OpenSky Reviews

Constant log in issues, always gotta wait for you guys to send an email that doesn’t work, plus I never got an answer about looking to improve my credit limit

Date of experience: May 10, 2023

Scammers!!!! They want a deposit so your account is secured. Then they keep asking money over the deposit. Impossible to communicate with them. Nothing works on their site except how to send money. Hidden fees at every step. Stay away.

Date of experience: June 30, 2023

i used my only checking account that has overdraft protection which means the money still comes out regardless if i have it and the last time i tried paying it got returned so they disable my bank and then gave me no other option of paying so i had to close my account with a balance of $65.00 owed after taking my $250.00 deposit so then i check today because i was told that there will be additional payment options once i see my account is closed - lie there is not - but instead i saw now my total is $115.00 versus the 65 i owed yesterday and so i called to try to pay it and was told no i would need a new bank account - i do not recommend this credit company they also charge $5.00 per transaction made which i didnt notice till i looked closely at my posted transactions

Date of experience: June 26, 2023

Stay Away!!!!
It's impossible to build a credit score with them. They rip you off of your deposit asking undue payments and hidden fees.

Date of experience: June 15, 2023

I joined open sky through Credit Karma as a recommendation for a secured card to work on my credit. I used it for lass then a year made my payments on time and only utilized 30% of the credit. It had helped raise my credit score over 150 points. I was offered a credit limit increase WITHOUT asking ! The secured credit card opened more doors for credit card offers. I have just recently been offered the gold card as an actual credit card. I started off with the secured card now I have 3 credit cards with 3-4 credit limit increases without asking. Follow the guidelines, make your payments on time and watch your credit grow and become more healthy! Starting my credit repair process with Open Sky was the best decision I’ve ever made ! Seriously as a single mother of two it makes a difference

Date of experience: May 10, 2023

1. This company can expand its options in the mobile app. 2. Offer credit increases through the mobile app and website. 3. Create a welcoming app that engages customers. 4. Teach customers about their consumer rights and options as a fun fact of the day on the app. For instance, "Did you know consumers are more likely to..." 5. Teach consumers credit strategies.

Date of experience: June 19, 2023

The app is easy to navigate. I received a higher line of credit without request..which I really appreciate. I’m happy with my experience with OpenSky. Iv had no issues with posting payments. The only critique I have is that it takes so long for my payment to post to my account. 5-7 days is a bit long in my opinion. Otherwise, great service!

Kind regards, Tasha

Date of experience: May 10, 2023

My experience with OpenSky has been great. I have never had the need to contact customer support, the website has covered anything I have ever needed to do. Their service has helped boost my credit score from horrible to good. I recommend using their automatic monthly payment in case you forget your bill. Also, after about a year they issued to me a unsecured card. I 100% recommend OpenSky.

Date of experience: May 10, 2023

My husband and I were in a financial hardship. We had to pay everything in cash--very inconvenient. We needed a credit card to help rebuild our credit. We both applied for individual OpenSky secure credit cards.

OpenSky gave us a second chance!! We had our cards for over 4 years. We've been periodically approved for increases (with no money down). In fact, I was recently approved for an unsecured [Gold] OpenSky Visa as a result of on-time payments and low credit card balances.

OpenSky, "THANK YOU" for giving us a second chance! I highly recommend OpenSky CC for individuals who desire to rebuild their credit and/or desire a CC as a backup for those unexpected circumstances or emergencies when cash is limited.

Date of experience: May 08, 2023

No particular date of experience. I had credit mishaps due to divorce and situations leading to it. They were there when no one else was going to extend me credit. Got a secured one, fixing my credit, haven't had any issues with them. They increase the limit after a few years (<3) paying timely, spending only a little.
They offered a regular card with a higher limit recently don't even have to take it, but it's a nice option if you want to grow your overall available credit.

Date of experience: May 10, 2023

It took less than 10 days for me to receive my card!! Updates were posted to my credit reports in less than 2 months!! This was an awesome benefit toward my first home purchase since I was able to get a better interest rate before closing with a 655 median score compared to the 585 I initially started out with!!

Date of experience: May 10, 2023

This is a great company to go through for a secured card, if you need to build or rebuild your credit. They report to all 3 bureaus, and in 2 years, it helped raise my credit score over 200 points! I've been referring my coworkers, who are just starting to think about their credit score and realizing they need to raise it; to this company

Date of experience: May 10, 2023

Open Sky is an excellent Credit Card company to deal with. I appreciate the fact that Customer Service is always available and very helpful. After paying my bill on time for a short period, I received an increase in order to build my credit score. Open Sky is a great card to use for building credit.

Date of experience: May 10, 2023

Great service good interphase and very easy to use... quite efficient.

Date of experience: June 15, 2023

Great card for building or rebuilding credit. My husband and I both have this credit card. In the past year our credit scores have gone from the low 500s to mid to high 600s and still rising. Low utilization along with making on-time payments got us credit increases. We definitely recommend this card

Date of experience: May 10, 2023

I needed to build my credit and Open Sky offered me a secured card. The credit limit was low but it was a start. Because I've paid on time after some time I was offered an unsecured card with a higher credit limit. So far so good.

Date of experience: June 14, 2023

My experience was open sky was simply awesome they helped me to build my credit and was very helpful any time I had questions. I now have several larger credit cards but i'm going to stay with them Because they were there when I needed them.

Date of experience: May 10, 2023

Great company! Had poor credit when I got this card. Because of this opportunity I have now been able to raise my score to just at the excellent level! I was also to get a 2 year secured loan after 6 months of using this card & building my credit! In a few months that will be paid off & I can finally achieve my dream of getting pre-approved for a home loan! Thank you Open Sky for giving me an opportunity!

Date of experience: May 19, 2023

Open sky was there for me when I needed to get my credit going and as long as you pay the minimum amount due you are good however it is always good to pay more so your credit can get a kick start. I have learned many things about credit and now I am staying on this road it feels very good

Date of experience: May 10, 2023

Helpful clear and user friendly interface and app setup.
Secured card aided in raising Credit Score for users low or bad ratings.

Date of experience: May 10, 2023