A good card for rebuilding my credit. I started with a $300 deposit and several months later they upped my limit to $400 without me asking and without an additional deposit. Very good points for this card! However; if you’re on autopay each month beware! I made a manual payment this month over 2 weeks early on what would have been due on this month’s auto payment. The balance remaining wasn’t due until next month’s autopay date. But they went ahead on the 19th and took an autopay which didn’t clear my bank because I wasn’t expecting them take anything for a payment I already paid….and then charged me a $25 return check fee. I called customer service and was told they simply aren’t setup to reverse the fee. It doesn’t pay to make a payment early here because it’s going to cost you a lot more money in the long run. As for the app and all the users here having issues with this, it’s always worked fine for me. Maybe it’s different for various phone models, I’m iOS but it should be working well for everyone. I’d say bad app developers. And yeah, no phone number is on the app. I had to do a Google search to find one. Overall I’m not happy about being ripped off for a $25 check fee when I made my full payment due over 2 weeks early.

Lots of negative reviews, however.. IF you use the card responsibly and manage your account as you should, you’ll have zero issues. I was not responsible in my 20s and thus tanked my credit. Obviously that’s why I ended up with OpenSky’s secured credit card. Now, because of MY mismanagement of MY own finances, it took my 9 months to get into the position I am in now, “graduating” to the OpenSky Gold (unsecured) Credit Card. You have to manage your responsibilities to see good results. I keep all 6 of my credit cards at 2% utilization before my STATEMENT CLOSING DATE. Ensure I pay my AMOUNT DUE before my due date, and boom, my credit climbs. Read the details before you get the card to make sure you understand and are okay with the fees. It didn’t take days to mess up your credit, it won’t take days to fix it. Educate yourself and be vigilant. OpenSky’s a good company to help establish credit growth IF, YOU MANAGE YOUR FINANCES CORRECTLY. Best of luck, God bless.

I was VERY loyal to this company, I kept my secured card for years, I even submitted into a marketing contest “bragging” about the card and WON. I got several hundred views while it was posted and won, and give them lots of publicity! Well since I had the Gold card and the Secured card, they charged me with annual fees (super expensive) and they charged them at separate times of the year. And since I didn’t use the card, I wasn’t checking it every month to pay it off. They had charged me with an annual fee in January, and in April when I checked it, they had already upped it to almost $200 in fees. I paid it off immediately. They did not let me know the annual fee was coming in anyway whatsoever. But I paid it off anyway. And when I contacted them, all was good. Now I have a negative mark on my credit from this exact thing. I wrote them to discuss the issue about how they’re severely hurting my credit over an annual fee that was charged at different times on both accounts, I was not informed it was happening, and the cherry on top was how much I helped their marketing, and they DENIED me, seeing as I didn’t use the card and neglect it and that it was a simple mistake, they are LEAVING the negative mark on my account for YEARS to come simply because I wasn’t aware of the annual charge for 3 months. DO NOT USE THEM. WORST COMPANY EVER.

This is a terrible terrible credit card please everyone reading this review don’t get this card! I understand if you have bad credit this might be the only card you can get but please look else where. On accident I paid the amount that I owed twice I noticed this immediately and called to cancel the extra payment. They told me they couldn’t cancel and I’ll have to wait for it to be returned to my card. Fine not a big deal so the money was returned about 2 weeks later. Everything was fine went to use it a few days ago and it says the accounts frozen. Call to see why and they tell me I have a 25 dollar return check fee. So why am I being charged when there was no payments returned except my own!? I call them to tell them I would like to pay the amount I owe and cancel the card and after a 35 min wait on hold being transferred from person to person I get this women who was extremely rude and was laughing at me on the phone. I tried to give her my debit card info and she told me I can’t use a debit card to pay the fee which makes no sense because I made regular payments with my debit card so I give her the account and routing number of my bank and then she laughs and says I can’t use that account because the payment was returned to that account. Now at this point she’s making me really mad from the fact she thinks it’s funny that this is all happening to me so finally I ask her how she wants me to make this payment considering I only have ONE bank account and she tells me I have to send in a money order. Whatever I’ll do it just so I can cancel this card and get my deposit back. As I said the customer service is terrible and I would give this card a million zeros if I could!!