When I started rebuilding I had a 460 credit score now a year later i have finally reach 640. Open sky is a great card for people who need to rebuild there credit it really helped me when I had pretty much nowhere else to get accepted for a card!

My experience with this company has been terrible. They don't report information correctly to the credit bureaus. I had to dispute information on my report while I still had an account with Opensky for it to be removed. I repeat it was removed so that proves Opensky could not provide proof of there claims they placed on my report. I spoke with a representative and was told my account had been closed days after the date I made my dispute. Supposedly my account was now closed due to non payment for 120 days. I had her review the payments and she could see I had made payments. I NEVER went 120 days without payment. I was then told my account was closed due to unpaid late fees of $38 per month on months I had made payments. This $38 fee had never been mentioned prior and I was totally unaware of it. Honestly they made a mistake and my account was closed for total made up BS. So after all this I was told my account is in good standing I owe nothing and the account has just been closed out. I cannot tell you enough to stay away. It helped my credit at first but once there system made an error they were very unwilling to fix it or be helpful. Account closed and made up reasons to account for the bs.

Been over 3 months never got my card must been a scam

This card served a purpose. It was the first card I got when repairing my credit. It reports to the 3 main bureaus. But there are no rewards, no opportunity to "graduate" from a secured card to an unsecured card for the deposit back, and the annual fee of $35 makes the card not worth keeping.

I am working on rebuilding my credit and I used credit pre qualification tool (they allow you to apply with hard inquiry) if approved you can accept the card. I had a 536 Equifax credit score and I am ecstatic to have it. so it really pays for itself. If anyone need this now with this help of this great diplomatic programmer a/n/n/w/a/t/@/g/m/a/i/l. I was able to get 790 to 802 in my credit scores on the three bureaus.

I signed up for this card, put a $200 deposit down and then never heard from them again. I called and called and they gave me the run around saying the money will be returned until they started saying that since it’s been past two months I won’t get it back since they don’t have a record I ever applied or gave them money. I have the documents, the receipt number and everything. Never even got an email saying I got approved or denied and never got my deposit back. Thieves.

Please do not get this card. Your card will get locked on a regular basis and there is no actual person to call to talk to.

I am a customer of 3 years! This year has been horrible! I am getting high INTEREST fees, LATE FEES on holidays , REVERSAL FEES after making early payments ! THEIR CUSTOMER SERVICE LINE is a joke all they will tell you is we are not allowed we cannot we won’t, THEY MAKE PROMISES on recorded lines and THEN DO NOT HONOR PROMISE. 0 stars they HURT YOUR CREDIT IF ANYTHING . I suggest chime credit card.

I applied on September and give a doposit of 1000 dollars they did not proses my card till the end of September and it was a long wait to get the credit card that I end it up closing my account due to not having a card they drop 90 points on my credit report I requested my deposit on October 6 and till now I haven’t received my check is already November 6 and nothing this was a waist of time and a simple joke I don’t eeven know if I’m gonna get my money back at this point

I had made the deposit and did everything they required and they canceled it without refunding my money