were charging me extra fees - I disputed a charge and lost - the charge was returned to my account which was fine except I wasn't aware they had done this - within a very short time, they notified the credit bureaus I didn't make a payment and was overdue! I called Open Sky but they didn't seem to give a s___! I wasn't surprised! I rate them a 2 on a 1 - 5 scale!
Date of experience : September 09, 2024
4 days agoA few years ago I was looking to buy a house but realized first that I needed to improve my credit scores. Credit Karma recommended a few different cards and I chose the OpenSky card because of the flexibility it provided in matching my situation. After making regular monthly payments on my charges I was quite pleased to see my credit scores start to rise.
Date of experience : August 28, 2024
3 days agoI’ve had an OpenSky account for a few years now. My experience has been great. I’ve gotten an increase on my unsecured credit card and after successfully managing that for a while, I was offered a secured credit card with them. I don’t have any problems with my account or billing. Their customer service is awesome. I would highly recommend them on your journey to building credit!
Date of experience : August 28, 2024
3 days agoI love the ease of payment,never had an issue using this card, and it has helped me build my credit up in just 2years it has improved greatly.Would recommend, just be in the know when the annual fee comes out, the only thing that would make it better is a month prior heads up on that, other than that it's all good.
Date of experience : August 28, 2024
4 days agoI was advised by financial counselors to apply to Open Sky to obtain a secured credit card to help me improve my credit score. I was given a line of credit of $200 initially. I’ve had the card for about six months, have paid my balance on a monthly basis, often paying more than the minimum due. Open Sky recently offered their Gold card with a line of credit of $800. I was able to raise my credit score to over 600 from my low of 400.
Date of experience : March 01, 2024
4 days agoMy request was handled very poorly, numerous times have called about the amount being charged late fees, kept telling me I did not make a payment, I did, but you took the money off the wrong account, as a result my credit score fell down by 32 points because open sky reported the late payment.So much for opening a credit card to improve my credit, bed service
Date of experience : August 28, 2024
3 days agoWell, I like the fact that when I have a concerned the customer service are very helpful. When I travel out of the country OpenSky is available to resolve issues. I like the way I was able to build my credit and save money. Although, I would like to be able to get rewards with my OpenSky card, and other perks on travel, like clear and TSA. I would like to move into a regular credit OpenSky card, and transfer the longevity of years from this card into a new unsecured card. I’ve been a customer for several year’s now and I would like to continue with the OpenSky services. Thank you for all your support and help. Very much appreciated.
Date of experience : August 28, 2024
4 days agoOpenSky credit card is very helpful for rebuilding credit, while being able to buy the things you like. They are a reasonable when it comes to charging interest and are more in tune with helping their customers succeed financially.
Date of experience : August 28, 2024
5 days agoOpenSky provided me the opportunity to rebuild my credit. After me showing consistency with my payments they have now offered me an unsecured card. I am happy to report that my credit score went from poor to good. Now I'm working toward excellent!
Date of experience : August 28, 2024
Updated 5 days agoI have not had any issues with this card servicing company. Pretty decent card overall to assist with building credit. Had my boyfriend open one to build his credit too. The only thing I do not like is that they don't really increase your credit line, they said you have to add your own additional money in order to increase it. However it may occur depending on how you handle the card seeing that my boyfriend's had his credit line increased two times and I've had my card longer than him and have only had it increased once. Also an unsecured card option would have been nice.
Update: just received an email with an offer for an unsecured card so I may have to inquire.
Date of experience : August 25, 2024
3 days agoI’ve been with OpenSky since 2018. I haven’t had to call them much over the years but whenever I do I receive satisfactory customer care. Their agents are pretty knowledgeable about their products. Great starter card company.
Date of experience : August 28, 2024
5 days agoI have a great payment history with Opensky, never had a problem using my card anywhere. Opensky should automatically increase my credit limit to 5000.00 like the rest of my credit cards have done. Thank you so much for a hassle-free experience each time I use your card.
Date of experience : August 28, 2024
5 days agoAfter my bankruptcy filing no credit card institution would offer me a credit card, be it secured or unsecured. OpenSky gave me the opportunity to build my credit once again and I am so delighted that I am an a path of doing just that. Thanks to open sky for not closing their doors on me.
Date of experience : August 28, 2024
5 days agoI have had this credit card for 4 years now. I ha r never had a bad experience with them. I started off with a secured deposit credit limit. Now my credit limit has been raised to almost doubled. This card has really helped my credit score. Just keep the balance to less than 30% and make sure to make the payments on time. I signed up for the auto draft for the minimum payment that way if I ever forget a payment is still made.
Date of experience : August 28, 2024
5 days agoI have only had to call customer service one since I had the opensky card. The experience was great, I was trying to confirm and email I received and the agent was very helpful, she was able to answer all my questions, and give me a more information that I had not through to asked about. I have enjoyed have my open sky card and look forward to my Gold card.
Date of experience : September 04, 2024
5 days agoSecured credit cards are for a reason. to improve your credit. However, the only way to get your deposit back is to close the card..which negatively impacts your credit. Held deposit for years and an annual fee. Stupid choice I made.
Date of experience : August 28, 2024
3 days agoI have been a customer for quite a few years. Open Sky gave me a chance to rebuild my credit when nobody else would. Now I am managing five cards with no problem. I will stay with open Sky throughout my journey.
Date of experience : August 28, 2024
5 days agoGreat card if you are starting your credit journey or trying to fix your credit. Just make sure you pay attention that they do have an annual fee. Not a long term card as again there is an annual fee.
Date of experience : August 28, 2024
5 days agoI couldn't use my card it was declined mutiable time and I called and they said I had to change my address and we did that and they said it was fixed and I could use it now. And I tried to run it last night and it still declining and I called and they said no one can help me for two hours this is a bunch of bull crap
Date of experience : August 28, 2024
5 days agoOpenSky was instrumental in helping me rebuild my credit after a divorce that caused a bankruptcy. My credit score is now over 800 on all 3 bureaus and I'm grateful for OpenSky's contribution in making that happen!
Date of experience : August 28, 2024
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Information written by the company
At OpenSky, we want to help every person access credit, by providing opportunities to build, re-build or strengthen their credit. Our goal is to provide the necessary tools people need to be the authors of their own stories – now and in the future. Begin your journey to financial wellness today!
• No credit checks to apply
• No credit risk to apply
• Reports to all three credit bureaus
• Credit line increases
• Consideration for an unsecured credit card
• Monitor your monthly FICO score
