OpenSky® Mobile

Our company recommends this company, so I wanted to try it myself. The pros and cons are about even. Pros is there is no credit check and it does help you build your credit. Cons is that the app works most of the time but it has been a blank white screen for the past 3, so idk? And then I HATE the way payments are made. You make them on the app but they aren’t processed for like 10 days. It literally doesn’t even draft it out of your account as pending for like 3-4 days. I’ve never seen an app that was for finances that seems so out of date. That’s the one thing I really hate. I want to pay my payment when I pay it on the app not a week later. Definitely runs the risk of someone being late which would be quite controversial since it’s suppose to help build your credit. There just aren’t many functions on this app. Since I’m already a couple months in I don’t want to switch companies because that defeats the purpose of the age of the account.

Open sky helped me build my credit so good I got several requests from different credit companies but I rejected them till I finally got the best company that gave a huge amount with no deposit... now my credit score is going excellent. thank you open sky. My advice for everyone new to credit card is spend only 30% on your credit-card and pay it off consecutively for 6 months and watch how your credit racks up. For those with bad credit use this app follow my Advice it works meanwhile put your debts on monthly payments till it all get paid off. My gf credit was so low but now she thinks am an angel that help her build her credit back up with just advice and encouragement. While she paid off her debt without stress . Good luck

Had an account for over a year and a half now. Just raised my review to 5 stars from 4. In the past, it seemed to me that it took them a few days to post payments. No longer the case. Used the app to make a payment yesterday and its available on the card today. Can’t ask for much better. I don’t recall ever having a problem with the app. The process to increase your limit (get permission to send in more money to secure your credit line) feels a bit cumbersome and took 7-10 days all told, but that’s a relatively rare occasion and not a big deal. EXCELLENT card to work on, establish credit.

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WATCH OUT!!! Just because the default payment account gets changed doesn’t mean it won’t switch to that take money from the new account! They will still pull from previous set account- you have to change the settings in multiple places. They’ve cost me HUNDREDS in bank fees because of this setup using my old account when I set up a new default! Now they are claiming my account is OVERDUE, after they took my monthly payment days ago. They are ruining my credit. I will be paying entire credit card off and closing this account while reporting them to BBB. The ONLY way to contact them is to write a letter in the mail- no email or phone number.

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I applied for an account March 9th and deposited $300. I have received a single email receipt but nothing else since. I am unable to sign in and apparently the only way to contact this company is by regular mail despite their very efficient website that could process my credit card payment within minutes yet somehow they can’t maintain an email account for customer service? That alone is extremely suspicious and combined with their failure to do anything other than take $300 from me will force me to conclude I have been a victim of wire fraud if I am not contacted by a representative within 48 hrs. After that I will begin filing complaints with all state and federal authorities.