opensky® Mobile

It’s not a bad card. I used to be the person with 18 different credit cards now I just use this one for hotel/car reservations, paying at the pump, and un unfamiliar website. Not too bad of a company overall if you’re tired of juggling credit cards and leery of using a debit card when you’re out and about. Only thing I have an issue with is I set up my payments in the app. And it was not doing an auto pay. I get a notice that my account is past due. In previous months, I just pay off my balance before the due date. However, their system did not pull my auto pay and I get it a past due notice. That’s pretty frustrating. Needless to say I just paid the full balance. If their system cannot properly pull auto pay and I have to take time out of my workday to address this then I may be considering a different card. Again, I dumped 18 or so credit cards and only use one for certain activities mainly anything that involves potentially getting skimmed such as paying at the pump or when dining.

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.

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.