OpenSky® Mobile 4+

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.

I just began my relationship with Open Sky and the app 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.

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.